- Licensed in 34 states - 5 Years of Experience - Free Consultation - Shop All Your Options - NPN#20611433
- 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
- Explore health plans that don't depend on an employer
- Paying full price? Compare your available health coverage options
- Understand what each plan covers before you choose
- Check coverage for your doctors, treatments, and prescriptions
- Explore employee health benefits as your business 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
Do You Work with Freelancers and 1099 Contractors?
Yes. Freelancers, independent contractors, and sole proprietors can request health and life insurance reviews for themselves and their families.
Do I Need an LLC or Employees to Get Started?
No. You can request an individual or family coverage review without forming an LLC or hiring employees.
Can I Request a Review Before Leaving My Job?
Yes. Start the conversation before employer coverage ends. A review does not enroll you; enrollment rules and coverage start dates still apply.
Can I Include My Spouse and Children?
Yes. You can ask for a household coverage review, even if only one family member is self-employed.
Do I Need Tax Returns to Submit the Request?
No tax returns or medical records are needed for this initial request. Any later application requirements depend on the plan.
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.