Between jobs, self-employed, or paying more than you should?
There's almost always a better path — private-market year-round, ACA for life changes, or a product most brokers don't mention. Three minutes to see what actually fits your situation.
Carriers we work with
How this works (and why it takes 3 minutes, not 30)
Tell us where you are
A short form — name, ZIP, age, household, what kind of coverage gap you're looking at. No SSN. No pressure to pick anything yet.
We read it like a real broker
Aaron looks at your situation against the private market, ACA, and life carriers. That means matching your state, your budget, and your health history to the products that actually fit — not the ones that pay the highest commission.
You see real options
Two or three plans, side-by-side, with what each one actually does for your situation. You decide. We answer questions. No hard sell.
What's on the menu
Private Health Plans
Year-round coverage that doesn't wait on Open Enrollment. TriTerm short-term major medical, fixed-benefit indemnity, and PPO short-term plans through UnitedHealthOne, Allstate, and Pivot Health. Best fit when you're between jobs, self-employed, or paying way too much through your spouse's plan.
Some private-market plans are short-term limited-duration medical or fixed indemnity — not ACA-compliant.
See private plans →ACA · Marketplace
When ACA is the right call, we say so. Open Enrollment runs Nov 1–Dec 15. Special Enrollment opens any time you have a qualifying life event — job loss, marriage, birth, Medicaid loss, move. Most households on ACA get subsidies that bring premiums down.
ACA Marketplace plans are major medical and meet minimum essential coverage requirements.
Check ACA fit →Life Insurance
The coverage your family hopes you bought. Term, whole, indexed universal, and final-expense policies through F&G, Foresters, and Transamerica. Self-employed and gig workers usually carry too little — we look at what your family actually needs to land on, then build to that number.
Coverage subject to underwriting approval. Rates vary by carrier, age, health, and amount.
Talk life insurance →Why people stick with this office
- Independent broker. Fifteen carriers on the menu across ACA, private market, and life — including Aetna, Anthem, BCBS, Cigna, Humana, UnitedHealthcare, UnitedHealthOne, Allstate, F&G, and Foresters. We have no quota with any of them. The plan we pitch is the plan that fits.
- Real human reads every form. No bot decides what you see. Aaron looks at your intake, runs the comparison, and writes the proposal.
- 35 states. Licensed coverage across most of the country, with state-by-state product matching.
- Private market and ACA both. Most brokers pick a lane. We work both — because the right answer depends on your situation, not our specialty.
- No script. No pressure. We talk like a person who actually does this for a living, because that's what we are.
What clients say
"Left a corporate job in March. COBRA was $1,140 a month. Aaron found a TriTerm plan for me under $400 with a real OOP cap. Took maybe 20 minutes from form to enrollment."
"I'm a freelance designer. I'd been on a marketplace plan paying $612 a month. Aaron looked at my income, ran the subsidy math, and switched me to a 2026 ACA plan that works out to $148 after credits. I had no idea I was in the subsidy zone for that much help."
"My husband and I had no life insurance. With two kids under five, that kept me up at night. Aaron walked us through term vs whole, didn't push the expensive option, and we landed on a 20-year term that fits our budget."
About Aaron
I'm an independent health insurance broker licensed in 35 states, based in Florida. I work with people who got tired of being a number to a call center — self-employed folks, between-jobs households, families paying way too much through a spouse's plan.
I specialize in helping people understand their options—whether you're self-employed, between jobs, or just tired of overpaying for coverage you don't need.
- Licensed in 35 states
- Independent
- ACA · Private · Life — 15 carriers
- Fixed-benefit & ACA specialist
Common questions, answered straight
Ready to see what fits?
Three minutes to fill out the form. Aaron reads every one. No pressure to pick anything.
Find my fit · 3 min formOr call directly: (989) 365-1641