Health coverage with someone in your corner.

Nothing. Brokers are compensated by the insurance carriers, and your premium is the same whether you enroll through me or directly. You get a licensed advocate who compares plans across carriers and stays with you after enrollment, at no added cost.

Private plans are purchased directly from an insurance carrier rather than through healthcare.gov or a state exchange. Marketplace plans are priced by age and location and can include income-based subsidies. Many private plans price by your health profile, so people in reasonably good health can often access broader networks or lower deductibles for a similar or lower monthly premium. Which path is better depends on your income, health, and the doctors you want to keep. I will tell you honestly which one fits.

Many private plans use nationwide PPO networks, which usually means you can see specialists without a referral and keep in-network coverage while traveling anywhere in the U.S. Before you apply for anything, I look up your preferred doctors and hospitals and confirm they are in network.

You have more options than most people realize, and the right plan can also be a tax consideration. Self-employed individuals may be able to deduct health premiums; confirm specifics with your tax professional. I work with 1099 contractors, freelancers, consultants, and small business owners every week.

Often, yes. Many private plans accept applications year-round, so a job change, a move, or simply deciding you want better coverage does not have to wait for November. Marketplace plans generally require a qualifying life event outside Open Enrollment.

A PPO (Preferred Provider Organization) lets you see any in-network doctor or specialist without a referral and typically has a large, often nationwide, network. An HMO (Health Maintenance Organization) requires a primary care physician and referrals, and generally covers only local in-network care except in emergencies. HMOs tend to cost less per month; PPOs offer more freedom.

You contact me. I remain your direct point of contact for benefit questions, help navigating claims, and coverage reviews as your life changes. You will not be handed off to a call center.

Yes. Dental and vision can be added to most plans, and supplemental policies such as accident, critical illness, and hospital indemnity pay cash benefits directly to you to cover deductibles, lost income, or travel during a major medical event.

No. COBRA lets you keep your employer plan but you pay the full premium, which is often far more than a comparable individual plan. Depending on your situation, a private plan, a short-term bridge plan, or a Marketplace plan with a special enrollment period may cost significantly less. I will compare all three with you.

The Kelly Health Group is covering the US. Plan availability varies by state and carrier, and I will confirm what is available where you live before we compare anything.

Use the request form on this site or book a call. Tell me a little about who needs coverage and your situation, and I will come back with a short list of options that fit, with the trade-offs explained in plain English.

Yes. Your details are used only to prepare your coverage options and are never sold or shared for marketing. Text messaging opt-in data is never shared with third parties. See the privacy policy for specifics.