Independent Broker · Licensed in 31 States

Health coverage,
handled with care.

Real plans, plain answers, and a broker who actually picks up the phone. I help self‑employed individuals and families across the country find coverage that fits their life — and their budget.

Portrait of Zachary Hyman, licensed health insurance broker
Your Broker
Zachary Hyman
Licensed Health Insurance Broker
Self‑Employed Families 1099 Contractors Small Business Owners Between Jobs Early Retirees Self‑Employed Families 1099 Contractors Small Business Owners Between Jobs Early Retirees

No pressure.
No jargon. Just answers.

Health insurance shouldn't feel like a maze. Most people walk in confused about deductibles, networks, and what's actually covered — and walk out with a policy they don't understand.

"My job isn't to sell you a plan. It's to help you understand what you're buying — and why."

I work for you, not for one insurance carrier. That means I can shop the whole market, compare apples to apples, and recommend the plan that genuinely fits — whether it's an ACA plan, a private option, or something built specifically for self‑employed earners.

Coverage that fits
the way you actually live.

01

Individual & Family Plans

ACA marketplace plans, private health plans, and short‑term coverage. Built around your doctors, your budget, and your prescriptions.

02

Self‑Employed Coverage

Specialized plans for 1099 earners, freelancers, and small business owners. Tax‑efficient options that work with how you actually earn.

03

Dental, Vision & Supplemental

Round out your coverage with dental, vision, accident, and critical illness plans — added affordably alongside your major medical.

04

Medicare Guidance

Turning 65 or already on Medicare? I'll walk you through Advantage, Supplement, and Part D so the right pieces fit together.

05

Life Insurance

Term and whole life options designed around your family's needs — not a generic worksheet. Quoted across multiple carriers.

06

Between‑Jobs Coverage

Lost employer coverage? Don't go uninsured or overpay for COBRA. I'll get you covered fast — often same day.

Four steps. No surprises.

I

Quick Call

A 15‑minute conversation about your situation, doctors, and budget. No pitch — just listening.

II

Plan Comparison

I shop the full market and bring back two or three real options, side by side, in plain English.

III

Enroll Together

We walk through the paperwork on a screen share. You see every form, every number, every detail.

IV

Ongoing Support

Questions on a claim or a doctor visit? Same broker, same number. I'm your point of contact for the long haul.

A national broker with a personal touch.

31states & counting
AL
AR
CO
DE
FL
GA
IA
IL
IN
KS
KY
LA
MD
MI
MO
MS
MT
NC
NE
NV
OH
OK
SC
SD
TN
TX
UT
VA
WI
WV
WY
"
Zach actually explained things to me. I came in confused after a layoff and walked away with a plan I understood and a deductible I could afford. He picks up when I call.
Marcus R. · Denver, CO

Coverage starts with a conversation.

Pick up the phone, send an email, or book a 15‑minute consultation. No obligation, no pressure — just a clear next step.