Major medical
Marketplace and off-exchange individual and family health plans, with subsidy eligibility checked before you enroll — plus short-term and gap options when the calendar doesn't line up.
Max is an independent agent, which means he isn't tied to one insurance company. He compares plans across multiple national carriers, explains the difference in plain English, and gets you enrolled — at no cost to you.
Carriers pay the agent, not you. The premium is identical whether you enroll through Max or navigate the website alone — except this way someone answers when you have a question.
No single company signs his paycheck, so no single company gets to be your only option. He recommends what fits, not what he was assigned to sell.
The person who quotes your plan is the person who handles renewals, life changes, and the claim that gets denied on the first pass.
Your agent
Independent Health & Life Insurance Agent
Max works with individuals, families and small business owners across the country. Independent means he holds contracts with multiple carriers rather than working for one — so the conversation starts with what you need covered, not with a product he has to move.
Most of his clients are people the group-plan system was never built for: self-employed and 1099 workers, families in between jobs, young adults coming off a parent's policy, and owners covering a small team. The work is sorting out what you actually need, what you qualify for, and what it should honestly cost.
He handles the application himself and stays your agent of record afterward — no handoff to a call center once the policy is active.
What he places
Individual and family coverage, plus the products that sit alongside it. Availability varies by state, carrier and eligibility.
Marketplace and off-exchange individual and family health plans, with subsidy eligibility checked before you enroll — plus short-term and gap options when the calendar doesn't line up.
Term for the years that carry the most risk, permanent for the ones after. Includes simplified-issue and final expense policies for applicants who'd rather skip the medical exam.
Standalone plans covering the two things most medical policies leave out. Worth having on their own, and usually the smallest line item on the whole application.
Replaces a portion of your paycheck if illness or injury keeps you from working. The line self-employed clients skip most often — and the one they miss most when something happens.
Fixed and fixed-indexed contracts for people who want principal protection and predictable income later. Reviewed against what you already hold rather than sold in a vacuum.
Accident, critical illness, cancer and hospital indemnity plans that pay cash directly to you — built to absorb the deductible a high-deductible plan hands over.
Contracted with
Contracts across national and regional carriers, so the recommendation follows the plan design — not the appointment.
Additional national and regional carriers available depending on your state and the coverage line. Carrier participation is subject to change.
Coast to coast
Wherever you live, Max can look at what's available to you. Plan options, provider networks and pricing differ from state to state — that's exactly the part he sorts out before you ever see a recommendation.
How it goes
Fifteen minutes on the phone: who needs covering, the doctors and prescriptions you want kept, household income for subsidy purposes, and the number you can live with each month.
Real plans from real carriers available to you — premium, deductible, network and out-of-pocket max in plain language, including the ones that don't pay him well.
He submits the application with you on the line and stays your agent of record for renewals, life changes, ID card problems and denied claims.
Start here
No fee, no obligation, no answering machine. Send the form or call directly — most quotes come back the same day.