Private Health Insurance

Confused about health insurance costs & networks? Freelancers, 1099 workers, contractors, realtors & small business owners: You need a guide who cares and advocates on your behalf.

We Hear Your Frustrations


Navigating the challenging journey of securing healthcare coverage when you work for yourself can feel like an impossible task. We understand the unique barriers that self-employed individuals, contractors, small business owners, realtors, and independent workers face when seeking comprehensive and affordable plans.




Man in a gray blazer sits at a desk, covering his face in frustration beside an open laptop.

We hear the same primary pain points from our clients every day, regardless of their location:


  • ASTRONOMICAL COSTS: Premiums can be your single largest expense, forcing you to choose between financial health and physical health.


  • NETWORK CONFUSION: PPO vs. HMO? Who knows? All you know is that you need confidence that your trusted primary care physician or your critical specialist is in-network.


  • ENROLLMENT UNCERTAINTY: Missing the standard Open Enrollment deadline can feel disastrous. Many "traditional" individual healthcare options require a complex Special Enrollment Period (SEP) based on a specific life event, creating confusion about when and how you can actually get coverage. We help you navigate these timelines and understand where SEPs apply.

Our Approach—Concierge Guidance, Not Just Generic Quoting


True to our mission, we believe a machine cannot fully listen to your complex needs. While automated quoting tools can give you a baseline, they cannot analyze, research, or provide the comprehensive advocacy we offer.


We believe in listening first and educating second. Our methodology offers that personalized, high-touch concierge-level insurance advocacy that is rarely found in today's digital market. When you work with Beacon Health Advocate, we follow a specific process tailored to you:


  1. WE LISTEN TO YOUR PAIN POINTS: Usually, that starts with cost, doctor access, or specific prescription coverage.

  2. WE MANUALLY RESEARCH YOUR NETWORKS: We will not enroll you in a plan until we have researched your specific doctor and medication access. We are rooted in various states and understand the complexity of local healthcare systems where you live and work.

  3. WE EMPOWER YOUR DECISION: We will explain how your plan works (deductibles, out-of-pocket maximums, and network types), giving you true peace of mind.

Customized Healthcare Solutions for Your Life Stage


We don’t believe in a one-size-fits-all approach. Depending on your health history, budget, and life stage, we will explore various specialized avenues, including:


Comprehensive ACA Marketplace Plans (Obamacare)
Finding coverage that qualifies for subsidies and navigating the entire Marketplace process.


Small Business & Freelancer Group Solutions
Helping 1099 associates, realtors, and small business owners leverage group power for access to better networks.


Short-Term Medical Coverage
Providing bridges for life transitions and unexpected coverage gaps.


Health Sharing Solutions
Exploring non-traditional, budget-friendly cost-sharing arrangements for the healthy and financially responsible.


Ancillary Coverage (Dental, Vision, Hospital Indemnity)
Filling the essential gaps that standard health plans often miss.

We are here to help you build a solid healthcare coverage plan.  Contact us to get started!