Jack Thomas · Health Insurance
Scottsdale, AZ Licensed Producer

Health insurance
for self-employed Arizonans.

Independent. Licensed. Straightforward. A 15-minute call to figure out what coverage actually fits your life.

Schedule a call
Who you'll speak with
Jack Thomas
Arizona-licensed independent insurance producer · License #22137766 · FFM-certified for Health Insurance Marketplace enrollment · Appointed with carriers serving self-employed Arizonans.
The problem

Health insurance for self-employed people is a mess.

You don't have an HR department. You don't get a benefits packet in the mail. When you shop on your own, premiums jumped this year, subsidies shrank for anyone earning a real income, and every plan looks the same on paper until you actually need to use it.

Most agents want to push one product. Most online tools want to push you through a funnel. Neither is the same as someone actually sitting down with you and figuring out what makes sense.

That's what I do. Fifteen minutes on the phone, honest answers, no scripts.

The service

One 15-minute call. Real answers.

Not a pitch. Not a webinar. A working conversation to understand your situation and map out what coverage actually fits, and what it'll cost.

01 / Intake

Your situation

Age, family, income, what you earn from self-employment, how often you actually use healthcare. Five minutes.

02 / Analysis

Your options

I walk you through what's available to you: Marketplace plans, subsidy eligibility, non-Marketplace alternatives, and what each actually costs in your situation.

03 / Decision

Your call

You leave with a clear recommendation, the math behind it, and no pressure to decide on the call. If I'm not the right fit, I'll tell you.

Who I help

Built for self-employed Arizonans.

I work best with people running their own thing, and I'll be honest when I'm not the right fit.

This is a fit

  • Self-employed, 1099, freelance, or small business owner
  • Arizona resident
  • Paying for your own health coverage (or considering it)
  • Want to understand your real options without a sales pitch
  • Ages 25 to 64 (Medicare is a different world)

Probably not a fit

  • Eligible for Medicare (65+), I'll refer you to a specialist
  • Have employer group coverage that works for you
  • Qualify for AHCCCS (Arizona Medicaid)
The process

From booked to covered.

Three steps. No surprises.

I.

Book 15 minutes

Pick a time that works. Call comes to you at the number you provide. No forms to fill out before we talk.

II.

The conversation

We cover your situation, your options, and what each option would cost you. You ask questions. I give straight answers.

III.

Your decision

If there's a clear fit, I'll walk you through enrollment. If not, I'll tell you. Either way, you leave the call with a plan.

Book the call

Grab 15 minutes.

Pick a time that works for you. I'll call you at the number you provide when you book.

Schedule directly

Open my calendar and pick a slot. You'll get a confirmation email and a reminder before the call.

Open calendar
Questions

Good questions, answered plainly.

Is this free? How do you get paid?
The consultation is free. If you enroll in a plan through me, the insurance carrier pays me a commission, the same whether you enroll through me or directly through HealthCare.gov. You pay the same premium either way.
What if I just have questions and I'm not ready to buy?
That's fine. Most people I talk to aren't ready to make a decision on the first call. I'd rather you understand your options and come back later than push you into something you don't want.
Can you enroll me in an ACA Marketplace plan?
Yes. I'm FFM-certified, which means I can help you enroll in Marketplace plans on HealthCare.gov. Outside of the annual Open Enrollment window (November 1 to January 15), you'll need a qualifying life event like losing other coverage, moving, getting married, or having a child. I can walk you through whether you qualify.
What if the Marketplace isn't the right option for me?
I also work with non-Marketplace coverage options that may be a better fit for certain situations, typically people who don't qualify for meaningful subsidies and rarely use healthcare. We'll look at the math on both sides before you decide.
Why should I talk to you instead of a big call center or HealthCare.gov directly?
HealthCare.gov is a good tool if you know exactly what you're looking for. Call centers are paid to move you through a script. I work with one person at a time, I don't have a quota, and I'll tell you when a product isn't right for you. That's the whole difference.
What happens if I don't qualify for coverage through you?
I'll point you somewhere honest, whether that's AHCCCS (Arizona Medicaid), a Medicare broker, a group-plan specialist, or HealthCare.gov directly. My job is to get you covered, not to force a square peg into a round hole.
How long does the call take?
Fifteen to twenty minutes for the first conversation. If we move toward enrollment, the follow-up to actually complete a plan takes another 20 to 30 minutes, usually on a separate call once you've had time to think.
Jack Thomas, Arizona-licensed insurance producer, Scottsdale
About your agent

Jack Thomas

I help self-employed people figure out health and accident coverage that actually fits their life.

If you're self-employed, realtor, tradesperson, freelancer, or running your own thing, the options are a mess and it can get confusing fast. My job is to get you the best fit for your situation. I'll walk you through what you need, what you don't, and what it actually costs.

Based in Scottsdale. Happy to talk whether you're ready to buy or just trying to figure out what you actually need.

AZ License #22137766
FFM Certified · Appointed Producer
Based in Scottsdale, AZ