Covered Your Way helps owner-operators, tradespeople, 1099 workers, families, and small business owners explore private PPO health plans that fit their needs, their lifestyle, and their budget. These aren't Marketplace plans, and they aren't HMOs. You get one licensed agent who answers your questions directly, not a call center.
Built for
Owner-operators 1099 workers Plumbers Electricians Contractors Entrepreneurs Families Small businessesIf your paycheck doesn't come with a benefits package, you still deserve real options. I work with people whose careers and lives don't fit neatly inside traditional employer coverage.
Health coverage that can travel with you instead of being tied to one employer.
Coverage for driversExplore health insurance options when you're your own boss and your income doesn't come with benefits attached.
Get a quoteCoverage options for plumbers, electricians, technicians, contractors, and other skilled professionals.
Get a quoteHelp finding coverage designed around your family's health needs and your household budget.
Get a family quoteExplore options for yourself, your family, and potentially your employees.
Options for ownersCoverage solutions for workers who may not have access to traditional employer-sponsored health insurance.
Get a quoteDon't see yourself here? I also help people between jobs, early retirees, and anyone looking for an alternative to their current coverage.
Get My Free QuoteThe private PPO plans I help clients explore can include features that give you more control over cost and coverage. Features vary by plan, so I'll walk you through exactly what's available to you.
Eligible applicants can choose from available deductible options based on their healthcare needs, comfort level, and budget. The right deductible is about balance: what you pay each month versus what you're comfortable paying toward covered medical expenses before your plan starts sharing costs.
Depending on the plan you select, certain covered benefits may begin paying from the first dollar, so everyday care doesn't always wait on the deductible.
Some medically underwritten options may offer monthly rates 20% to 40% lower for applicants in good health who qualify.
*Savings are not guaranteed. Medically underwritten plans require an application and health review, and not every applicant will qualify. Eligibility, pricing, benefits, and any savings vary by applicant, plan, and location.
Some available plans may offer guaranteed rate-lock features for a set period, subject to the terms and conditions of the selected coverage.
Many individual options aren't tied to one employer, which helps if you're independent, change jobs, or change how you earn a living.
See doctors in a large PPO network without needing referrals, and use negotiated network rates that can lower what you pay for eligible services, depending on the plan.
Depending on your needs and what's available, you may be able to combine multiple coverage products or benefits into one plan strategy.
Not every plan includes every feature listed here. Plan features, deductible options, network access, rates, and eligibility are subject to the terms of the specific plan and carrier and vary by applicant and location.
Getting a quote should be simple. Here's what happens after you reach out.
Complete a quick quote request with basic information about yourself, your family, or your business. Then pick a time for a quick call. No Social Security number or medical records needed.
I'll help identify available coverage options based on your needs, budget, and eligibility, and explain how each one works in plain language.
Review your options, ask as many questions as you need, and decide what makes sense for you, on your own timeline.
Requesting information is free and does not obligate you to purchase a policy. You decide if and when to apply.
Start My QuoteOwner-operators and independent truck drivers often don't have a traditional employer benefits package. When you're leased on, running your own authority, or switching carriers, you may need health coverage that isn't tied to a single employer.
Every mile, every state line.PPO networks can include providers in many states. Ask me how a plan's network covers where you run.
Whether you run a plumbing company with a few trucks, a small fleet, a salon, or a growing crew, I can help you explore coverage solutions for yourself, your family, and potentially your employees.
When you reach out to Covered Your Way, you're talking to me, not a database that sells your information to a dozen call centers. My job is to help you understand your options, answer your questions honestly, and find coverage that's appropriate for your situation.
I'll explain deductibles, networks, and plan terms in plain English, tell you what a plan does and doesn't cover, and give you the time you need to decide.
Or call or text (832) 510-7923
Tell me a little about what you're looking for. I'll use this information to help identify coverage options that may fit your needs.
I'll review your information and reach out to discuss your coverage options.
Choose a time that works for you. You'll get a confirmation email plus text and email reminders before the call.
Not ready to pick a time? You're all set. I'll reach out by your preferred method.
Don't see yours? Ask it in the notes on your quote request, or call or text me.
No. The plans I offer are private PPO plans sold outside the Health Insurance Marketplace (healthcare.gov). Because they're not Marketplace plans, they don't qualify for premium tax credits or other Marketplace subsidies, and they may not include every benefit an ACA-compliant plan must cover.
For many healthy, self-employed people, a private PPO can still cost less and offer more flexibility. Plans are medically underwritten, so eligibility and pricing depend on your application. I'll explain exactly what a plan covers and doesn't cover before you decide.
An HMO usually requires you to pick a primary care doctor and get referrals to see specialists, and it typically covers care only within its network. The plans I offer are PPOs, which generally let you see in-network doctors and specialists without referrals and give you a wider choice of providers. Network size, out-of-network coverage, and costs vary by plan.
Yes, self-employed people and 1099 workers generally have several paths to health coverage. I specialize in private PPO plans, which are available to eligible applicants outside the Marketplace. Which options are available to you depends on your state, your household, and your eligibility. I'll help you compare the options that apply to your situation.
Yes. Owner-operators and independent drivers are a big part of who I help. I understand irregular schedules and time on the road, so we can talk by call, text, or email whenever works for you. Because these are PPO plans, you can generally see in-network providers without referrals, and I'll help you check how a plan's network covers the areas where you usually run.
Many of the plans I help clients explore let eligible applicants choose from several available deductible options. A higher deductible usually means a lower monthly premium, and a lower deductible usually means a higher premium. The choices available depend on the plan and carrier, and I'll help you find a balance you're comfortable with.
Yes, I can help you look at options that cover a spouse, children, or your whole household. Each family member's eligibility may be reviewed separately on some plans, so I'll explain how that works before you apply.
Yes. I can help you explore coverage for yourself and your family, and talk through options that may be available for your employees. Choose "For my business" on the quote form and I'll follow up with questions specific to your company.
Not every plan is available in every state. Availability depends on where you live, the carrier, and the specific plan. I'm licensed in more than 30 states. Share your ZIP code on the quote form and I'll let you know what's available where you are.
No. Requesting a quote and talking through your options with me is free.
No. A quote request just starts the conversation. You're never obligated to apply or buy a policy, and you can take whatever time you need to decide.
Some plans are medically underwritten, which means the carrier reviews your health history as part of the application. Because pricing reflects that review, applicants in good health may qualify for lower monthly rates, in some cases 20% to 40% lower.
These plans are not guaranteed-issue. An application can be declined, and rates, benefits, and savings vary by applicant and plan. Underwritten plans may also exclude or limit coverage for certain conditions, so I'll walk you through the terms before you apply.
Private PPO plans you buy yourself generally aren't tied to an employer, so they can often stay with you if you change jobs, switch carriers you drive for, or start your own business. Your coverage still depends on paying premiums and on the terms of your plan, including any rules about moving to a different state.
Whether you're behind the wheel, running a business, working a trade, building something of your own, or taking care of your family, let's explore health coverage designed around your life.