Take Back Control.
Paying Too Much for Health Insurance?
You worked hard to build your independence. Why let high marketplace health premiums eat away your profits? If you are a 1099 contractor, freelancer, realtor, or small business owner, you have private PPO options worth comparing.
Stop settling for one-size-fits-all HMOs with restrictive doctor lists. Get portable PPO health coverage that travels with your career and keeps your monthly overhead low.
Designed for How Independent Professionals Actually Work
Say goodbye to restrictive annual sign-up windows and surprise medical bills.
Nationwide PPOs
See any doctor, clinic, or specialist across all 50 states without waiting for primary care referrals or out-of-network penalties.
100% Portable
Your coverage belongs to you—not an employer or client contract. Switch clients, launch new projects, or relocate without losing your plan.
Lower Overhead
Healthy 1099 contractors can save 30% to 50% compared to unsubsidized public marketplace plans with identical deductibles.
Paycheck Protection
No sick leave? Pair your medical plan with accident and disability benefits that pay cash directly to you if you are unable to work.
Hey there! I’m Brittany Pachall.
Your Health Insurance Advisor.
Navigating health coverage on your own is stressful and overwhelming. As an independent licensed advisor, I cut through the confusion to help you secure coverage that genuinely fits your life, health, and budget.
Whether you are an independent 1099 contractor looking for portable PPO freedom, a growing family seeking lower deductibles, an employer wanting voluntary benefits at zero direct cost, or someone transitioning between jobs—I ensure you get the strongest protection available.
"I believe in personalized coverage, peace of mind, and protection for every season of life. When you work with me, you get a dedicated human advocate in your corner—not an automated bot or a high-pressure call center."
Self-Employed Health Insurance FAQs
Why do self-employed individuals pay so much for ACA health plans?
ACA exchange plans do not underwrite for health. They combine everyone into one community risk pool, which drives monthly premiums up drastically—especially for entrepreneurs whose income fluctuates above subsidy thresholds. Private medically underwritten plans reward healthy individuals with significantly lower monthly costs.
Can I write off my health insurance premiums as a 1099 professional?
In most cases, yes! Self-employed individuals, sole proprietors, and LLC owners can deduct 100% of their health insurance premiums on their federal tax return as an above-the-line deduction, reducing your adjusted gross income (AGI).
What happens if I take contracts in multiple states?
Because Brittany’s primary private plans utilize Nationwide PPO networks, you are covered in all 50 states. You don't have to change policies when traveling, working remotely, or taking out-of-state client contracts.
Can I add dental, vision, and disability insurance to my plan?
Yes. Brittany can build an all-in-one package bundling major medical PPO coverage with supplemental accident protection, disability paycheck protection, dental, vision, and cash-benefit cancer care.
Ready to Build a Plan That Works for You?
Let’s compare your current health insurance to private Nationwide PPO options. Book a 30-minute consultation with Brittany today.