Ryan grew up in the Chicago area, so helping Illinois families and business owners get covered is personal. I work with individuals, the self-employed, 1099 contractors, families, and small businesses across Illinois — from Chicago, Aurora, and Naperville to Rockford, Joliet, and Springfield — to find private under-65 coverage that fits real life and real budgets.
Heads up if you've shopped before: starting with the 2026 plan year, Illinois runs its own state exchange — Get Covered Illinois — instead of the federal HealthCare.gov. That's where you'll find ACA marketplace plans, which are guaranteed-issue and subsidy-eligible if you qualify. But the state exchange isn't your only path. Many self-employed Illinoisans and families who earn too much for subsidies — or got priced out — turn to private under-65 plans, which often offer PPO-style flexibility and year-round enrollment. I help you compare both honestly.
I'm independent, so I compare your real options and recommend what fits you — even when it earns me nothing. One licensed advisor, start to finish, not a call center. Licensed in Illinois and 31 states. (Ryan Michalek, NPN 21043091.)
Often, yes, especially after a qualifying event like losing coverage; many private plans enroll year-round.
Yes, statewide, including Chicago and surrounding areas.
No, I'm paid by the carriers, not you.
Buying your own coverage as a freelancer, contractor, or solo business owner.
Explore self-employed →Coverage for your household, built around your budget and doctors.
Explore family coverage →COBRA ending, between jobs, or losing a plan? Move fast and avoid a gap.
See gap options →Covering a team? Explore small business & group coverage → · See all service areas →
Fifteen honest minutes with someone who knows Illinois — I'll compare your choices and you decide.