- Licensed in 34 states - 5 Years of Experience - Free Consultation - Shop All Your Options - NPN#20611433
Coverage for
Independent consultants and technology professionals
Health & Life Insurance Options
For Independent Consultants, Technology Professionals, and Families
Working independently? Compare health coverage for your family and eligible employees, plus life insurance for the people who depend on you.
Get to Know Us
- Health Carriers: United Healthcare , Cigna, Aetna, BlueCross Blue Shield, First Health - Life Carriers - Tansamerica , Foresters , Ethos, Mutual of Omaha
What Would You Like to Review?
Choose the coverage you need to get started.
How We Can Help
- Plan your health coverage before leaving an employer
- Explore health plans you can keep between client projects
- Check access to care when your work involves travel
- Compare health coverage and costs for your family
- Explore employee health benefits as your consulting team grows
- Review life insurance to help protect your family's finances
Why Work with KHS?
A More Focused Way to Review Coverage
✓ Independent guidance across multiple insurance carriers
✓ Direct access to a licensed insurance advisor
✓ Clear explanations without insurance jargon
✓ Personalized recommendations based on your goals
✓ Help with applications and next steps
✓ A coverage review with no obligation to enroll
Common Questions
Is This for Freelance and Contract Technology Professionals?
Yes. Independent consultants, developers, and other contract technology professionals can request personal and family health and life insurance reviews.
Do I Need a Registered Company to Request a Review?
No. You can request an individual or family coverage review as a freelancer or sole proprietor.
Can I Start Before Moving from Employment to Consulting?
Yes. You can begin planning before your employer coverage ends. Enrollment eligibility and coverage start dates still depend on the plan.
Can I Include My Family Even If Only I Work Independently?
Yes. Tell us you need a household review so your spouse and children's coverage needs are included in the conversation.
Can I Handle the Review Remotely?
Yes. The review can take place by phone. No office visit, tax returns, or medical records are needed to submit the initial request.
Compare Coverage and Cost
Marketplace plans are private insurance. Outside the Marketplace, some plans are ACA-compliant; others use medical underwriting and may exclude pre-existing conditions, cap benefits, or cover fewer services. A lower premium does not mean equivalent coverage.
- Compare what each plan covers, excludes, and could cost when you need care.
Korbos Health Solutions LLC is an independent insurance agency, not a government agency. Services are available where licensed. Availability, eligibility, premiums, benefits, exclusions, underwriting, and enrollment rules vary by state and plan. Non-ACA products may lack ACA protections. Limited-benefit and fixed-indemnity policies do not replace comprehensive major medical coverage. Savings, approval, and effective dates are not guaranteed. Keep existing coverage until any replacement is approved, effective, and understood.