Self-Employed Professionals
Coverage guidance for freelancers, independent contractors, 1099 workers and solo business owners comparing their individual health coverage options.
About PolicyAdvisor
Health coverage is complicated. We make it easier to compare.
PolicyAdvisor is an independent health insurance brokerage that helps individuals, self-employed professionals, business owners and families understand and compare their health coverage options.
Rather than starting with a single plan, we start with the person — their budget, doctors, prescriptions, coverage priorities and eligibility — and help them understand the options available to them.
Clearer decisions
What does PolicyAdvisor do?
PolicyAdvisor helps consumers navigate health coverage options with guidance from licensed insurance professionals. Depending on eligibility, location and individual circumstances, available options may include ACA Marketplace coverage and private health coverage products.
Our role is to make those choices easier to understand. We help clients compare important factors such as monthly cost, provider networks, deductibles, prescription needs, benefits and potential out-of-pocket exposure before making a coverage decision.
Compare the details
Look beyond the monthly price
Monthly cost
What you pay each month
Network
Where and from whom you can receive care
Benefits
What the coverage is designed to pay
Financial exposure
What costs may remain your responsibility
Who we serve
Who does PolicyAdvisor help?
We work with people whose health coverage decisions don't always fit neatly into an employer-sponsored plan.
Business Owners
Help evaluating coverage options for owners, their families and, where applicable, their businesses or employees.
Individuals & Families
Guidance for households comparing health coverage based on their budget, medical needs and eligibility.
People Comparing Marketplace & Private Options
A clearer way to understand how available coverage options differ before choosing a plan.
Why does PolicyAdvisor exist?
Health insurance is difficult to compare because two plans with similar monthly prices can provide very different benefits, networks and financial protection. Focusing only on the premium can leave important differences hidden.
PolicyAdvisor was built around a simpler idea: consumers should understand what they're considering before they enroll.
Our goal is to make the differences easier to see, explain the tradeoffs in plain language and help each client make a more informed coverage decision.
A complete view
What should you compare when choosing health coverage?
Price matters, but it isn't the only factor that determines whether coverage fits your needs.
Monthly premium
Deductible
Provider network
Doctor access
Prescription coverage
Benefits and benefit limits
Out-of-pocket exposure
Eligibility requirements
Coverage limitations and exclusions
The importance of each factor depends on the type of coverage being considered and the needs of the individual or family. A licensed insurance professional can help explain those differences before enrollment.
Human support
Licensed guidance, without the insurance jargon
PolicyAdvisor connects consumers with licensed insurance professionals who can help explain available coverage options and answer questions about how a plan works.
We believe consumers should know what type of coverage they're considering, what it is designed to cover, where its limitations are and what alternatives may be available.
PolicyAdvisor is operated by Bethel Health Insurance Agency LLC.
Guidance means
Understanding before enrollment
Know the coverage type
Understand how the plan works
See limitations clearly
Consider available alternatives
Not all health coverage works the same way
Different health coverage products can have materially different benefits, eligibility requirements, exclusions, provider networks and consumer protections. Private or supplemental products should not automatically be treated as equivalent to ACA-compliant major medical insurance.
PolicyAdvisor helps consumers understand the type of coverage they are considering and compare relevant options based on their individual circumstances.
Ready to compare your options?
Tell us what you're looking for and speak with a licensed insurance professional about the health coverage options available to you.
Questions? Contact PolicyAdvisor