I'm Kevin Redwine — a health insurance broker with access to all major carriers, serving self-employed people, families, and small businesses across 18 states. Free to you. Honest advice. I pick up the phone.
When you walk into a carrier's office or call their 1-800 number, the person you're talking to has one job: sell you that carrier's plan. I'm different. I have access to plans from all major carriers across 18 states — which means I have no incentive to steer you anywhere except the best fit for your life and your budget.
If you don't get benefits through an employer, you're exactly who I spend my days helping.
Pick one — it sets up your quote.
Working for yourself doesn't fit a one-size-fits-all plan. Here's what I focus on getting right.
Most people are enrolled in a plan they're happy with inside of a week.
You shouldn't have to be a benefits manager to understand your options. Here's the plain-English breakdown.
| Plan Type | Primary Care Referral? | Out-of-Network Coverage? | Flexibility | Typically Best For |
|---|---|---|---|---|
| PPO Most Popular | ✓ Not required | ✓ Yes (higher cost) | Highest | Self-employed, travelers, early retirees |
| HMO | ✕ Required | ✕ Usually none | Lower | Families who want predictable costs |
| EPO | ✓ Not required | ✕ No | Medium | Budget-conscious, single metro area |
| POS | ✕ Required | ✓ Yes (limited) | Medium | Those who want a PCP relationship |
Before insurance, I was a welder. Good work — honest work — but I kept asking myself the same question: how many people am I actually impacting? The answer was always a small number. I wanted more.
I got into health insurance because of the scale of the problem and the size of the opportunity to fix it. Every day people make costly mistakes with their coverage — not because they're careless, but because the system is deliberately confusing. A freelance designer who skipped coverage to save money, then faced a $40,000 hospital bill. A realtor who didn't know she could deduct her premiums. A small business owner paying COBRA rates for two years when better options were sitting right there.
This career lets me make a real impact on people's lives. Not just once, but every day — helping someone find coverage they can actually afford, explaining options their employer never told them about, being the person who picks up the phone when a claim gets complicated. That's what I'm here for.
I'm based in Florida and licensed in 18 states. I get paid the same commission regardless of which plan you choose — so my only job is to find you the right one. Every plan type, every major carrier, all options on the table. When you call my number, you get me. Not a call center, not a bot. Me.
Currently licensed and active in 18 states — and growing.
Don't see your state? Send me a note — I'm adding new states and may already be licensed where you are.
If you have a question that isn't here, just call or text me directly.
No pressure, no pitch. Book a 20-minute call and I'll tell you exactly what I can and can't do for you. If I'm not the right person for your situation, I'll tell you that too.