Four guides. Pick the one that sounds like your life.

Free, and there's no plan pitch inside any of them.

I ran kitchens for decades and my own restaurants for about 30 years before I ever sold a health plan. That whole time I bought my own coverage the way most self-employed people do: fast, in November, on price. Then found out in March what it didn't cover.

These are the guides I wish somebody had handed me back then. Two pages each. It took me longer to make them short than it would have to make them long.

  • The Self-Employed Health Coverage Checklist
    Seven questions to answer before you buy anything. It opens with the one that catches people at tax time: if you took a subsidy based on income you estimated and never went back and updated, that gets reconciled and you pay it back. Nobody from healthcare.gov calls in July to ask whether you had a good year.

  • The Traveling Professional's Coverage Checklist
    Seven questions for anybody whose work doesn't stay in one zip code. Most marketplace plans sold in Florida are HMOs, and the network stops at the county line. You usually learn that at a front desk in another state.

  • The Restaurant Owner's Guide to Health Coverage
    For you and your crew. Hospitality sits near the bottom of every coverage ranking in the country, and it's almost always the owner who ends up uninsured. I owned four of my own, so I'm not guessing at this one.

  • The Open Enrollment Survival Guide
    Five questions to answer before you pick a plan, plus a side-by-side of the Marketplace against the private market, including where the Marketplace is the better answer. Because plenty of times it is. The window opens November 1 for a January 1 start.

Or skip the reading and just call. It takes about fifteen minutes, and if the marketplace is where you belong I'll tell you that and we're done.

Kevin McCarthy - Armadillo Health
Licensed Health Insurance Advisor, licensed in 27 states. NPN #14158956

Educational only, not an offer of coverage. Plan availability, benefits, and eligibility vary by state and by individual underwriting.