From four restaurants to 25 states
Kevin McCarthy didn't start in insurance. He started in kitchens. For more than 30 years, he worked in and owned food and beverage businesses across South Florida — building teams, managing costs, and navigating every challenge that comes with running your own operation.
One of those challenges? Health insurance. As a self-employed business owner, Kevin experienced firsthand how confusing, expensive, and frustrating it is to find real coverage when no employer is handling it for you. He paid for plans he couldn't use, called insurers and got put on hold, and spent hours trying to understand options that were designed to be complicated.
Today, Kevin is a licensed health insurance advisor serving clients across 25 states. He specializes in private PPO plans for the self-employed, 1099 workers, and food and beverage professionals — people whose situations don't fit the corporate HR mold. His advisory service is completely free to clients; he's compensated by the carriers, not by you.
Career Timeline
What makes the Armadillo difference
He actually answers
No call center. No ticket system. When you have a question after enrollment, you call Kevin and Kevin answers. That alone sets him apart from almost every other advisor.
He knows your world
30 years in F&B means Kevin understands irregular income, seasonal swings, and the specific coverage gaps that restaurant workers and self-employed professionals face.
Free to you, always
Kevin's advisory service costs you nothing. He's compensated by the insurance carriers — which means his only job is to find the best plan for you, not the highest commission.
Ready to talk to a real advisor?
No pressure, no sales scripts — just a straight conversation about your coverage options with Kevin himself.