Tell me what you need
We discuss your present coverage, what you are paying and the protection you are trying to secure.
Health coverage for Florida's self-employed
Health protection built around the self-employed.
If you are healthy, self-employed and paying too much, or taking the risk of going without coverage, speak directly with an experienced licensed agent about medically underwritten coverage for physician, hospital, outpatient and prescription services.
No call center. No pressure. A direct conversation with Jim Craig, Florida Licensed Insurance Agent.
Florida's self-employed have a unique plan that fits directly with their business and lifestyle.
30+ yearsServing self-employed people and small-business owners
904-370-3976Call or text Jim directly
Email Jimjim@thecraigagency.com
Actual anonymous client examples
Plans that make sense for the self-employed and small-business owner.
Who this actual quote was prepared for
47-year-old male in the construction business
Duval County, Florida, ZIP 32233
Duval County, Florida, ZIP 32233
Combined monthly premium
$329.11
What coverage does this 47-year-old male in the construction business in Duval County have?
- Physician, hospital, outpatient and prescription health coverage
- No plan deductible
- Accident & sickness coverage providing additional income
- Dental and vision coverage
- Unlimited 24/7 telemedicine at no additional cost
- $50,000 of 20-year term life insurance
* Read the general coverage information below. Complete benefits, limitations and exclusions are provided in the authorized company materials.
Family example
Husband age 45, spouse age 43 and two children $858.23 per month
Husband age 45, spouse age 43 and two children $858.23 per month
If you are self-employed, you do not have paid sick days.
When you are not working, no benefit check is coming. That is why staying healthy, getting care conveniently and preparing for an unexpected accident matter differently when you work for yourself.
Stay ahead of health problemsAn annual physical is included to help you stay current with preventive care.
Choose your physicianYou may see any physician in the United States. Three plan choices are available, and staying within the provider network can eliminate plan copays under most available options.
Use care around your workdayUnlimited general telemedicine is available 24 hours a day, seven days a week, at no additional cost. Call from the job or from home and avoid a doctor's office when an appropriate virtual visit can meet the need.
Prepare for a covered accidentThe illustrated package includes cash benefits that may help with expenses when a covered accident keeps you from working. You may also choose a higher accident-benefit level. This is not disability-income or workers' compensation coverage.
These are anonymous examples from actual client quotes, not offers or guarantees. Premiums applied to the applicants and requested effective dates shown in their quotes. Another person's premium, eligibility and coverage may differ. Client identities, insurance-company names and product names are not published.
A simpler first step
Start with a clear conversation about what you need.
I have spent more than 30 years talking with people about health insurance. My role is to explain the available choices clearly so you can decide whether you want to apply.
Review available choices
We discuss the types of protection available and the priorities that matter most to you.
Make your decision
You receive a clear explanation of costs and general plan limitations before deciding whether to apply.
Why it can work for the self-employed
Your health plan should respect both your medical needs and your working life.
A self-employed person can lose income by missing work and can be hit especially hard by unexpected medical expenses. The goal is to consider both healthcare needs and the financial effect of time away from the business.
Physician and outpatient care
Available health-plan options may include benefits for physician visits and outpatient medical services.
Hospital protection
Hospital benefits can be an important part of protecting a self-employed person's health and finances.
Prescription benefits
Prescription coverage is considered as part of the overall healthcare package.
No plan deductible
The health option illustrated on this page has no plan deductible. Complete benefit terms are explained using the authorized company materials.
Protection beyond medical care
Accident, dental, vision and life coverage may be considered alongside the health plan.
A personal explanation
Jim reviews the available choices and authorized materials with you before you decide whether to apply.
Who should call
Designed for a specific kind of buyer.
This option is not intended for everyone. It is generally designed for healthy self-employed adults rather than younger families seeking maternity coverage. It may be worth discussing if several of these statements describe you.
Prefer to ask directly?
Call or text 904-370-3976. If I am helping someone else, leave your name and number and I will return your call.
- You are self-employed or work independently in Florida.
- You are generally healthy and willing to answer medical questions.
- You are uninsured or dissatisfied with a high premium and deductible.
- You want to understand physician and hospital benefits before deciding.
- You value speaking with an experienced individual agent rather than a call center.
Build protection around your working life
Health coverage can be paired with additional protection.
Optional accident coverage for the self-employed
An accident or illness can create two problems at once: additional expenses and time away from work. Optional coverage may provide additional cash benefits during covered events. Complete benefits, limitations and exclusions are explained using the authorized company materials.
International health coverage
Your health coverage should travel with you.
Before a cruise or overseas trip, find out what your current U.S. health plan covers outside the country. Many plans provide limited or no coverage abroad, and Medicare generally covers foreign medical care only in narrow circumstances.
On a cruise ship or foreign shore, a hospital or doctor may require payment or a deposit before providing care. You may need cash, credit or an accepted payment guarantee, even when you expect reimbursement later.
Add international medical protection to the cost of your trip. It is easy to explore, and many travelers are surprised by how affordable the coverage can be.
- Cruises
- Overseas vacations
- Individuals and couples
- Family travel
Coverage, exclusions, territorial limits and available benefits vary. Review the policy details before you travel.
Meet your agent
Experience matters when the fine print matters.
I am Jim Craig, an individually licensed Florida insurance agent. For more than three decades, my focus has been self-employed people and small-business owners with ten or fewer employees—the backbone of American business and a group that few companies or agents make their primary focus.
At TCA, we searched for strong products and companies that could address the particular needs of small-business owners and the self-employed. After all, I am one too. My role is to explain the choices clearly, answer questions and help each person make an informed decision about applying.
— Jim Craig
Important plan information
The health coverage discussed on this page is medically underwritten and is not Affordable Care Act-compliant major medical insurance. Pre-existing-condition limitations and other policy limitations may apply.
The illustrated health option has no plan deductible, but that does not mean every medical charge is paid in full. Complete benefits, limitations and exclusions must be reviewed in the authorized company materials and issued policy.
Premiums, coverage and eligibility vary by applicant and selected plan. Nothing on this page is a promise of coverage, a complete description of benefits or a guarantee that an application will be approved. Accident, dental, vision and life products are separate coverages with their own terms and premiums.
A ten-minute conversation can tell us whether to continue.
Speak directly with Jim Craig about your situation and the questions that matter.