Coverage Built Around Your Life — Not the Other Way Around
I don't sell one company's products. I compare every option across the marketplace so the plan fits your situation, your budget, and your doctors.
Private Health Insurance for Individuals & Families
Whether you're between jobs, self-employed, or simply not covered through an employer, private health insurance gives you real coverage on your own terms. I shop the full marketplace to find plans that fit your doctors, your budget, and your family's specific needs — not a one-size-fits-all marketplace result.
- ACA Marketplace Plans (with subsidy analysis)
- Off-Exchange Private Health Plans
- PPO & HMO Options
- Coverage for the whole family, including child-only plans
- Special Enrollment Period guidance for qualifying life events
Coverage options and subsidy eligibility vary based on income, location, and household size. Contact Carter for a personalized analysis.
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You Built Your Business. Don't Let Coverage Be the Thing That Trips You Up.
Self-employed, freelance, or running a small team — your coverage needs are unique. I help entrepreneurs and small business owners navigate individual plans, group options, and newer strategies like ICHRAs that let you offer coverage to employees without the complexity of traditional group insurance.
- Individual Coverage for Self-Employed & 1099 Workers
- Small Group Health Plans (2–50 employees)
- Individual Coverage HRAs (ICHRAs)
- Coverage During Business Transitions
- Annual reviews as your business grows
Your Primary Plan Covers the Expected. Supplemental Covers the Expensive Surprises.
A high-deductible health plan is only as good as your ability to cover that deductible when something happens. Supplemental plans pay you cash directly — to use however you need. Medical bills, lost income, childcare during recovery. They're affordable, flexible, and often overlooked until it's too late.
Accident Insurance
Pays a lump sum if you're injured in an accident. Covers ER visits, fractures, dislocations, and more.
Critical Illness Insurance
Lump sum payment upon diagnosis of covered conditions like cancer, heart attack, or stroke.
Hospital Indemnity
Daily cash benefit for every day you're hospitalized. Helps cover what your health plan doesn't.
Short-Term Disability
Replaces a portion of your income if an illness or injury keeps you from working.
The Plans People Always Mean to Add — And Should.
Most health plans don't include dental or vision. And if something happens to you, life insurance is what protects your family's financial stability. These plans are often more affordable than people expect, and the coverage gap they fill is real.
Dental Plans
Individual and family dental coverage for preventive care, basic procedures, and major work. Standalone plans available year-round.
Vision Plans
Annual exams, prescription lenses, frames, and contacts. Low monthly premiums, year-round enrollment.
Term Life Insurance
Affordable protection for the people who depend on you. Coverage up to $1M+, flexible term lengths.
Not sure which coverage type is right for your situation?
Answer a few quick questions and get a personalized recommendation based on your needs.
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