Individual & Family Coverage
No employer plan? No problem. Kevin finds coverage built around your doctors, your budget, and your life.
If you're self-employed, an independent contractor, a freelancer, or a 1099 worker, you already know the frustration: no employer is handing you a benefits package. You have to figure it out yourself — and the options are overwhelming.
Kevin's job is to cut through that complexity. He compares private PPO plans, ACA marketplace options, short-term coverage, and more — across multiple carriers — to find what actually fits your situation.
Coverage for the
self-employed and 1099 workers
Who This Is For
Kevin specializes in Private PPO plans — plans that let you see any doctor without a referral, often for less than you'd expect. Many self-employed clients don't know these exist outside of employer coverage.
This page is for you if:
✓ You're self-employed, a contractor, or a 1099 worker
✓ You work in food & beverage, trucking, nursing, or a trade
✓ You need to cover yourself, a spouse, or a family
✓ You're between jobs and need a bridge plan
✓ You're paying too much and suspect there's a better option
Get Your Free Quote
Tell Kevin your situation and he'll find the options that actually make sense for you.
Free advisory service · No obligation
Kevin is compensated by carriers, not clients
📍 Serving Your Area
Based in Sunrise, FL. Licensed in 25 states including Florida, Texas, Georgia, North Carolina, and more. Ask Kevin if he's licensed in your state.
Plan Types
What Kevin can help you find
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Private PPO Plans
Kevin's specialty. See any doctor, any specialist, without a referral. Broad networks, real coverage. Often available outside of Open
Enrollment.
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ACA Marketplace Plans
Bronze, Silver, Gold, and Platinum plans through the ACA marketplace. Kevin navigates subsidies and cost-sharing to find where the real value is for your income level.
🔗
Short-Term & Bridge Plans
Between jobs, waiting for enrollment, or just need temporary coverage? Short-term plans can fill the gap without leaving you exposed.
👨👩👧
Families Plans
Coverage for your whole family on a single plan. Kevin makes sure your spouse and kids have access to the providers they already use.
💊
Dental & Visions Add-ons
Full coverage means more than just medical. Kevin can bundle dental and vision into your plan or find standalone policies that make sense.
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Multi-State Coverage
For truckers, travel nurses, and workers who cross state lines. Kevin finds plans with networks that actually work wherever you are.
Common Questions
Individual & Family FAQs
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Not always. Private PPO plans are often available year-round, outside of ACA Open Enrollment windows. Special Enrollment Periods also apply if you've had a qualifying life event (job loss, marriage, new baby). Kevin will tell you exactly what's available right now for your situation.
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Kevin earns a commission from the insurance carrier when you enroll in a plan — the same commission that would go to the carrier's own sales team if you called them directly. Using Kevin costs you nothing and gets you an independent advisor working on your behalf instead of the carrier's.
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This is one of the first things Kevin checks. He'll look at which plans include your preferred providers in their network before making any recommendations. With Private PPO plans, you often have the flexibility to see any licensed provider — even out-of-network — at a higher cost share.
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Irregular income is very common among 1099 workers and self-employed professionals, and Kevin deals with this situation constantly. He'll help you understand how your estimated annual income affects your ACA subsidy eligibility and whether a private plan might actually be the better route for your situation.
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With many private plans, coverage can start within days of enrollment. ACA marketplace plans typically have a coverage start date of the 1st of the following month. Kevin will give you a clear timeline based on the plan you choose.
Book a free call with Kevin. He'll compare options across carriers and explain exactly what each plan covers — before you sign anything.