For the self-employed, business owners, and families paying their own way
Health insurance shouldn't break the bank. Or your brain.
Let's do it the smarter way. Tell us who needs coverage. It takes about 60 seconds.
Free. No obligation.
Ready to see your options? Tell us who needs coverage.
Takes about 60 seconds. Straight answers, no runaround, no obligation.
🔒 We use your info to help with your request. We don’t sell or share your phone number or text opt-in with other companies for their marketing. Privacy Policy
★ 4.9 from 220+ Google reviews
Real, licensed people. Licensed in 31 states.
Meet the team →
Pick your path
Which one sounds like you?
1099 & self-employed
“I'm my own boss, which means I'm also my own HR department.”
We'll show you every market you can shop. Not just the one you've heard of.
That's meFamilies
“I just want my kids covered and our pediatrician in network.”
We'll compare plans around your real family. Your doctors, your deductible, your budget.
That's meBusiness owners
“Every renewal, I'm choosing between my team and my bottom line.”
Covering you and covering your team are two different decisions. We'll help you get both right.
That's meReal Google reviews
Don't take our word for it.
★★★★★ 4.9 from 220+ Google reviews
“Dylan is very helpful and very knowledgeable. He gave me different options and explained each one of them in a way I understood it. This helped me make an informed decision.”
“Brock is very responsive, he helped me find a plan that fits my family best. He made the whole process very simple, and communicated effectively.”
“Had a great experience with our agent Lucas. He is very knowledgeable and answered all my questions. 5 months in and we are very happy with our new insurance so far.”
Sound familiar?
- Your renewal letter showed up. The number went up. Again.
- You spent an hour on hold, and the “advisor” was reading a script.
- You compared plans online and ended up more confused than when you started.
- You're paying for it all yourself, and you're not sure you're getting your money's worth.
You're not bad at this. Nobody ever showed you the full picture.
Here's what changes with Smart Health:
- You see every option. Group, private, underwritten, association, and ACA when it fits. Side by side.
- You get straight answers. Plain English. No fine print games.
- You get one advisor. Same person, every call, every renewal.
- You decide. We lay it out. You pick. No pressure, ever.
Meet our founder
I started Smart Health because I was getting the short end of the stick too.
Before insurance, I was self-employed in South Florida, paying for my own coverage, and nobody ever showed me my real options.
That's why I started Smart Health Quotes. Self-employed people and families deserve better than a confusing quote and a “good luck.”
I've spent the last 8 years in health insurance, and I'm licensed in 31 states. My favorite part of the job is leaving people in a better position than I found them, even if that's just by giving them the education nobody else did.
Let's get you in a better position.
Dylan BrockmanFounder & Senior Advisor
They were right where you are.
★★★★★“Alex has been a great help for me and my spouse. He made my transition to another job less stressful. He is efficient and patient.”
Rebecca R.· Google review
How it works
Stop guessing. Start comparing.
Tell us who needs coverage.
You, your family, or your team. Takes about 60 seconds.
See every option, side by side.
See what you qualify for and the real tradeoffs, in plain English.
Enroll with help. Stay covered.
We handle the paperwork. Then we stick around for questions, changes, and every renewal.
Here's how it went for them.
★★★★★“Dylan was responsive, knowledgeable, and made everything go seamlessly. The process was easy (who knew?) and transparent.”
Joanne W.· Google review
Coverage options
Everything your coverage should have included all along
- Private PPO options
- Group and small business plans
- Association-based plans
- ACA marketplace plans, when they fit
- Family and individual coverage
- Dental and vision options
- Life and disability insurance
- Extra protection for life's curveballs: accident, critical illness and more
- Virtual doctor visits available
- Know your network before you hit the road
Full visibility into every dollar
What you pay, where it goes, and what you get for it. No bundled fees hiding inside one premium number.
In under 10 minutes, we'll show you what your current plan is really giving you, and every option you didn't know you had.
Small business
You built the business. Let's make benefits the easy part.
You want to take care of your team.
You also can't let benefits eat your margins alive.
That's a hard spot, and most owners are stuck in it alone.
We'll help you review:
- Team coverage that fits your people, not a one-size-fits-all plan.
- Owner and key-employee coverage, looked at separately, because your needs are different.
- Less paperwork. We help from plan review all the way through enrollment.
Real feedback from real clients
We're proud of the impact we've made. Read real feedback from clients who have trusted Smart Health Quotes for our health coverage expertise.
4.9
200+ Google reviews
The questions we hear most
What is a private PPO health insurance plan?
A PPO plan generally lets you see in-network and out-of-network providers without a referral, though costs are usually lower in-network. Network size, out-of-pocket costs, and benefits vary by plan and carrier. We'll show you how each option's network works before you choose.
How do I know if I am getting the best value on my health insurance?
We review your current plan, compare it with the options available to you, and explain what you're paying for. No pressure, just clear information so you can decide.
What if I am self-employed or shopping for coverage on my own?
Depending on your situation, you may have options beyond the public marketplace, including private and association-based plans. Eligibility varies. We'll help you see what you qualify for and compare it side by side.
Can you help with family coverage?
Absolutely. We work with families and married couples every day, building coverage around your household rather than a one-size-fits-all plan. We'll walk through your options in plain English and compare options that fit your family, your budget, and your lifestyle.
Can you help small business owners and teams?
Yes. We consult directly with small business owners, HR teams, and leadership to simplify group health benefits. From workforce-wide PPO solutions to tailored executive coverage, we help your team review benefits without the usual headaches.
Do I have to wait for open enrollment?
Not always. Marketplace plans generally require open enrollment or a qualifying life event, but some private options may let you apply outside open enrollment, subject to eligibity and underwriting. We'll tell you what's available to you right now. x
Will I have help after I enroll?
Yes. Our licensed agents act as your personal advisor and policy concierge year round. Whether you have questions about claims, a change in your situation, or need to adjust your plan, we're here after you enroll, not just during the sign-up.
Business owners, families, freelancers. Here's what they say.
★★★★★“Steven has been incredibly helpful for our small business. This is our first time attempting to get health insurance for our employees and he made the process smooth and easy. He walked me through every single step and answered every single question I had.”
Michelle· Google review
You've been figuring this out alone long enough.
One quick form.
Every option on the table.
Someone in your corner, now and at every renewal.
- Free, personalized coverage review
- Honest, straight answers
- For business owners, families, and the self-employed
- No pressure. No obligation.
Free. No obligation. Takes about 60 seconds.
Prefer to talk? 1-888-775-3999