Priced as a pool
Your health history doesn’t change your price. Age, area and tobacco use do. Pre-existing conditions are always covered, and tax credits depend on income.
Priced on your health. Built around your doctors.
I compare private PPO, Marketplace and group plans for business owners, the self-employed and families, and I actually answer the phone.
Series2026
One free quote.
30 seconds. I call you with real numbers. You decide.Aiden James · Licensed advisor
Thanks, there.
I’ll call you soon from (813) 451-0821 with real plans and prices. Rather choose the time yourself?
Pick a timeI compare private PPO, Marketplace and group plans for business owners, the self-employed and families, and I actually answer the phone.
Free to you. The carriers pay me, never you.
- Even if you earn too much for tax credits
- Even if open enrollment has passed
- Even if your job coverage just ended
If your current plan is the right one, I’ll tell you to keep it.
31 statesLicensed. NPN 22297742, verifiable on NIPR
$0 feeCarriers pay me. Your premium doesn’t change.
Any monthPrivate plans, no life event needed
Direct lineMy number, not a 1-800 number
Two ways a health plan sets your price.
Marketplace plans price everyone together. Private PPO plans price you on your own health. If you’re healthy, that difference is the whole conversation.
Priced on you
Medically underwritten, so your own health history sets the price along with age and state. Healthy people can pay less, and you can apply any month of the year.
$63,840
Under current rules, Marketplace tax credits stop at 400% of the poverty line. For one person on a 2027 plan, that’s $63,840 a year. Earn more and you pay the full Marketplace price, which is where a private PPO often costs less.
Compare both for meSound familiar?
If any of these sound like you, I can help, and it won’t cost you anything.
I work for myself
Freelancers, 1099 contractors and solo owners who need coverage that isn’t tied to an employer.
See my optionsMy family needs coverage
Adding a spouse and kids to a work plan gets expensive fast. Let’s see what else keeps your doctors.
Compare family plansI run a business
Group plans that help you hire and keep good people, without an HR department.
Explore group coverageMy coverage is ending
Leaving a job, aging off a parent’s plan, or COBRA running out? You usually have 60 days to choose.
Compare with COBRAUnderstand. Compare. Decide.
It starts with 30 seconds on the form or a 15-minute call. No obligation either way.
Understand
We talk through who needs coverage, your budget, your doctors and your prescriptions.
Compare
I narrow everything down to a short list you can actually compare: monthly price, deductible, network, and what you’d pay in a bad year.
Decide
You choose. If your current plan wins, I’ll say so. If you switch, I handle the application with you and stay your contact afterward.
I’m Aiden James.
If your current plan is the right one, I’ll tell you to keep it.
I’m a licensed health and life insurance advisor based in Tampa. I work with business owners, the self-employed and families across 31 states, with a focus on private PPOs, medical underwriting and group plans for small businesses.
Before insurance, I spent years in one-on-one client consultation in skincare and medical esthetics. The lesson carried over: people don’t want forty options. They want someone who listens, explains plainly and tells them the truth, even when the truth is “keep what you have.”
How I’m paid: You never pay me. When you enroll, the carrier pays my commission, and your premium is the same as if you applied on your own. If I recommend keeping your plan, I earn nothing, and I’ll still recommend it.
Four ways to get covered
Plans from established carriers, compared for your situation by the same advisor you’ll call later.
Private PPO
Medically underwritten PPO plans that can cost less if you’re in good health, with broad networks and typically no referrals.
- Often fits
- Healthy people who want broad networks
- Enrollment
- Any time of year
Marketplace
ACA plans that always cover pre-existing conditions and may come with income-based tax credits.
- Often fits
- People with ongoing conditions or who qualify for tax credits
- Enrollment
- November 1 to January 15, or within 60 days of a life event
Business & group
Health coverage you can offer your team, set up and managed without an HR department.
- Often fits
- Small businesses covering employees
- Enrollment
- When your business sets up its plan
Supplemental
Dental, vision, life, accident and hospital coverage for the gaps a health plan leaves.
- Often fits
- Anyone who wants extra protection on top of a main plan
- Enrollment
- Often any time of year
Plans are offered by third-party carriers, which set final terms, pricing and availability.
Private PPO, Marketplace or COBRA?
Every option has trade-offs. Here’s how they compare, honestly.
Swipe the table to see all three options.
| What matters | Private PPO | Marketplace | COBRA |
|---|
Some private plans are full major medical insurance. Others are limited-benefit plans that pay set amounts toward care. I’ll tell you which is which before you apply.
Licensed in 31 states. Based in Tampa.
Choose your state to start. Outside these states? I’ll connect you with an advisor I trust.
Choose your state, or tap it on the map.
LicensedTrusted partner
Let’s start with you.
Rather pick a time? Book a free 15-minute call. Bring your current plan if you have one, and I’ll do the rest.
- Length
- 15 minutes
- Where
- Phone or Zoom
- Cost
- Free, no obligation
To make the call count, have these nearby: your current plan and monthly premium, the doctors and prescriptions you want to keep, and birthdates for everyone who needs coverage.
Prefer to call? (813) 451-0821
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Open the booking pageStraight answers.
The questions I hear most, answered plainly. Don’t see yours? Call or text (813) 451-0821.
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