Independent health and life insurance broker serving FL, MI, NC, AZ, TX, GA, IN, and SC
Health and life insurance, without the runaround.
I’m one licensed broker, not a call center. Tell me what’s going on and I’ll look at what you have now.
Accepting new clients: FL • MI • NC • AZ • TX • GA • IN • SC
Zach Bradford
Independent broker · NPN 18181266
I've been licensed since November 2016 and with Best Insurance Group since September 2021.
- Health, life, and supplemental
- Personal follow-up
- No fee to you
Your quote. One broker.
One quote request shouldn't turn into weeks of sales calls. You'll work directly with me, not a list of agents who bought your information.
A confirmation goes out right away, then I follow up personally.
Secure & Confidential.
The subsidy cliff is in effect for 2027 coverage
The enhanced premium tax credits that ran from 2021 through 2025 expired on December 31, 2025, and Congress hasn’t passed a law bringing them back. Above 400 percent of the federal poverty line the credit now stops entirely, and below that line the share of income you’re expected to pay went up. Three numbers decide whether that reaches you.
Sources checked October 30, 2026.
- $132,000
Household income where the premium tax credit stops for a family of four buying 2027 coverage. That is four times the 2026 poverty guideline of $33,000, which is the guideline that counts on the first day of open enrollment.
- 10.22%
The share of household income you are expected to put toward the benchmark plan between 300 and 400 percent of the poverty line in 2027. Through 2025 the top of that table was 8.5 percent.
- Nov 1, 2026
Open enrollment for 2027 coverage opens. Pick a plan by December 15 and it starts January 1. The window closes January 15, 2027.
In effect. The January 15 close is under appeal in the Fourth Circuit, which set argument for October 30, 2026.
CMS statement on City of Columbus v. Kennedy, July 31, 2026
HealthCare.gov dates and deadlines
Fourth Circuit oral argument notification, No. 26-1938, August 27, 2026
One more change lands at tax time. The cap on paying back excess advance credits is gone, so starting with tax year 2026, filed in early 2027, you repay the whole difference at any income level if your income comes in higher than the estimate you gave at enrollment. Pub. L. 119-21, section 71305, approved July 4, 2025, effective for taxable years beginning after December 31, 2025.
Not sure whether this hits you?
Worth knowing now rather than at renewal. Book 30 minutes and we’ll go through your actual numbers — what you’re paying today, where your income lands, and what changes if it moves.
I'm the one who calls, at the time you pick. I don't sell your information or pass it to other agents.
You’ll be talking to me, not a call center.
What to expect from me.
I'm one licensed broker, and you'll deal with me start to finish. What I tell you on the phone is what you're reading here.
Staying put is an option
no is a real answer
If the plan you already have is the better one, I'll tell you so and you'll keep it. I'd rather say that than move you into something you didn't need.
I'll say it plainly
no jargon
Deductible, network, subsidy - I'll tell you what each one means for your money before I use the word again. If something doesn't land, say so and I'll put it another way. You should finish the call knowing what you're buying and why.
Health and life only
the whole list
That's what I'm licensed for, and it's all I sell. Ask me about your car or your house and I'll tell you straight that I'm not the right person for it. You can look up my license before you ever talk to me.
The carriers I can place your coverage with
11 carriers across health, life, and supplemental coverage, plus the 5 PPO networks the private health plans run on. A carrier pays your claim. A network decides which doctors are covered. They aren’t the same thing, so I don’t list them as though they were.
Blue Cross Blue Shield
ACA marketplace · enrollment help
UnitedHealthcare
ACA marketplace · enrollment help / Private health, medically underwritten · appointment not active
Philadelphia American Life
Private health, medically underwritten · appointed
MedMutual Protect
Private health, medically underwritten · appointed
SGIC
Private health, medically underwritten · appointed
Allstate Health Solutions
Private health, medically underwritten · appointed
Mutual of Omaha
Life · appointed
Illinois Mutual
Life · appointed
Americo
Life · appointed
Aflac
Supplemental · appointed
Combined Insurance Company of America
Supplemental · appointed
The PPO networks those private plans run on
These are provider networks, not carriers. They don’t underwrite anything and they don’t pay claims. They decide whether your doctor is in.
Check whether your doctor is in this networkFirst Health PPO
Used by Philadelphia American Life, MedMutual Protect, SGIC
Check whether your doctor is in this networkMultiPlan PPO (parent company: Claritev)
Used by SGIC
Check whether your doctor is in this networkAetna PPO
Used by Allstate Health Solutions
Check whether your doctor is in this networkCigna PPO
Used by Allstate Health Solutions
- Check whether your doctor is in this network
UnitedHealthcare PPO
Used by UnitedHealthcare
See if your doctor is covered
Check first · 5 PPO networks, each with a lookup
A plan is only as good as the doctors it covers. Each private health plan runs on a PPO network, the group of doctors and hospitals that plan has contracted with, and every one of those networks has its own provider search.
See the networks and check your doctor8 states
Where I'm licensed · FL • MI • NC • AZ • TX • GA • IN • SC
I can only advise you in a state where I hold a license. If your state isn't in that list, tell me and I'll say so rather than take the call.
The call is free
What it costs · 30 minutes, no obligation
I'll go through what you have now, what it covers, and how the other options compare. On a private plan the price depends on the insurance company's review of your health history. If you're better off where you are, I'll tell you that and leave it alone.
I’m appointed with the private health, life, and supplemental carriers above, except UnitedHealthcare’s private health plans, where my appointment isn’t active. Appointed means that company has contracted me to sell its plans. Marketplace plans work differently: there’s no appointment involved, so I help you enroll instead, through healthcare.gov or HealthSherpa, in FL, MI, NC, AZ, TX, IN, and SC; in Georgia, you enroll yourself at Georgia Access.
The checkable facts.
Everything below can be verified independently. On a licensed broker’s site that is the only kind of number worth showing you.
Producer Number
Search my name on NIPR and it should come back with this number. That link and TrustMyProducer are both in the footer.
Carriers
Health, life, and supplemental. Listed by line of coverage on the carriers page.
PPO Networks
The provider networks behind the private health plans - each one has a doctor lookup.
If you’re somewhere I’m not licensed yet, say so anyway — it tells me where to go next.
The other half of the conversation.
Most people call me about health coverage. Life insurance usually comes up second, and it is worth ten minutes of the call. Whether it makes sense for you depends on who relies on your income, what you can comfortably pay, and what your health lets you qualify for today.
- Term, whole life, and indexed universal life — I’m appointed with Mutual of Omaha, Illinois Mutual, and Americo
- What you’d pay depends on your age, your health, and how much coverage you want
- Health changes affect what you can qualify for later, so it’s worth knowing where you stand now
This is a budget conversation, not a formula.
How much coverage, and for how long, comes out of what you are protecting and what you can comfortably pay — not out of a calculator on a website.
Any figures for a specific policy come from the carrier’s own illustration, with its disclosures attached.
You deal with me.
Start to finish.
Here's what that actually means, so you know what you're getting into before you book anything.
No
call center.
You won't be handed off to someone reading from a script. You talk to me, and I'm the one who knows your name, your household, and what's actually on your policy.
You call me directly30minutes
We look at your coverage together.
On the call I'll pull up what you have now and go through your options with you, rather than leaving you to work through a PDF on your own. Ask me anything while we're on the phone.
$0No fee to you
You don't pay me.
The insurance company pays me a commission when you enroll. That's how I get paid. You don't pay me a fee.