Health Coverage for the Way You Work
SELF-EMPLOYED AND SMALL BUSINESS INSURANCE
When work does not include benefits, we help self-employed professionals, independent contractors, and small business owners compare coverage for themselves, families, or employees with guidance from an experienced broker.
Prefer to talk first? Compare my options.
Personally reviewed by Craig Sawyer. No Call Center. No obligation to enroll.
Your Work is Independent. Your Health Coverage Needs a Plan.
You work hard to create opportunities. Your health coverage should support the life you’re building. Whether you are self-employed, an independent contractor, a small business owner, Sawyer Health Solutions helps you understand your options and find a plan that fits your needs, your family, and your budget.
You’ll get straightforward guidance from an experienced broker, not a call center, so you can make confident decisions about your coverage.
Which Situation Sounds Like Yours?
I work for myself.
You’re self-employed, freelance, or independent contractor, and need coverage for you or your family.
I Own a Business and Need Personal Coverage.
You own a business and need health coverage for yourself, with or without a plan for future employees.
I Have Employees.
You’re a small business owner and want to explore coverage options for your team.
Coverage Paths Worth Comparing
ACA Marketplace Coverage
What it is: Health plans through Healthcare.gov
Who may consider it: Individuals and families
Important consideration: Eligibility & subsidies depend on income
Private Individual Health Coverage
What it is: Non-ACA compliant plans sold outside the marketplace
Who may consider it: Healthier people wanting more plan options
Important consideration: No premium subsidies. Medically underwritten
Dental & Vision Coverage
What it is: Standalone plans for dental and vision care
Who may consider it: Individuals, families, & small businesses
Important consideration: Helps cover routine & unexpected care
Life Insurance for Personal or Business Protection
What it is: Financial protection for your loved ones or business
Important consideration: Coverage needs vary by situation.
Who may consider it: Anyone who wants to protect what they’ve built
Off-marketplace ACA-Compliant Coverage
What it is: ACA compliant plans purchased directly from insurers
Who may consider it: Those who don’t qualify for subsidies
Important consideration: Premiums are the full cost
Traditional Small Group Health Insurance
What it is: Group health plans for eligible small businesses
Who may consider it: Businesses with 2+ employees (varies by state)
Important consideration: Eligibility & subsidies depend on income
Accident & Critical Illness Coverage
What it is: Supplemental coverage for unexpected events
Who may consider it: Individuals, families, & small business owners
Important consideration: Helps with out-of-pockets costs.
Short-Term Medical Coverage
What it is: Temporary coverage for limited time periods
Who may consider it: Those in transition (between jobs)
Important consideration: Not ACA compliant, limited benefits.
Not Sure Which Path Fits Your Situation?
Let’s look at your goals, your budget, and your options together.
No call center. No obligation to enroll. Just honest answers from a real broker.
Health Insurance Cost Comparison Calculator
Get a quick estimate of your monthly health insurance costs in just a few steps.
When Income Changes, Your Coverage May Need to Change, too.
If your income fluctuates, you may qualify for different coverage options or savings. We’ll help you understand when it makes sense to revisit your plan so you can stay covered and avoid surprises.
Life changes. Your coverage should keep up.
Exploring Benefits for a Small Team?
A well-designed benefits strategy can help you attract and retain great people while keeping your business healthy. We’ll help you compare options and find a solution that fits your team and your budget.
Questions to Resolve First
How many employees will you be covering?
What is your budget?
Do you want to offer one plan or multiple options?
Are you open to voluntary benefits?
Talk with Craig about employee benefit options >
Award Winning Guidance You Can Trust
2025 Cape Coral Community Votes Gold Winner
Independent health and life insurance guidance for individuals, self-employed professionals, and small business owners.
Craig Sawyer
Independent Health & Life Insurance Broker
A Simple, Personal Process
Share a few details about your situation and what matters most.
1. Tell Us What You Need
2. We Review Your Options
We compare available options and explain them clearly.
3. Compare Without Pressure
Get clear recommendations and can decide at your own pace.