We help you sort it out, with clear guidance and no pressure.

Health Insurance That Fits Your Life.

The right health plan should cover your doctors, your prescriptions, and your budget, without surprises. We help you compare private and marketplace options side by side, then choose with confidence.

  • Premiums went up and you’re not sure why?
  • Your doctor is suddenly out of network?
  • Paying for coverage you barely use?

How Can We Help?

Quickly let us know how we can help.

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Who We Serve

Coverage That Moves With Your Life.

We specialize in helping people who don’t get insurance through an employer, freelancers, contractors, early retirees, small business owners, and families who simply want a better plan. Because we are independent, we compare many carriers and match you to coverage that fits how you actually live.

Your situation changes. A new job, a new baby, a move, a diagnosis. We review your plan as life shifts so you are never stuck paying for coverage that no longer matches your needs.

RJHP Family Enjoying Healthcare Safety

Who This Is For

Health Coverage Built Around Your Situation

Most people shop by what is happening in their life, not by product name. Find yourself below and we will take it from there.

Self-Employed and Freelancers

You cover your own premium, so every dollar matters. We find plans that protect you without overpaying.

1099 Contractors

No employer benefits and no HR department. We become the benefits desk you never had.

Early Retirees, 55 to 64

The gap years before other coverage begins are the most expensive. We help you bridge them affordably.

Families and Individuals

Different doctors, different needs, one budget. We build coverage around the whole household.

Small Business Owners

Cover yourself first, then explore group options for your team when you are ready.

Between Jobs or Losing Coverage

Left a job, aged off a parent’s plan, or COBRA is too costly? You likely qualify to enroll now.

Plan Types

Compare Your Health Insurance Options

There is no single best plan, only the best plan for your doctors, your prescriptions, and your budget. Here is how the main options actually differ.

The most flexibility available. See specialists without a referral, keep a broader network, and get partial coverage even when you go out of network. Premiums usually run higher, but so does your freedom to choose.

  • No referrals needed to see a specialist
  • Out-of-network care is partially covered
  • Typically the broadest doctor and hospital networks
  • Best if you travel often or want to keep specific doctors

A lower-premium private option. You get a defined network of doctors and hospitals with no referral requirements, but care outside that network generally is not covered except in an emergency.

  • Lower monthly premium than a comparable PPO
  • No referrals needed inside the network
  • In-network care only, except emergencies
  • Best if your current doctors are already in network

Marketplace plans are guaranteed issue, include the essential health benefits, and may come with premium tax credits that lower your monthly cost based on household income. Enrollment is limited to Open Enrollment unless you have a qualifying life event.

  • Premium tax credits may reduce what you pay
  • Coverage cannot be denied for pre-existing conditions
  • Includes the essential health benefits
  • Best if your income qualifies you for a subsidy

Temporary coverage that bridges a gap, between jobs, while waiting for a new plan to start, or waiting for Open Enrollment. It costs less, but it is not ACA-compliant and benefits are limited, so we only recommend it when it genuinely fits.

  • Lower cost for a short-term need
  • Can often start within days
  • Limited benefits and not ACA-compliant
  • Best as a bridge, not a long-term plan

What We Compare

We Look at the Details That Actually Cost You Money

A low premium is not a good plan if it leaves out your doctor or your prescription. Before we recommend anything, we check the things that quietly drive your real annual cost.

  • Whether your doctors and hospitals are in network
  • Whether your prescriptions are on the plan formulary
  • Deductible, copays, coinsurance, and your out-of-pocket maximum
  • Monthly premium against your realistic total annual cost
  • Referral rules and prior authorization requirements
  • Whether you qualify for a premium tax credit
RJHP Team meeting comparing Details

Simple Process

How It Works

Three steps, no cost, and no obligation at any point.

1. Tell Us About Your Situation

Your doctors, prescriptions, budget, and who needs coverage. A short conversation, no forms to wrestle with.

2. We Compare the Market

We shop private and marketplace plans across many carriers and narrow it down to the options that genuinely fit.

3. Enroll With Confidence

We walk you through enrollment and stay available all year for questions, renewals, and plan changes.

Woman in a meeting with trusting RJHP members

Independent, and on your side.

Why People Work With RJ Health Partners

We are not a call center and we are not tied to one carrier. You get a licensed broker who learns your situation, explains the trade-offs in plain language, and is still here when you have a question in March.

  • No cost to you, we are paid by the insurance carriers
  • Independent, so we compare many carriers instead of one
  • Licensed guidance, never a sales script
  • Support that continues long after you enroll

Common Questions

Health Insurance FAQs

No. We are paid a commission by the insurance carriers, not by you. Your premium is the same whether you enroll through us or go direct, so you get licensed guidance at no extra cost.

That is one of the first things we check. Before recommending a plan we verify whether your doctors and hospitals are in that plan’s network, so you are not surprised after you enroll.

We check each plan’s formulary against your actual medications. A plan with a lower premium can easily cost more overall if it puts your prescription in a higher tier or excludes it.

Marketplace plans generally require Open Enrollment unless you have a qualifying life event such as losing coverage, moving, marriage, or a new baby. Many private plans can be applied for year-round.

Marketplace plans may come with premium tax credits based on your income and cannot deny you for pre-existing conditions. Private plans often have broader networks and more plan designs. We compare both and show you the real numbers.

Yes. If you own a business and want to offer benefits, we handle group health and employee benefits as well. Start with our Business Solutions page or just ask.
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Get Started

Let’s find the plan that fits.

Tell us about your doctors, your prescriptions, and your budget. We will handle the comparison and bring you clear options, at no cost.

Talk to a licensed broker

(813) 923-3133

info@rjhealthpartners.com · Tampa Bay and across Florida