Essential
Lower premiumsLowest premiums, higher costs when you get care
- Free preventive care
- Protection from major medical costs
- Often HSA-eligible
- Good for healthy, low-use years
Health insurance for 1099 business owners & small businesses
Your health, our priority.
Self-employed, running a small business, or just paying too much? Vanam Health compares plans across carriers to find coverage that fits your doctors, your prescriptions and your budget. Expert guidance, at no cost to you.
- Low-deductible options
- Nationwide PPO networks
- Prescription coverage
- Enroll any time of year
3,000+People helped
4.7/5Average client rating
$0Cost for our guidance
Year-roundSupport after you enroll
Who we help
Built for the self-employed, open to everyone
Most of my clients work for themselves. If you're paying too much for health insurance, I can help you too.
1099 business owners
Freelancers, contractors, realtors and sole proprietors who need their own coverage without an employer plan behind them.
Small businesses
Owners who want solid health benefits for themselves and their team, with help handling enrollment.
Anyone overpaying
Individuals and families whose rates went up. I'll compare your current plan against what's available now.
Why it matters
Why health insurance is essential
The right plan protects your savings and makes it easier to get care when you need it.
Financial protection
Avoid surprise bills. An out-of-pocket maximum caps what you pay in a year for covered care.
Quality care access
See trusted doctors, specialists and hospitals in strong provider networks.
Preventive services
Most plans cover annual checkups, screenings and vaccines at no extra cost.
Prescription coverage
We check that your medications are on the plan's drug list before you enroll.
Family coverage
Cover your spouse and children on one plan, including pediatric dental and vision.
Help when you need it
Questions about a bill or a claim? You have a broker to call, not a phone tree.
Compare plans
Choose the right level of coverage
Three levels of coverage. Lower tiers keep monthly premiums down; higher tiers cover more of your costs when you get care.
Balanced
Balanced costModerate premiums and moderate costs when you get care
- Everything in Tier 1
- Lower deductibles and copays
- Broader doctor & specialist access
- Good for regular doctor visits
Comprehensive
Fullest coverageHigher premiums, lowest costs when you get care
- Everything in Tier 2
- Low deductibles
- Predictable copays for specialists
- Good for ongoing care or prescriptions
Premiums depend on your age, ZIP code, household and subsidy eligibility. Book a call for exact pricing. We also help with private PPO and small-business group plans.
Steven VanamFounder & CEO · Licensed Health Advisor
About Vanam Health
An independent broker who works for you
I've helped more than 3,000 people find better coverage. I started Vanam Health because choosing health insurance shouldn't mean decoding fine print on your own.
Most of my clients are 1099 business owners and small businesses, but I help anyone who's paying too much. I'm not tied to a single insurance company. I listen to what matters most to you, whether that's keeping your doctor, covering a regular prescription or keeping premiums in check, then lay out your best options side by side and help you enroll. After that, I'm still your point of contact for claims questions, life changes and renewals.
- Plans from multiple carriers
- No fee for our service
- Plain-English explanations
- Support all year long
Client reviews
What our clients say
Rated 4.7 out of 5 by the people I've helped.
“After my health insurance rates went up significantly, a coworker referred me to Steven. He took the time to explain my options, helped me find better coverage at a lower rate, and made the whole process easy. He really makes you feel like you're talking to a friend rather than an insurance broker.”
“Health insurance has always intimidated me, so I kept putting it off. I came in with a long list of questions, some of them pretty basic, and he never made me feel rushed or silly for asking. He explained how each plan would actually work for me, not just what it cost each month. I appreciated that he was honest about the pros and cons instead of pushing one option.”
“Steven made shopping for health insurance easy. He explained my options in plain English, made sure my doctors were covered, and saved me about $250 a month. If you need a health insurance broker, I'd call them first.”
“Steven was incredibly responsive and walked my partner and me through the different health plan options, which can be overwhelming. He was patient, highly knowledgeable, and explained everything in a way that felt human and easy to understand.”
“My husband and I needed someone who could explain healthcare from the ground up as we transitioned from parents' insurance, and he did just that. I especially appreciated his prompt communication and thorough explanations. He made it easy to understand our options, and did his research before setting up phone conferences.”
“I was looking for a plan that would take care of me and my family. Steven was very kind, extremely knowledgeable of the products and guided me in the right direction. He explained the benefits of each plan which made it easy to choose. Even to this day if I have a question he still responds.”
FAQ
Common questions
Don't see yours? Book a call and ask directly.
Does it cost anything to work with a broker?
No. Brokers are paid by the insurance company you choose. Premiums are generally the same whether you enroll through a broker or directly, so you get personal guidance at no extra cost.
Can I keep my current doctor?
Often, yes. Before recommending a plan, I check which plans include your doctors, specialists and preferred hospitals in their networks.
When can I sign up for coverage?
With a private PPO plan, you can sign up any time of year. There's no need to wait for Open Enrollment. Marketplace plans have an annual Open Enrollment period, and a qualifying life event like losing other coverage, moving, marriage or having a baby can open a Special Enrollment Period. I'll help you figure out which route fits you.
Do you work with small businesses?
Yes. I help employers compare group health plans and options like ICHRA, then support employees through enrollment.
Ready for better healthcare?
Book a free, no-pressure consultation and get a personalized quote.
- Free quote, no obligation
- Plans compared across carriers
- Enrollment help from start to finish
Get your free quote
Book on Calendly → Prefer to call or email? Reach Steven directly:(518) 545-6606Callvanamhealth@gmail.com