Access to All Options · Licensed in 18 States

Health insurance that doesn't waste
your time.

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.

Find Your Plan
Takes about 60 seconds. No obligation.
I'll reach out within one business day. No spam, ever.
★★★★★
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18
States Licensed
$0
To Work With Me
100+
Plans Compared
All Carriers
Every Plan Type
Access to all major carriers Licensed in 18 states Free to work with No referral needed Private plans — enroll any time $0 broker fee Every plan type available I pick up the phone Results in 24–48 hours Health · Dental · Vision · Life Access to all major carriers Licensed in 18 states Free to work with No referral needed Private plans — enroll any time $0 broker fee Every plan type available I pick up the phone Results in 24–48 hours Health · Dental · Vision · Life
Why it matters

Most brokers work for the company.
I work for you.

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.

  • Access to every major carrier across all 18 licensed states
  • I explain the fine print before you sign anything
  • You keep my number — I'm here when claims get complicated
  • My fee comes from the carrier, never from you
🏢
Captive agent
Sells one company's products. Loyalty goes to the carrier.
📞
1-800 number
Script-driven. You're a ticket number, not a client.
🤝
Kevin — access to all carriers
Shops the entire market. One relationship, long-term.
Who I help

Built for people the group plan forgot.

If you don't get benefits through an employer, you're exactly who I spend my days helping.

💼
Self-Employed & 1099s
Freelancers, contractors, consultants — you work for yourself, but that shouldn't mean overpaying for coverage that barely covers anything.
👨‍👩‍👧
Families
Finding a plan that covers everyone — pediatric care, prescriptions, specialists — without blowing the budget takes someone who knows the market.
🏡
Realtors & Agents
Commissioned income is unpredictable. I help you find plans that flex with a good month and don't bury you during a slow one.
🏢
Small Business Owners
Whether you want to offer group benefits or just cover yourself and a partner, I'll find an option that fits what you're building.
🔄
Lost Job Coverage
COBRA is expensive. There are almost always better options — and a Special Enrollment Period means you can switch now, not just in November.
🌅
Early Retirees
Retired before 65? The bridge from your last job to Medicare is the most coverage-critical stretch of your life. Let's get it right.
Where are you starting?

Point at your situation.
I'll take it from there.

Pick one — it sets up your quote.

01
I'm self-employed or 1099
Freelancers, contractors, solo founders — buying your own coverage.
02
I'm covering my family
Your household, your doctors, your budget — not your old employer's.
03
My coverage is ending
COBRA running out, between jobs, retiring before 65? I move fast.
04
I run a small business
Real benefits for you and a small team — minus the enterprise price tag.
How it works for you

Coverage that works the way you do.

Working for yourself doesn't fit a one-size-fits-all plan. Here's what I focus on getting right.

01
PPO Flexibility
See any doctor you want without a referral. For self-employed people who travel or move between cities, a true PPO is often worth every extra dollar.
02
Enroll Any Time
Lost a job? Started your own business? Had a baby? Life events unlock Special Enrollment Periods — you don't have to wait until November to get covered.
03
Tax-Smart Decisions
Self-employed individuals can deduct 100% of health insurance premiums. Pair that with an HSA-eligible plan and the math changes significantly.
04
A Long-Haul Advisor
I don't disappear after enrollment. Your income, family size, and health needs change — I review your plan every year to make sure it still makes sense.
The process

Three steps. Zero runaround.

Most people are enrolled in a plan they're happy with inside of a week.

1
Tell me your situation
We spend 20–30 minutes on the phone. You tell me your doctors, prescriptions, budget, and what matters most. I ask questions most brokers skip.
2
I compare the field
I pull options from every major carrier in your state and narrow it down to 3–4 real contenders. I show you the full picture — premiums, deductibles, network.
3
Get covered. Keep my number.
We enroll together. I walk you through the portal and explain your ID cards. Then you have my direct line — for claims questions, life changes, whatever comes up.
Plan types explained

PPO, HMO, EPO, POS — decoded.

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
Kevin Redwine — Independent Health Insurance Broker
Kevin Redwine
Health Insurance Broker — Access to All Options
NPN: 21716589 Licensed · 18 States All Major Carriers All Plan Types
About Kevin

Health insurance has a people problem.
I'm trying to fix my corner of it.

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.

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What clients say

Real people. Real results.

Licensed States

Where I can help you.

Currently licensed and active in 18 states — and growing.

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🏔️
CO
Colorado
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🌴
FL
Florida
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🍑
GA
Georgia
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🌽
IN
Indiana
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🌾
KS
Kansas
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🐴
KY
Kentucky
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MD
Maryland
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🚗
MI
Michigan
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🎸
MO
Missouri
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🌲
NC
North Carolina
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🌰
OH
Ohio
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🌴
SC
South Carolina
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🎸
TN
Tennessee
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TX
Texas
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🏜️
UT
Utah
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🌿
VA
Virginia
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⛰️
WV
West Virginia
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🧀
WI
Wisconsin

Don't see your state? Send me a note — I'm adding new states and may already be licensed where you are.

Common questions

Answers before you have to ask.

If you have a question that isn't here, just call or text me directly.

Do I pay you anything to work with you?
No — and I mean that unconditionally. I'm paid a commission by the insurance carrier when you enroll in a plan. That commission is baked into every plan's premium regardless of whether you use a broker or go direct. So you're already paying for someone like me — it might as well be someone who's working for you. My fee to you is zero, now and for as long as you're my client.
What's the difference between an ACA Marketplace plan and a private plan?
ACA Marketplace plans (also called Obamacare plans) are sold through Healthcare.gov and include income-based subsidies that can dramatically reduce your premium — sometimes to $0/month. Private plans off the Marketplace don't qualify for those subsidies but sometimes offer broader networks. I help you figure out which category you're in and find the best option within it. Many self-employed people qualify for significant subsidies they never knew about.
I missed Open Enrollment. Can I still get covered?
Yes — and it depends on the type of plan. For ACA marketplace (public) plans, you do need a qualifying life event like losing a job, getting married, having a baby, or moving to a new state to trigger a Special Enrollment Period. But private health insurance plans have no such requirement — you can enroll any time of year, no qualifying event needed. Call me and I'll show you what's available right now.
Can I keep my current doctor if I switch plans?
That's one of the first things I check. Before I recommend any plan, I verify that your preferred doctors, specialists, and hospital systems are in-network. If you're on a specific prescription, I check drug formularies too. Network verification is a detail most people skip and regret — I don't let it slip.
What's an HSA and should I have one?
A Health Savings Account (HSA) is a tax-advantaged savings account that pairs with high-deductible health plans (HDHPs). You contribute pre-tax dollars, they grow tax-free, and you spend them tax-free on medical expenses. For self-employed people especially, an HSA can be a powerful tool — it's one of the only triple-tax-advantaged accounts that exists. Whether it makes sense depends on your health usage and income. We'll talk through it.
How long does enrollment actually take?
The first call is usually 20–30 minutes. I'll send you options within 24–48 hours. Once you pick a plan, the actual enrollment takes about 15 minutes — I walk you through it live so nothing gets missed. Most clients go from first call to enrolled in under a week. Coverage typically starts the 1st of the following month, though Special Enrollment Period timelines can vary.
Let's talk

Let's see if we're a fit.

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.

Prefer to call? (719) 661-9957 — I pick up.
License
NPN 21716589
License No.
Lines of Authority
Expiration
License certificate