If you're self-employed, 1099, retired before 65, or just lost employer coverage, you've seen what 2026 did to marketplace prices. I compare every option you actually qualify for — marketplace, private, and supplemental — and tell you straight which one fits, even when the answer isn't something I sell.
Every lane, one call. Marketplace plans (with any subsidy you still qualify for), underwritten private coverage, and short-term or supplemental options where your state allows them — quoted side by side with real numbers.
I'll tell you when not to buy from me. Pre-existing conditions, ongoing prescriptions, or a baby on the way? The marketplace is usually your best protection, and I'll say so and help you enroll in it.
Licensed in 36 states. One agent who can follow you if you move, and who knows which options exist in your state — because they're genuinely different from state to state.
Takes about 60 seconds. I'll review your situation and reach out with real numbers — no obligation, no pressure.
I'm Zachary Cross, an independent health and life insurance agent based in Florida and licensed in 36 states. I work with self-employed professionals, 1099 contractors, small business owners, and early retirees — the people who don't have an HR department picking a plan for them.
Independent means I'm not captive to one carrier. I quote multiple companies in each lane and get paid the same either way, so the recommendation is about fit, not commission. If a plan has exclusions or limits, you'll hear about them from me before you enroll, not from a denied claim later.