Independent Health Insurance Broker

Just Insurance

Insurance that is Just

Justin is an independent health insurance broker who helps individuals, families, self-employed workers, 1099 contractors, and small businesses find health insurance and other coverage that fits their needs and budget. As an independent insurance broker, I can compare options from multiple insurance carriers rather than representing just one company. I always put my clients' needs first and strive to build long-term relationships based on trust, honesty, and mutual respect. Whether you need ACA Marketplace coverage, private health insurance, Medicare, dental and vision coverage, life insurance, or supplemental protection, I'll help you understand your options so you can make an informed decision. I am fully licensed and insured. My focus is helping you choose the right insurance carrier for your particular situation using a laid-back consultative sales approach. Schedule a free consultation where you can Join My Zoom Room NOW to find out more today. signature

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HEALTH INSURANCE

Compare health insurance options for individuals, families, self-employed workers and small businesses. Explore ACA Marketplace plans, private health, Medicare, and group coverage options.

LIFE INSURANCE

Protect the people who depend on you with life insurance designed around your family's financial needs. Ask about term life, permanent life insurance, IULs and annuity options.

DENTAL & VISION

Affordable dental and vision coverage can help with preventive care, dental procedures, eye exams, glasses and contacts. Compare options based on the benefits and providers that matter to you.

Medicare Products

Medicare Advantage and Medigap (Medicare Supplements). Also, private plans like Advantage Guard: aka "The Poor Man's Medigap" which can give you the best of both worlds while keeping your premiums reasonable.
Justin Is Licensed in: TX, FL, MI, NC, AZ, AR, LA, MO, OH, PA, NJ

Popular Plan Types for 2026 - 2027

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#1
Option
Affordable Care Act (ACA)
PCP Copays   |   Specialist Copays   |   Urgent Care Copays   |   Emergency Room: Subject to Deductible   |   Hospital: Subject to Deductible   |   Prescriptions: Generics and Some Brands w/ Copays   | Mental Health: Generally the best 
Deductible: $500 and up   |   Max Out of Pocket: $12,000 or less
Provider Lookup Tool: [ Choose a Plan for Details ]
Drug Coverage: Varies by plan and provider but generally considered good
Notes: Despite a roughly 25% premium increase in 2026, and Maximum Out-of-Pocket costs of up to $12,000 for 2027, the advanced premium tax credits can make ACA plans very affordable. ACA plans are ideal for people with a predictable income between 150% and 400% of federal poverty level (FPL). It's important to check whether your doctors are in-network as most ACA plans are now HMO and may not be widely accepted by providers. For people who earn more than 400% of FPL the ACA has been dubbed the 'unaffordable care act'. Premiums are particularly high after age 50.
Lab Work: Generally included but some fees may apply
MRI / CT Scan: subject to deductible 20%
X-ray: usually subject to deductible $100
Preventative and Wellness Benefits: Excellent. Includes 64 components of ACA Wellness.
Price: Depends heavily on tax credits based upon your estimated income. From $0 to $2300 per person, per month. Schedule a Free Consultation with Justin to get your tax credit amount.
#2
Option
Major Medical PPO plans: Group Coverage (Get a JOB filling out surveys)
PCP Copays   |   Specialist Copays   |   Urgent Care Copays   |   Emergency Room: subject to deductible   |   Hospital: subject to deductible   |   Ambulance: subject to deductible   | Prescriptions: Copays for generic and brand names - GLP-1 drugs may be covered for diabetics w/ higher copays 
Deductible: $2500 and up   |   Max Out of Pocket: around $9,200
Providers: Varies by plan, but Cigna is one option CIGNA CHOICE FUND PPO
Drugs: Brand, Generic, GLP-1 [See a Sample]
Notes: In 2027 Justin is contracted with four different companies that offer health insurance as a benefit of work from home employment. Some companies require you to fill out health related surveys (and yes you get paid) while others require you to use their App. Some pay you as a W-2 employee, while others pay you as a K-1 working owner. Rates can be considerably lower than ACA and benefits can be stronger. Major Medical plans include a true maximum out of pocket (just like the ACA). Unlike most ACA plans, these plans use nationwide PPO networks.
Lab Work: $0 as per plan
MRI / CT Scan: Subject to deductible
X-ray: Subject to deductible
Preventative Wellness Benefits: Excellent. Includes 64 components of ACA Wellness.
#3
Option
Visit Limit PPO plans: Group Coverage (Get a JOB filling out surveys)
PCP Copays   |   Specialist Copays   |   Urgent Care Copays   |   Emergency Room: subject to deductible   |   Hospital: subject to deductible   |   Ambulance: subject to deductible   | Prescriptions: Generics only 
Deductible: $250 and up   |   Max Out of Pocket: around $9,200*
Providers: Varies by plan, but Multiplan is one option PHCS Extended PPO
Drugs: $0 copay for generics, no coverage for brand name drugs (as per plan)
Notes: In 2027 Justin is contracted with TWO different companies that offer Visit Limit plans as a benefit of becoming a W-2 work from home employee. Unlike the ACA, nationwide PPO plans are often available.

*- Visit limit plans are subject to a certain number of visit limits, and therefore do not have a true Maximum out of Pocket. However they do have excellent wellness and preventative benefits. The premiums are also more affordable than major medical.
Lab Work: $35 copay as per plan
MRI / CT Scan: Subject to deductible
X-ray: Subject to deductible
Preventative Wellness Benefits: Excellent. Includes 64 components of ACA Wellness.
#4
Option
Bundled Indemnity PPO: Pays you a Fixed Amount per Service
PCP Copay: pays $175 10x/year   |   Specialist Copay: pays $175 10x/year   |   Urgent Care: pays $300 4x/year   |   Emergency Room: Pays $300 2x/year   |   Hospital: Pays $2000 per admission plus a daily rate (inquire for details)   |   Ambulance: Pays $150 - $1500 2x/year
Deductible: NONE   |   Max Out of Pocket: N/A (Specified Disease covers you up to $1,000,000)
Provider Lookup Tool: Most carriers use the First Health network to get network negotiated rates, but its a PPO so you can go anywhere. United Healthcare uses the united network to provide indemnity coverage thru UH One, but their benefits are generally not as rich as other carriers.
Formulary: Open Formulary, Discount program: Pays $75/ day or $750 per year max
Notes: Justin works with 4 major carriers that offer bundled indemnity insurance options. These plans are highly customizable. There is no deductible - because they provide FIRST DOLLAR Coverage and use a Nationwide PPO Network. You can go anywhere, but you'll get network negotiated rates by using the First Health network. Indemnity plans are meant to be bundled. Add Accident, Critical Illness, and Specified Disease coverage to protect you from worst case scenarios. It is strongly suggested to add the specified disease rider, or purchase standalone specified disease coverage since this is not major medical insurance. Click Here for More info on this approach
Lab Work: Pays $50 per each, limits may apply.
MRI / CT Scan: Pays $600 per each, limits may apply.
X-ray: Pays $250, limits may apply.
Preventative and Wellness Benefits: Good. Provides a fixed reimbursement amount. Pays $600 for colonoscopy, $300 for PAP, $300 for PSA, $300 for mammogram, etc.
#5
Option
Short Term Medical PPO plans (varying length and terms)
PCP Copay: $30 copay   |   Specialist Copay: $60 copay   |   Urgent Care: $60 copay   |   Emergency Room: You pay $250 copay plus 20% of eligible expenses   |   Hospital: 20% coinsurance, after deductible   |   Ambulance: 20% coinsurance, after deductible   |  
Deductible: $2500 - $10,000   |   Max Out of Pocket: $12,500   |   Benefit: up to $1 million max
Provider Lookup Tool: OPEN ACCESS (Go Anywhere)
Formulary: Rx Drugs are Not Covered (drug discount card)
Notes: Short term medical is good for those on a budget who need catastrophic coverage. It is often used to bridge a gap, such as while waiting for the ACA open enrollment period or waiting for employer coverage to begin. These plans are simplified underwriting but in general they DO NOT COVER pre-existing conditions. There is often a 90 day wait after which time certain preventative services are covered with no copay. Each state has different laws governing short term medical insurance. In Michigan short term medical plans can only be 6 months duration, but most other states can get 1 to 3 years of short term coverage. Conditions that develop while you are covered are not considered pre-existing conditions and will be covered within certain limits.
Lab Work: 20% coinsurance, after deductible
MRI / CT Scan: 20% coinsurance, after deductible
X-ray: 20% coinsurance, after deductible
Preventative and Wellness Benefits: Below Average. After a 3 month waiting period plan will reimburse wellness up to a certain amount (see plan documents for details).
Price: Prices Vary. For a 49 yo male $2500 deductible is $270.16 /mo
.... $10,000 deductible is $186.29/mo.
Click HERE for details.
#6
Option
Specified Disease Protection ($5000 deductible, $1 million max)
PCP Copay: N/A   |   Specialist Copay: N/A   |   Urgent Care: pays N/A   |   Emergency Room: N/A   |   Hospital: Pays anything over $5000, with certain limits   |   Ambulance: Pays anything over $5000, with certain limits
Deductible: $5000   |   Max Out of Pocket: N/A (Specified Disease covers you up to 1,000,000)
Provider Lookup Tool: OPEN ACCESS (Go anywhere) but get network negotiated rates thru the First Health network
Formulary: Does not Cover Rx Drugs
Notes: This plan is open access, meaning you can go to any network, but you'll get network negotiated rates by staying within the First Health Network. It only covers you AFTER $5000 deductible has been reached, so you may want to pair it with an indemnity plan (above). However you will receive network negotiated rates by using Health Network. In most states this plan includes a $200 annual wellness benefit that you can use once per year however you choose. This is the most comprehensive specified disease plan that I have seen on the market and includes the following specified diseases: Addison’s Disease, Cancer, Coronary Artery/Cardiovascular Disease, COVID-19, Cushing’s Disease, Diabetes, Ebola Virus Disease, End Stage Renal Failure, Gallbladder Disease, Gastrointestinal Disease, Gout, Hyperthyroidism, Hypothyroidism, Major Organ Transplant, Pancreatitis, Pneumonia, Psoriasis, Shingles, Stroke, Viral Hepatitis
Lab Work: Pays for anything over $5,000 within limits.
MRI / CT Scan: Pays for anything over $5,000 within limits.
X-ray: Pays for anything over $5,000 within limits.
Preventative and Wellness Benefits: Limited. Provides a $200 annual wellness benefits in most states (not available in Michigan).
Price: Prices vary: 39 year old male =$56.89 / mo, 49 year old male = $99.80/mo, 59 year old male = $183.72. Inquire for details.
#7
Option
Critical Illness and Accident Protection (First Dollar Coverage)
Urgent Care: Accident protection pays Pays anything up to $10,000, with certain limits   |   Emergency Room: Accident protection Pays anything up to $10,000, with certain limits  |   Hospital: Accident protection Pays anything up to $10,000, with certain limits   |   Ambulance: Accident protection Pays anything up to $10,000, with certain limits
Deductible: $250 (varies by plan)   |   Max Out of Pocket: N/A (Covers you for accident and critical illness up to $10,000)
Provider Lookup Tool: OPEN ACCESS (Go anywhere)
Formulary: Does not Cover Rx Drugs
Notes: This plan is open access, meaning you can go to any network. This plan will cover the first $10,000 for any covered accident or critical illness. This plan is guaranteed issue. It also includes $10,000 worth of accidental death and dismemberment coverage. After the $250 deductible, it pays a cash benefit for accidents, heart attack, stroke, major organ transplant, coronary bypass surgery, heart valve replacement, invasive cancer, cancer in situ, end stage renal disease, advanced Alzheimer's disease, coma, motor neuron disease (ALS), paralysis, or severe burns. Can be added to a major medical plan to offset high deductibles.
Lab Work: Pays for anything up to $10,000
MRI / CT Scan: Pays for anything up to $10,000
X-ray: Pays for anything up to $10,000
Preventative and Wellness Benefits: None.
Price: Prices vary: $52.69/mo. Inquire for details.
COMPARE OPTIONS FROM MULTIPLE INSURANCE CARRIERS:

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AHCP

United Health

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Since 1850

Manhattan Life

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Allstate

"The General"

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Mutual of Omaha logo
"MOO"

Mutual of Omaha

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Philadelphia American Logo
Philadelphia

American

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Ambetter

Ambetter

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Categories

Health Insurance & Coverage Options:

Medicare

Medicare Supplements and Medicare Advantage

Major Med / ACA

Major Medical and ACA (Affordable Care Act) Plans

Short Term Med

Short Term Medical

Indemnity + CI

Critical Illness and Hospital Indemnity

Supplemental

Supplemental Dental and Vision plans
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Let's Find the Right Coverage for You

You don't have to figure out health insurance on your own. As an independent broker, I can help you compare available plans, understand the costs and benefits, and find coverage that fits your situation and budget.

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