Independent health and life insurance broker serving FL, MI, NC, AZ, TX, GA, IN, and SC
Health and life insurance,
without the runaround.
I’m one licensed broker, not a call center. Tell me what’s going on and I’ll look at what you have now —including whether it’s worth changing at all.
The 2026 Subsidy Cliff Is Real. Here's What's Coming.
Enhanced premium tax credits expire December 31, 2025. For millions of Americans, that means premiums double overnight — unless you act now.
Average annual premium increase for families losing enhanced subsidies
Americans in Florida alone who will face premium shock in 2026
Special Enrollment window to lock in coverage before the cliff hits
Not sure whether this hits you?
Worth knowing now rather than at renewal. Book 30 minutes and we’ll go through your actual numbers — what you’re paying today, where your income lands, and what changes if it moves. If you’re fine where you are, I’ll tell you that.
Book 30 minutes with meYou’ll be talking to me, not a call center.
The carriers I can place your coverage with
10 carriers across health, life, and supplemental coverage, plus the 5 PPO networks the private health plans run on. A carrier pays your claim. A network decides which doctors are covered. They aren’t the same thing, so I don’t list them as though they were.
Blue Cross Blue Shield
ACA marketplace · enrollment help
UnitedHealthcare
ACA marketplace · enrollment help / Private health, medically underwritten · appointed
Philadelphia American Life
Private health, medically underwritten · appointed
MedMutual Protect
Private health, medically underwritten · appointed
SGIC
Private health, medically underwritten · appointed
Allstate Health Solutions
Private health, medically underwritten · appointed
Mutual of Omaha
Life · appointed
Illinois Mutual
Life · appointed
Americo
Life · appointed
Aflac
Supplemental · appointed
Blue Cross Blue Shield
ACA marketplace · enrollment help
UnitedHealthcare
ACA marketplace · enrollment help / Private health, medically underwritten · appointed
Philadelphia American Life
Private health, medically underwritten · appointed
MedMutual Protect
Private health, medically underwritten · appointed
SGIC
Private health, medically underwritten · appointed
Allstate Health Solutions
Private health, medically underwritten · appointed
Mutual of Omaha
Life · appointed
Illinois Mutual
Life · appointed
Americo
Life · appointed
Aflac
Supplemental · appointed
The PPO networks those private plans run on
These are provider networks, not carriers. They don’t underwrite anything and they don’t pay claims — they decide whether your doctor is in.
First Health PPO
Used by Philadelphia American Life, MedMutual Protect, SGIC
See if your doctor is covered
5 PPO networks, each with a lookup
A plan is only as good as the doctors it covers. Each private health plan runs on a PPO network, and every one of those networks has its own provider search.
See the networks and check your doctor8 states
FL • MI • NC • AZ • TX • GA • IN • SC
I can only advise you in a state where I hold a license, so this is the honest boundary of what I can do. If you're outside them, tell me and I'll say so rather than take the call.
The call is free
30 minutes, no obligation
We'll go through what you have now, what it covers, and what you'd pay for the alternatives. If you're better off where you are, that's a fine outcome and I'll say so.
For marketplace plans I help you enroll through healthcare.gov and HealthSherpa — I’m not appointed with those carriers, and I won’t suggest otherwise. For the private health, life, and supplemental carriers above, I am.
The checkable facts.
Everything below can be verified independently. On a licensed broker’s site that is the only kind of number worth showing you.
Licensed States
FL • MI • NC • AZ • TX • GA • IN • SC
Producer Number
Check it yourself at NIPR or TrustMyProducer - both links are in the footer.
Carriers
Health, life, and supplemental. Listed by line of coverage on the carriers page.
PPO Networks
The provider networks behind the private health plans - each one has a doctor lookup.
Licensed in8 states
Click a state to see what coverage looks like there. If you’re somewhere I’m not licensed yet, say so anyway — it tells me where to go next.
Real Families.
Real Impact.
We don't just sell policies. We change financial futures. Hear from the families we've protected across the country.
Compassion, clarity, compliance.
Three things I measure every page and every conversation against,
in that order. Compliance wins when it conflicts with the other two.
Compassion
Families First, Always.
You are usually worried about money or somebody’s health when you call me. I try to write and talk to you like that is true, because it is.
Clarity
No jargon.
If a sentence needs a second read, I have written it badly. You should finish our call knowing what you bought and why, in your own words.
Compliance
It has to hold up.
I am a licensed broker in every state I work in, and nothing goes on this site that a state insurance examiner would take issue with. That constraint is the point, not an obstacle.
The other half of the conversation.
Most people call me about health coverage. Life insurance usually comes up second, and it is worth ten minutes of the call. Whether it makes sense for you depends on who relies on your income, what you can comfortably pay, and what your health lets you qualify for today.
- Term, whole life, and indexed universal life — I’m appointed with Mutual of Omaha, Illinois Mutual, and Americo
- What you’d pay depends on your age, your health, and how much coverage you want
- Health changes affect what you can qualify for later, so it’s worth knowing where you stand now
This is a budget conversation, not a formula.
How much coverage, and for how long, comes out of what you are protecting and what you can comfortably pay — not out of a calculator on a website.
You deal with me.
Start to finish.
Here is what that actually means, so you know what you are getting into before you book anything.
No
call center.
You are not going to get handed to a script. You talk to me, and I am the one who knows your name, your household, and what is actually on your policy.
We do it together.
We go through your options on the call rather than emailing you a PDF to decipher on your own.
You don't pay me.
The carrier pays me when you enroll. Your premium is the same as it would be going direct — the difference is that you have someone to call when something goes wrong.