Health Insurance for Small Businesses & the Self-Employed Who Don't Qualify for Marketplace Subsidies

"We make just enough that we got zero help on the marketplace, and the premiums for my wife and me were brutal. Michael walked us through an underwritten plan and cut what we were paying almost in half with a better network. He explained every line of it and never once pushed us. Genuinely the first time buying insurance didn't feel adversarial."

"I've been 1099 for eleven years and I have never had an agent actually check whether my doctors were in network before I enrolled. He called the carrier and confirmed both of mine while I was on the phone with him. That alone earned my business."

"Straightforward, honest and quick. I run a small crew and needed something that made sense for me and my guys. He put together three options at different price points, told me which one he'd pick and why, and let me decide. No games."

"The accident and critical illness coverage he added on top of our health plan turned out to matter more than I expected. When my husband broke his wrist last spring the cash benefit covered our entire deductible. Very glad we listened."

"I called expecting a sales pitch and got an education instead. He was upfront that underwriting meant answering health questions and that it might not work out — it did, and I'm saving real money every month. Appreciated the honesty either way."

"Responsive is an understatement. Every question I've had since enrolling has been answered the same day, usually within the hour. Having someone who actually picks up the phone after the sale is worth a great deal."

"We make just enough that we got zero help on the marketplace, and the premiums for my wife and me were brutal. Michael walked us through an underwritten plan and cut what we were paying almost in half with a better network. He explained every line of it and never once pushed us. Genuinely the first time buying insurance didn't feel adversarial."

"I've been 1099 for eleven years and I have never had an agent actually check whether my doctors were in network before I enrolled. He called the carrier and confirmed both of mine while I was on the phone with him. That alone earned my business."

"Straightforward, honest and quick. I run a small crew and needed something that made sense for me and my guys. He put together three options at different price points, told me which one he'd pick and why, and let me decide. No games."

"The accident and critical illness coverage he added on top of our health plan turned out to matter more than I expected. When my husband broke his wrist last spring the cash benefit covered our entire deductible. Very glad we listened."

"I called expecting a sales pitch and got an education instead. He was upfront that underwriting meant answering health questions and that it might not work out — it did, and I'm saving real money every month. Appreciated the honesty either way."

"Responsive is an understatement. Every question I've had since enrolling has been answered the same day, usually within the hour. Having someone who actually picks up the phone after the sale is worth a great deal."