Health insurance when you don't get it through a job
Start here if you've never bought coverage for yourself. Five real routes, what each one actually is, and when you're allowed to sign up.
Read more →Health insurance advice that isn't specific to your household isn't advice. Find your situation below — or just call and describe it. If you'd rather know who you'd be talking to first, here is Cavin Rohr's background and credentials.
Start here if you've never bought coverage for yourself. Five real routes, what each one actually is, and when you're allowed to sign up.
Read more →More people, more doctors, more prescriptions, and one number that decides everything. Family coverage has a wrinkle most parents don't know about.
Read more →No HR department, no employer contribution, and an income you have to predict before the year happens. That last part is the one that costs people money.
Read more →You do the work of an employee and carry the costs of a business. Coverage is the line item where that gap hurts most.
Read more →Losing job-based coverage opens a 60-day special enrollment window. That window is the most important thing on this page, so it's going first.
Read more →Under 50 employees, you're not required to offer anything. That makes this a business decision rather than a compliance one — which is harder, not easier.
Read more →Coverage rules differ enough by state that ten have their own guide: Florida, Texas, Georgia, Colorado, and Michigan, plus Illinois, Tennessee, Nevada, Missouri and Indiana. The rest of the 31 are on the licensing page.
Not on this list? That's fine — these are just the situations I see most. Call (813) 893-4125 and describe yours. If I'm not the right person to help, I'll tell you that and point you somewhere better.
Anyone buying their own under-65 health coverage: individuals, families, the self-employed, 1099 contractors and freelancers, people between jobs, and small business owners. If you get coverage through an employer and it works, you do not need a broker.
31 states. Cavin Rohr is a licensed insurance producer, NPN 21388659, and the full state list is published on the licensing page so you can verify it before calling.
No. The focus is under-65 coverage. If you are approaching 65, Cavin will point you to someone who specializes in Medicare rather than take the case.
Last reviewed October 6, 2026 by Cavin Rohr, licensed insurance broker — NPN 21388659.
Twenty minutes on the phone sorts it out faster than any website can.
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