Insurance Solutions for Independent Contractors
Independent contractors often don’t have employer benefits or predictable income. RJ Health Partners helps you compare health, life, and supplemental coverage in plain English, with ongoing support after enrollment.
Independent broker. Multiple carriers. No obligation.
You sell certainty. Your coverage should feel certain too.
Indpendent Contractors juggle variable income, client demands, and family responsibilities. Without employer benefits, it is easy to overpay, pick the wrong plan, or leave gaps that become expensive later. We help you build coverage that matches how you actually work.
I am paying too much and still feel unsure
We explain what you are paying for and show lower-cost or better-value options when they exist.
My plan changed and now my doctor is out of network
We help you choose plans based on the provider network and confirm what matters before you enroll.
One injury could pause my income
We can add disability and accident coverage options that help protect you if you cannot show homes or work leads.
I am healthy, so I keep putting this off
We help you pick a practical baseline plan and show simple add-ons that protect you from big financial hits.
I want to protect my family, but I do not know where to start
We can build a simple setup that includes health coverage plus life insurance options for long-term protection.
What we do for independent contractors
RJ Health Partners makes insurance simple and supports you beyond enrollment, so you are not on your own when something changes.
Clear plan comparisons
We break down premium, deductible, network, and out-of-pocket costs so you can choose confidently.
Options across multiple carriers
We shop multiple providers so you can compare value, not just one company’s offer.
Recommendations that match realtor life
We help you balance cost and protection even when income is inconsistent month to month.
Support after you enroll
We stay available for claims questions, coverage changes, and life events like marriage, a move, or a new child.
Coverage options built for independent contractors
For independent contractors and families
Health insurance plans matched to your budget and doctors
We help you find a plan that fits your monthly budget and includes the providers you actually use.
We help you find a plan that fits your monthly budget and includes the providers you actually use.
Dental and vision options
Add coverage for routine care that helps you manage ongoing costs.
Add coverage for routine care that helps you manage ongoing costs.
Disability coverage (short-term or long-term)
Income protection options for times you cannot work due to illness or injury.
Income protection options for times you cannot work due to illness or injury.
Accident coverage
Extra protection for unexpected injuries that can lead to urgent care, imaging, or hospital bills.
Extra protection for unexpected injuries that can lead to urgent care, imaging, or hospital bills.
Critical illness coverage
Helps with major medical events by providing added financial support when costs spike.
Helps with major medical events by providing added financial support when costs spike.
Life insurance options
Term and other options to protect your family and financial responsibilities.
Term and other options to protect your family and financial responsibilities.
For small teams and businesses
Group health benefits (fully insured and level-funded options)
Offer benefits that support recruiting and retention, with plan designs that match your budget and team size.
Offer benefits that support recruiting and retention, with plan designs that match your budget and team size.
Dental and vision
Low-friction benefits that employees value and are easy to add to a package.
Low-friction benefits that employees value and are easy to add to a package.
Group life insurance
A foundational benefit that supports retention and adds real protection for employees’ families.
A foundational benefit that supports retention and adds real protection for employees’ families.
Telehealth and EAP options
Convenient access to care and mental health resources, often with simple employee onboarding.
Convenient access to care and mental health resources, often with simple employee onboarding.
Enrollment and renewal support
Help launching benefits, educating employees, and navigating renewal decisions each year.
Help launching benefits, educating employees, and navigating renewal decisions each year.
Group Accident and Disability Insurance
Group Accident & Disability Insurance
Protects employees beyond health insurance
Accident coverage pays cash benefits for unexpected injuries
Disability coverage helps replace income during illness or injury
Supports financial stability when employees can't work
Can be offered as employer-paid or voluntary
A practical benefit for small businesses and professional offices
How It Works
Independent Contractors juggle variable income, client demands, and family responsibilities. Without employer benefits, it is easy to overpay, pick the wrong plan, or leave gaps that become expensive later. We help you build coverage that matches how you actually work.
Quick intake
Tell us your budget, doctors, prescriptions, and what you want to protect.
We compare and simplify
We shop plans and present 2 to 3 best-fit options with clear trade-offs.
Enroll and get support
We help you enroll and we stay available for questions, claims issues, and plan changes.
Start My Free Coverage Review
Popular starting point: Starter Protection Bundle
If you are not sure where to begin, many independent contractors start with a simple setup that balances cost and protection.
A right-sized health plan
A plan chosen for your doctors, prescriptions, and budget, not just the lowest premium.
A plan chosen for your doctors, prescriptions, and budget, not just the lowest premium.
Accident or critical illness coverage
Helps reduce financial shock from unexpected events and high out-of-pocket costs.
Helps reduce financial shock from unexpected events and high out-of-pocket costs.
Disability coverage to help protect income
Coverage designed to help you stay financially stable if you cannot work.
Coverage designed to help you stay financially stable if you cannot work.
Term life insurance for family protection
Simple, affordable protection that can cover major obligations and support loved ones.
Simple, affordable protection that can cover major obligations and support loved ones.
We tailor the bundle to your needs. No pressure.
Why independent contractors choose RJ Health Partners
Independent broker guidance
We focus on best fit and value because we are not tied to one carrier.
Fast, practical recommendations for busy schedules
We keep it simple and present a short list of best options instead of overwhelming you.
We explain trade-offs in plain English
We help you understand premium, deductible, network, and out-of-pocket exposure before you decide.
Support beyond enrollment
When you have questions later, you can still reach out and get help.
Help when the system gets messy
Ask about patient advocacy support for claims help, billing questions, and appeals so you are not stuck handling paperwork alone.
Request Health Insurance Quote
Frequently Asked Questions
01
Is this only for people with a team?
No. We help independent contractors, individuals, families, and small teams.
02
Does the coverage review cost anything?
No. The review is free and there is no obligation.
03
Can you help if my income changes month to month?
Yes. We recommend options that balance budget and protection for variable income.
04
Can you help my small business offer benefits without a big admin burden?
Many independent contractors add protection for income interruptions and major events. We help you understand what matters and what does not.
05
Can you help my brokerage offer benefits without a big admin burden?
Yes. We help choose options, set up enrollment, and support renewals.
We Partner with Trusted Carriers
What Our Clients Say
Read More Client Stories
RJ radiates positivity and embodies true professionalism with genuine heart. She consistently goes above and beyond for her clients, offering exceptional support and insight. Always ready to lend a hand, she’s an invaluable asset and a pleasure to work with.
Mike
RJ really cares about her clients! It’s obvious to me that she loves helping people. She is so patient and thorough. She really wants to help you protect yourself from crazy medical bills. She is constantly learning about new products and applying that wisdom to help others.
Alex
Rossaue is a pleasure to work with. She is professional and efficient. As an independent agency owner, I have no hesitations referring my customers to her offices.
Renee
RJ has such great energy and is the epitome of professionalism with heart! She goes over and beyond for her customers and is a fantastic resource who’s always willing to help.
Stacy
Ready for coverage that fits how you work?
Get a clear comparison and a recommendation built for the self-employed.
Get My Free Coverage Review
Talk to a Benefits Specialist
Takes about 10 minutes to start. No pressure.
