Michalek Health Solutions is based in Tampa, Florida and licensed in 31 states — every one is listed below, alphabetically, with how I can help there. (You're always welcome to verify my license through the NAIC's national lookup before we ever talk.) States with a dedicated guide link through; for any other, tell me where you live and I'll confirm what's available.
Listed alphabetically. States with a dedicated guide link through to it; for every other, I'm one message away and licensed to help.
Private under-65 plans in Alabama can typically be applied for year-round, so you're not stuck waiting for open enrollment if your coverage changes mid-year. I'll line those up against a marketplace plan and tell you honestly which fits.
Get my options →If you're self-employed or 1099 in Arkansas, you're exactly who I work with — no employer plan, but the whole individual market open to you. I'll also check whether your income may qualify you for help paying premiums.
Get my options →Colorado is one of my regular states, whether you're covering a family or bridging to Medicare in the pre-65 years. I compare private and marketplace paths so the choice is based on real numbers, not guesswork.
Colorado guide →For Delaware families and individuals buying their own coverage, the trick is matching a plan to your doctors and budget rather than the lowest sticker price. I handle that comparison for you.
Get my options →Florida is home base — I'm Tampa-based and licensed here, and it's where I help the most self-employed workers, families, and small-business owners. Private under-65 coverage is often available year-round.
Florida guide →Left or lost a job in Georgia? That usually opens a special enrollment window, so you can weigh continuation coverage (staying on your old employer plan, COBRA-style, but at full price) against an individual plan rather than assuming the pricier route is your only choice. (In Georgia I place private under-65 coverage; a subsidized marketplace plan there runs through Georgia Access, the state's own exchange.) I'll run the numbers with you at no cost.
Georgia guide →Get my options →In Illinois I work with everyone from 1099 contractors to small-business owners setting up coverage for a few employees. I shop across the market so you're not stuck with one company's menu.
Illinois guide →Indiana's self-employed and between-jobs residents are a big part of my work, and private under-65 plans there can often be started any time of year. I'll compare them honestly against marketplace coverage.
Indiana guide →For Iowa families buying coverage on their own, I focus on keeping your doctors in-network and matching the plan to how you actually use care. My help is free — I'm paid by the carrier, not by you.
Get my options →Retiring before 65 in Kansas, or covering a gap? I specialize in bridge coverage until Medicare starts, built around your budget and providers.
Get my options →Kentucky residents can often apply for private under-65 coverage year-round, not only during open enrollment. I'll weigh that against a marketplace plan so you see both sides clearly.
Get my options →Self-employed or 1099 in Louisiana? You get to shop the whole market, and more people qualify for premium help than expect to. I'll build a realistic income estimate with you so nothing's left on the table.
Get my options →If you're losing employer coverage in Maryland, you typically have a limited special-enrollment window — and more than one path once it's open. I compare continuation coverage, private plans, and the marketplace side by side.
Get my options →In Michigan I help families and small-business owners find coverage that fits without overpaying for benefits they won't use. I compare across carriers and explain the trade-offs plainly.
Michigan guide →Private under-65 plans in Mississippi can usually be applied for any time of year, which helps if a job or life change leaves you without coverage. I'll compare your options and recommend honestly, with no fee to work with me.
Get my options →Missouri's self-employed and 1099 workers are right in my wheelhouse — I compare private and marketplace coverage and flag any income-based help you may qualify for. You choose on facts, not a sales pitch.
Get my options →A lot of my Montana clients are ranching or seasonally self-employed, so their income — and the subsidy math that goes with it — can swing hard from month to month. I work by phone or video and help you build a realistic annual estimate before you enroll.
Get my options →For Nebraska families buying their own coverage, I match the plan to your doctors and budget and handle the comparison — no pressure, no obligation to enroll.
Get my options →Self-employed or 1099 in Nevada? Private under-65 coverage is often available year-round, and I'll compare it against a marketplace plan so you see the real trade-offs before deciding.
Get my options →North Carolina is a state I work in often, from self-employed individuals to growing families. I compare private and marketplace options and keep the whole thing in plain English.
North Carolina guide →Whether you're an Ohio small-business owner covering a team or someone between jobs, I'll compare your real options across the market. Losing job-based coverage usually opens a special enrollment window worth acting on quickly.
Get my options →Oklahoma residents can often apply for private under-65 coverage throughout the year, not just at open enrollment. I'll line the options up honestly against a marketplace plan, with no fee for the guidance.
Get my options →For South Carolina families and pre-65 early retirees, I match coverage to your doctors, budget, and timeline to Medicare. I compare the paths and give you a straight recommendation.
Get my options →If you're self-employed in South Dakota, the whole individual market is open to you, and I'll help you compare it and check for premium help. The guidance is free.
Get my options →Changed jobs or lost coverage in Tennessee? That usually opens a special enrollment window, so we can compare continuation coverage against private and marketplace plans instead of overpaying by default.
Get my options →Texas is one of my biggest states, especially for self-employed and 1099 workers who earn too much for subsidies and need another route. I compare private under-65 and marketplace coverage side by side.
Texas guide →For Utah families and individuals buying their own coverage, I keep the focus on your doctors and how you actually use care, not just the monthly price. Private plans are often available year-round.
Get my options →Self-employed or 1099 in Virginia? I compare your full range of options and help estimate whether you qualify for income-based premium help — the part that's easy to get wrong on your own.
Get my options →Bridging to Medicare before 65 in West Virginia, or covering a gap? I specialize in matching under-65 coverage to your budget and providers until Medicare starts, with no fee and no obligation to enroll.
Get my options →In Wisconsin I help families and small-business owners compare coverage that fits their needs without paying for extras. I shop across carriers and explain it plainly.
Wisconsin guide →Wyoming has the smallest population of any state I'm licensed in, but you get the same full comparison — private under-65 plans there can often be applied for year-round, and I'll line one up against the marketplace by phone or video, wherever you are in the state.
Get my options →Don't see the detail you need? I'm licensed in all 31 states — tell me where you live and I'll confirm what's available.
Michalek Health Solutions is licensed in 31 states: Alabama, Arkansas, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming. If you live in any of them, we can work together by phone or video, and I'll always tell you honestly what's available for your situation. You can verify my license anytime through the NAIC national lookup.
Tell me where you live and what you need; I'll handle the comparison and the honest recommendation.