Affordable, Customizable Health Plans Tailored to

YOUR needs.

Affordable, Comprehensive Health Plans built just for You. Empowering you with flexible health plans that fit your unique needs and budget.

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Explore Your Premium Health Coverage Options

Explore tailored health plans and wellness programs designed to safeguard and enhance your life, ensuring peace of mind for you and your family.

What Makes Independence Health Advisors Different?

At Independence Health Advisors, we’re not sales agents. We are licensed advisors who provide expert, unbiased guidance tailored to your unique situation. Whether you need a private plan or a marketplace option, we help you explore all available choices so you can make a confident, informed decision. Because when it comes to healthcare, one size doesn’t fit all—and it shouldn’t cost a fortune either.


"Healthcare should work for you—not the other way around.

Get the freedom and protection you deserve!"

Health Plans for Self-Employed Professionals

We offer tailor-made insurance solutions to match individual and family health needs, ensuring you receive optimal coverage within your budget.

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Group and Family Health Plans

We help you access competitive group-like rates—without the complexity of traditional employer-based insurance. Provide your family and team with quality health benefits that won't break the bank.

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Keep Your Doctors - Access the Largest PPO Network

We understand how important it is to keep your trusted doctors and specialists. That’s why our plans offer access to a nationwide PPO network accepted by 95% of providers, giving you the flexibility to choose the care you prefer.

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Choose Any Doctor, Any Hospital

No more network restrictions—see the doctors you trust and get care wherever you need it. Our flexible PPO options and non-restrictive coverage give you the freedom to choose, so you're in control of your healthcare decisions

Our Preferred Providers

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Your Dedicated Personal Health Advisor

Listening To Your Needs

Explore tailored health plans and wellness programs designed to safeguard and enhance your life, ensuring peace of mind for you and your family.

Our Values

To keep our values always at the forefront of what we do, we came up with an easy to remember acronym:

SWIGS
Sharing Wellness with Integrity to Grow Sustainably

Vision

To be the trusted partner in health coverage, ensuring our clients feel secure and supported in their healthcare journey.

Mission

To provide affordable and flexible health insurance solutions that empower self-employed individuals, small business owners and their families to thrive, without risking their health or their wealth.

Testimonials

The Martinez Family

Being a self-employed small business owner family with three kids under 8, having comprehensive coverage is crucial. You educated me and my husband on all of our options and I we got the coverage we were hoping for at a reasonable price.

Monica Chandler

I was overpaying for what I thought was "comprehensive" just to realize that I my plan was now rejected by my preferred doctor. As a single mother, I do not have the time to be shopping around and with all of the spammy calls and text I get for health plans, only made it worse and overwhelming. It felt good to know who I am talking with is a licensed professional, guiding me through the process and showing me all of the options.

Thomas Krazinski

I was paying an arm and a leg on the public marketplace. I was able to cut nearly 30% on my monthly premium and I feel like I have much better coverage and protection in case something unexpected happens.

FAQs

Your Questions Answered: Quick Insights into Your Coverage

What types of health insurance plans are available?

Although we specialize on nation-wide PPO, we have partners within our network that match our clients with the plan to fit the needs and budget of our clients, including HMO, EPO, and POS.

Can I keep my current doctor?

Yes! Our plans provide our clients with access to the largest PPO network in the nation for self-employed and small business owners, which is accepted by 95% of health providers nationwide.

Who is Independence Health Advisors for?

Independence Health Advisors is designed for self-employed professionals, small business owners, and larger families looking for affordable, flexible health coverage. However, due to our unique position, if you don’t have employer-sponsored insurance or need a plan that fits your specific needs, we’ve got you covered, regardless of being a business owner or not!

Can I change my plan if my needs change?

Yes! Life happens, and we understand that your needs may change. You can adjust your plan, whether you need to add coverage, increase benefits, or make other modifications.

Are pre-existing conditions covered by your plans?

Depending on the conditions, we will match up the best type of provider for each case to ensure proper coverage of any pre-existing conditions from the day your coverage begins.

I’m self-employed. Can I get affordable coverage without a group plan?

Yes! We provide access to the largest PPO network for self-employed individuals, so you can choose any doctor or hospital without restrictions. Since our plans are medically underwritten, they’re often more affordable and offer better value than most small business group plans.

Can I use these plans to get tax deductions?

Yes! Most of our plans are Section 105 compliant. Many self-employed individuals can deduct health insurance premiums as a business expense. We recommend speaking with a tax professional to understand your specific tax benefits.

Do your plans cover my entire family?

Yes! Our family-friendly plans provide coverage for spouses, children, and dependents, ensuring that everyone gets the care they need—from preventive services to emergency care.

If these plans are so great, why doesn’t everyone have them?

Many people stick with conventional public health plans simply because they don’t know they have other options—or they assume private plans are too expensive. In reality, our members often find that based on their health, our plans offer better benefits at a lower cost compared to what they were paying before, especially for deductibles and out of pocket expenses!

What steps do I need to take to enroll in a plan?

Talk with one of our agents to assist you in your specific needs. Our agents will walk you through different plan options and providers on the private and public marketplace to find the most advantageous coverage for you and your family. Our agents are trained to provide an assessment of your needs and guide you to obtain the most comprehensive coverage at the best price on the market.

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