A Health Broker You Can Refer Clients To Without Worrying
When you send a client to someone, your name rides along. If they get upsold, ignored, or handed to a call center, that comes back to you. I built my practice so that never happens. CPAs, financial advisors, realtors, and HR teams send me their under-65 clients because I solve the coverage problem, keep it honest, and stay out of the relationship they already have with you.
Ryan Michalek
Licensed Health & Life Insurance Agent · NPN 21043091 · Licensed in 31 states
I'm the independent broker your clients will actually talk to — Tampa-based, five-star reviewed, and the same person who answers the phone when they call back in July. More about me →
Who Already Sends Me Clients
Professionals whose clients hit a health-coverage question they are not licensed to answer — and who need somewhere safe to point them:
- CPAs & tax preparers — the client who just went self-employed, the S-corp owner asking about the premium deduction, the family that got a subsidy-repayment surprise at tax time.
- Financial advisors & planners — the client retiring before 65 who needs to bridge the gap to Medicare without wrecking the plan.
- Realtors & mortgage pros — the self-employed buyer who needs their own coverage sorted before closing.
- HR, payroll & PEO teams — the contractor or part-timer who falls outside the group plan, or the owner moving off a group entirely.
- Attorneys — the client coming out of a divorce, a layoff, or a new business formation who suddenly owns their own coverage.
Why Professionals Trust Me With Their Clients
No fee to your client
Brokers are paid by the carriers, never by the person. It costs your client nothing to talk with me or to enroll — so a referral never looks like you sent them to a bill.
No conflict with you
I am a health broker. I solve the coverage question they came with and nothing else — I will not cross-sell your client or step on the relationship you have built.
Independent & licensed in 31 states
Not a call center and not tied to one company — I compare the real options and recommend what fits. Licensed in 31 states (NPN 21043091), based in Tampa.
Year-round, not just at enrollment
When a billing question or a confusing letter comes up mid-year, your client calls me — not a 1-800 number, and not back to you.
Plain English, honest trade-offs
I explain what a plan does and does not do, in language a normal person follows. No hype, no scare tactics, no “comprehensive” where it isn’t.
A reputation you can check
Five-star reviews on Google from real clients, BBB accredited, NABIP member. You can verify my license before you send a single person my way.
The Clients I’m Built For
I specialize in the under-65 people nobody’s HR department is looking out for — the ones who buy their own coverage. If a client of yours fits one of these, they are exactly who I help:
- Self-employed professionals & 1099 contractors
- LLC & S-corp owners sorting out the premium deduction
- Clients retiring before 65 who need to bridge to Medicare
- Earners over the subsidy cliff paying full freight on the marketplace
- Anyone between jobs or losing employer coverage
- Small-business owners covering themselves or a small team
- Families buying their own coverage
How a Referral Works
Send them my way
Forward this page, pass along my number (813) 833-7448, or make a quick email intro. No forms or portals to learn.
We talk — free, no pressure
A real conversation about their situation. I compare their options and explain the trade-offs in plain English.
They’re taken care of — and you look good
I get them covered and stay their broker year-round. With their okay, I’ll let you know it’s handled, so you can close the loop.
Copy a ready-to-send intro
Short on time? Copy this and paste it into an email or text to your client — it’s written, warm, and ready to go.
Hi — for your health insurance question, I’d talk to Ryan Michalek at Michalek Health Solutions. He’s an independent, licensed broker (not a call center), there’s no fee to you, and he’s good about explaining the options in plain English. You can reach him at (813) 833-7448 or book a time at michalekhealthsolutions.com. Tell him I sent you.
I Work Alongside Your Advice, Not Around It
You know your client’s whole picture — the tax situation, the retirement plan, the business. I stay in my lane: health coverage. When a plan choice touches something you handle — how a premium is deducted, how income affects a subsidy, how a coverage decision fits the bigger plan — I’ll flag it and point your client back to you, because that’s your call to make, not mine. The goal is simple: your client gets the right coverage, and you stay the trusted advisor at the center of it.
In their words
“Excellent customer service! … We also referred him to our neighbors and other business owners. 10/10!”
— Mishi C.
“Super knowledgeable and made the process quick and easy … I will be sending all my friends and family his way.”
— Jordan W.
“Ryan and his team found me the best health insurance for my needs and my budget, and were so honest and reliable … I would recommend them 100 times over.”
— Libby B.
Common Questions From Referral Partners
Do my clients pay you anything?
No. Brokers are paid by the insurance carriers, not by the person. There is never a fee to your client to talk with me or to enroll in a plan.
Will you try to sell my client other products?
No. I am a health insurance broker. I solve the coverage question your client came with and stay in that lane — I will not cross-sell them or reach into the relationship you already have.
What kinds of clients should I send?
Under-65 people who buy their own coverage: the self-employed and 1099 contractors, LLC and S-corp owners, clients retiring before 65, anyone between jobs or losing employer coverage, families, and small-business owners.
How do referrals actually work?
Forward this page, share my number, or make a quick email introduction. We have a free, no-pressure conversation, and — with your client’s permission — I let you know it’s handled so you can close the loop.
Do you give tax or financial advice?
No, and I am careful about that line. When a coverage decision touches tax or financial planning, I point your client back to you. Nothing I provide is legal, tax, or financial advice.
Let’s set up a simple referral relationship.
No paperwork, no obligation — just a quick conversation so you know exactly who you’re sending people to. Have a client who needs coverage right now? Send them straight to the free cost estimator as a low-pressure first step.
— Ryan Michalek, Licensed Health & Life Insurance Agent | NPN 21043091 | Tampa, FL