For Small Business Owners & 1099 Contractors

No HR department.
No problem.

You built your business on your own — your health coverage shouldn't be an afterthought because nobody's handling it for you. We specialize in private plans and group benefits built specifically for business owners and independent contractors.

Most insurance shopping assumes you have an HR department. You don't.

For the self-employed

You're on your own

No employer-sponsored plan, no benefits coordinator, no one fielding your questions. Just you, a deadline, and a confusing marketplace.

For growing businesses

You're stretched thin

You're running payroll, managing a team, and trying to grow — benefits shopping keeps getting pushed to "next month."

For 1099 contractors

You're paying full price

Without group rates or employer contributions, you're often stuck comparing confusing marketplace plans with no one explaining the tradeoffs.

We act as the HR department you don't have.

One advisor, every time

You get a dedicated advisor who already knows your situation — not a different rep on every call.

Private plans built for your situation

Whether you're a solo contractor or running a team of 20, we compare private PPO, HSA-eligible, and group plans against what actually fits.

We handle the renewal so you don't forget

Annual reviews happen automatically — you won't get stuck paying for a plan that no longer fits your business or your team.

Benefits that help you compete for talent

If you're hiring, a strong benefits package is how you keep good people — we help you build one that fits your budget.

Two kinds of independent professionals.

Solo & Self-Employed

1099 Contractors & Freelancers

Whether you're a consultant, a gig worker, or run a one-person operation, we find private coverage that doesn't assume you have someone else handling your benefits.

Growing Teams

Small Business Owners

From your first hire to a team of 50, we design group benefits that fit your budget and help you compete for the people you want to keep.

Let's build the coverage your business actually needs.

A free 30-minute conversation — no call center, no pressure, just a real advisor who understands running a business without a safety net behind you.

Book Your Free Consultation