Where I'm licensed
Health Insurance Help Across 31 States
I'm a health insurance broker based in Tampa, Florida, 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.) If you live in one state and work across others, that multi-state licensing is the point: one broker instead of a new stranger in every state. Many of the private plans I work with also use broad PPO networks that reach across state lines, which is what matters most once you're seeing doctors away from home.
Where I'm licensed, and how I can help in your state.
Listed alphabetically. States with a dedicated guide link through to it; for every other, I'm one message away and licensed to help.
Alabama
From Huntsville's aerospace corridor to the auto plants along I-65 and Mobile's shipyards, Alabama's contractors and self-employed need their own coverage. I compare private under-65 and marketplace options and tell you plainly which one fits.
Alabama health insurance broker guideArkansas
Northwest Arkansas runs on a vendor economy: the 1099 consultants and suppliers around Walmart, Tyson, and J.B. Hunt. I help Arkansas's self-employed compare private under-65 plans and the marketplace side by side.
Arkansas health insurance broker guideColorado
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 health insurance broker guideDelaware
For Delaware families and individuals buying their own coverage, the trick is matching a plan to your doctors and budget rather than just the sticker price. I handle that comparison for you.
Delaware health insurance broker guideFlorida
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. If you're local, here's how I work with Tampa Bay clients.
Florida guideGeorgia
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 health insurance broker guideIllinois
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. A lot of that work is downstate, which the Southern Illinois guide covers.
Illinois health insurance broker guideIndiana
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 line them up against marketplace coverage on your real numbers.
Indiana health insurance broker guideIowa
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.
Iowa health insurance broker guideKansas
Wichita's aerospace supply chain runs on contractors, and the KC suburbs and western Kansas add their own self-employed. I compare private under-65 coverage and the marketplace on your real numbers.
Kansas health insurance broker guideKentucky
Kentucky runs its own marketplace, kynect, and plenty of self-employed Kentuckians around Louisville and Lexington still need their own plan. I compare kynect and private under-65 options side by side.
Kentucky health insurance broker guideLouisiana
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.
Louisiana health insurance broker guideMaryland
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.
Maryland health insurance broker guideMichigan
In Michigan I help families and small-business owners find coverage that fits how they use care, without paying for benefits they won't use. I compare across carriers and explain the trade-offs plainly.
Michigan health insurance broker guideMississippi
In Mississippi the question is usually the monthly number. From Jackson to the Gulf Coast, I compare a subsidized marketplace plan against private under-65 coverage and tell you plainly which one fits.
Mississippi health insurance broker guideMissouri
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.
Missouri health insurance broker guideMontana
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.
Montana health insurance broker guideNebraska
Omaha may be an insurance town, but its contractors, Union Pacific families, and the ranch economy still buy their own coverage. I compare private under-65 plans and the marketplace, with an eye on rural networks.
Nebraska health insurance broker guideNevada
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.
Nevada health insurance broker guideNorth Carolina
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 health insurance broker guideOhio
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, so it's worth using before it closes.
Ohio health insurance broker guideOklahoma
Oklahoma's energy economy runs on 1099s whose income moves with the rig count. I help OKC, Tulsa, and the state's self-employed compare private under-65 plans and the marketplace.
Oklahoma health insurance broker guideSouth Carolina
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.
South Carolina health insurance broker guideSouth Dakota
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.
South Dakota health insurance broker guideTennessee
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 just taking the default.
Tennessee health insurance broker guideTexas
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. For North Texas prices and options, see the Dallas & DFW guide.
Texas health insurance broker guideUtah
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.
Utah health insurance broker guideVirginia
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.
Virginia health insurance broker guideWest Virginia
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.
West Virginia health insurance broker guideWisconsin
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 health insurance broker guideWyoming
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.
Wyoming health insurance broker guideDon'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.
City and regional guides: Tampa Bay, where my office is, Dallas-Fort Worth and Southern Illinois and the Metro East, each broken down by the neighborhoods, counties and commutes people there actually name.
Searching for a health insurance broker near me, or an independent health insurance agent in your state? What matters is the license, not the mileage. A broker has to be licensed in the state where you live to help you there, so check that first; you can look up any agent, me included, on the NAIC lookup or your state insurance department's site before you share a thing. I write private under-65 plans in all 31 states listed here, and if a subsidized marketplace plan suits you better, I'll say so and connect you with my enrollment partner for it.
The full list of licensed states.
What states is Michalek Health Solutions licensed in?
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.
Can you help if I live in one state and work in another?
Often, yes. I'm licensed in 31 states, so if your home is in one state and your business or contracts run through others, we can look at what's available without handing you off. Coverage is issued based on where you actually live, so that's where we start. Many of the private plans I work with also use broad PPO networks that reach across state lines, which is usually what matters once you're regularly seeing doctors away from home. Tell me which states are involved and I'll confirm what's available.
In their words
“Ryan is trustworthy and to the point. Felt very confident in his expertise and was able to assist me in no time. If you want hassle free, Ryan is your guy”
— Jack M.
Wherever you are, let's find coverage that fits.
Tell me where you live and what you need, and I'll handle the comparison and tell you straight what I'd recommend.
Prefer to start on your own? You can run the free estimator from anywhere, or book a 15-minute call and we'll talk it through.