All Your Coverage Options, One Trusted Source

National Insurance Brokers gives individuals and families access to multiple plan types across top carriers — so you can compare real options in one place. No carrier websites to juggle, no confusion about what's available.

We work across every major plan type including ACA Marketplace, Private PPO, Medicare, life insurance, and supplemental coverage. Whether you're shopping for yourself or your family, a licensed broker is ready to guide you at no additional cost.

Health Insurance for Individuals & Families Under 65

ACA Marketplace plans are government-regulated health insurance options (also called 'Affordable Care Act' Plans) available to U.S. residents who don't have coverage through an employer or Medicare. Most people qualify, and many are eligible for subsidies — premium tax credits — that reduce the monthly cost of coverage based on household income.

If your income falls too high to qualify for a subsidy, or if you simply want broader access to doctors and specialists, a Private PPO plan may be the right fit. PPO stands for Preferred Provider Organization — these plans allow you to see any doctor without a referral and give you greater flexibility in building your care team.

Working with a broker instead of shopping alone means someone is actively comparing plans on your behalf — at no additional cost. We evaluate options across multiple carriers and plan types to find the right fit for your budget and needs.

Medicare Coverage Options for Adults 65+

If you're approaching 65 or already enrolled in Medicare, there are three primary plan types to understand:

Medicare Advantage (Part C) — Bundled coverage offered through private insurers that replaces Original Medicare. Plans often include dental and vision benefits in addition to hospital and medical coverage.

Medicare Supplement (Medigap) — Works alongside Original Medicare to fill in cost gaps such as copays, deductibles, and coinsurance that Medicare doesn't fully cover.

Part D Prescription Drug Plans — Standalone prescription drug coverage that pairs with Original Medicare or a Medigap plan to help lower out-of-pocket medication costs.

Choosing between these plan types can be genuinely confusing — the terminology is dense and the options vary by location and carrier. A licensed broker compares options from multiple carriers at no cost to you, helping you find the plan that fits your health needs and budget.

Protect What Matters Most — Life & Final Expense Coverage

Life insurance complements your health coverage by protecting the people who depend on you financially. Whether you're planning for your family's future or simply making sure end-of-life costs don't fall on loved ones, there's a plan designed for your situation.

Fill the Gaps — Supplemental Coverage Options

Supplemental plans work alongside your primary health policy to reduce out-of-pocket exposure for expenses that most major medical plans don't fully cover. They're an affordable way to strengthen your overall protection and avoid unexpected financial strain.

You May Qualify for Lower-Cost Coverage

Many people are surprised to learn that financial assistance is available to help make health coverage more affordable. Here are the three main assistance scenarios:

1. Premium Tax Credits (ACA Subsidies) — Available to individuals and families earning between 100% and 400% of the federal poverty level (the government income benchmark used to determine eligibility) and in some cases beyond. These credits are applied directly to your monthly premium, reducing what you pay out of pocket each month.

2. Cost-Sharing Reductions (CSR) — Additional savings on deductibles and copays available to eligible enrollees who choose Silver-tier Marketplace plans. If you qualify, a Silver plan may deliver significantly better value than a higher-tier option.

3. Medicaid Gap & Low-Income Options — For those who fall below the subsidy threshold, Medicaid may be available depending on your state. A licensed broker can assess your eligibility and explain which options apply to your household.

Our brokers help you identify every discount and assistance program you're eligible for — at no cost to you.

Self-Employed? We Make Coverage Simple.

If you're a 1099 contractor, freelancer, gig worker, or self-employed business owner, you're responsible for sourcing your own health coverage — without an HR department to guide you. Here's what you need to know:

No employer plan? No problem. Self-employed individuals have access to the same ACA Marketplace, Private PPO, and supplemental options as anyone else. Your coverage options are not limited by your employment status.

You may deduct your premiums. Self-employed individuals can often deduct 100% of health insurance premiums from federal taxable income, reducing your overall tax burden. (Please confirm with a tax professional for your specific situation.)

Subsidy eligibility. Income from self-employment is calculated differently than W-2 income. A broker helps you model the right coverage tier based on your projected annual income so you don't overpay — or miss out on savings.

One broker, all options. Instead of visiting each carrier's website individually, a licensed broker does the comparison for you at no cost — saving you time and helping you enroll with confidence.

Getting covered shouldn't be complicated. We make it fast and straightforward, even without a company plan.