Licensed Independent Broker · Serving Ohio
Stop Overpaying for Health Insurance. Get the Right Plan.
Philip Smith, a licensed independent broker, compares 22+ carriers to find your best fit — health, Medicare, or life. One free call. No pressure, no cost.
Independent · 22+ carriers$0 cost to youClients save $287/mo on average
Average reflects clients who switched plans; individual savings vary. Philip is paid by the carriers — never by you.
Available today
Philip Smith
Licensed Insurance Agent
NPN #22255420 · FL Lic. #G349232
22+
Carriers Compared
$0
Cost to You
AL·AZ·FL·GA·OH
Licensed States
5 Days
PPO Starts
Plans from carriers including
UnitedHealthcareAetnaHumanaFlorida BlueCignaMolina HealthcareWellcareAmbetterOscar HealthDevoted HealthSimply HealthcareAvMedUnitedHealthcareAetnaHumanaFlorida BlueCignaMolina HealthcareWellcareAmbetterOscar HealthDevoted HealthSimply HealthcareAvMed
What are you looking for?
Choose Your Coverage Type
Philip explains every option on your free call — no pressure, no commitment required.
★ Most Popular
Private PPO Health
Available year-round — no open enrollment required. See any doctor, no referrals needed.
- Starts in 5 business days
- No network restrictions
+2 more — Philip covers these on your free call
See PPO Plans →
ACA Marketplace
Government marketplace plans — you may qualify for subsidies that significantly reduce your premium.
- Check subsidy eligibility free
- Pre-existing conditions covered
+1 more — Philip covers these on your free call
Check ACA Subsidy →
Medicare Plans
Turning 65 or already on Medicare? Compare Advantage and Supplement plans with a licensed agent.
- Advantage & Supplement options
- Avoid late enrollment penalties
+1 more — Philip covers these on your free call
Compare Medicare Plans →
Life Insurance
Term, whole life, and final expense coverage to protect your family — from a carrier you can trust.
- Term, whole & final expense
- Instant quote comparison
+1 more — Philip covers these on your free call
Get Life Quote →
Not sure which fits you?
How the Plans Compare
Philip walks you through pricing and details on your free call. This table shows the key differences at a glance.
Feature
Private PPO
Best for most clients
ACA Marketplace
Medicare Plans
Enroll any time of year
Yes — any time
Open enrollment only
Age 65+ only
See any doctor
In-network only
Plan dependent
No referrals needed
Plan dependent
Coverage starts fast
5 business days
Next 1st of month
Enrollment period
Income subsidy available
Best for
Self-employed, 1099, healthy adults
Income qualifies for subsidy
Age 65+ or disability
Not sure which fits you? Philip tells you in 5 minutes — free.
Book Free CallPrivate PPO
Best for most — year-round enrollment, any doctor, 5-day start
Enroll any time of yearYes — any time
See any doctor
No referrals needed
Coverage starts fast5 business days
Income subsidy available
Best forSelf-employed, 1099, healthy adults
ACA Marketplace
Best if income qualifies for subsidies
Enroll any time of yearOpen enrollment only
See any doctorIn-network only
No referrals needed
Coverage starts fastNext 1st of month
Income subsidy available
Best forIncome qualifies for subsidy
Medicare Plans
For those 65+ or with qualifying disability
Enroll any time of yearAge 65+ only
See any doctorPlan dependent
No referrals neededPlan dependent
Coverage starts fastEnrollment period
Income subsidy available
Best forAge 65+ or disability
Licensed in Alabama, Arizona, Florida, Georgia, and Ohio
How I Work With You
Three commitments you can hold me to on the first call.
You get one agent, start to finish
You reach Philip Smith directly — not a rotating call center and not a lead network. The person who quotes you is the person who services the policy.
The recommendation comes before the commission
If the ACA Marketplace beats what I can sell you, I'll say so — even though it pays me less. You should hear the real answer, not the profitable one.
Your information is never sold
It is not shared with other agents or resold to a lead network. I reach out once, at the time you choose. If you pass, that is the end of it.
The average client result
$287/mo
saved per month after switching plans
“I was paying $480/month. Philip found me a better PPO plan for $142.”
See What You Could SaveSimple process
How It Works
Most clients go from first call to enrolled plan in under 24 hours.
01
You answer 7 quick questions
Your age, zip, budget, and what you need covered. Takes under 3 minutes online or on the phone.
02
You watch live quotes side by side
Philip shares his screen and pulls real-time rates from 22+ carriers. No estimates. No surprises.
03
You choose — zero pressure
Philip tells you exactly what he'd pick. You decide. PPO plans start in 5 business days.
Common Questions
Plain English answers — no insurance jargon.
A PPO lets you see any doctor without a referral, including out-of-network providers. An HMO requires you to choose a primary care physician and get referrals for specialists but typically has lower premiums. Most clients choose PPO for the flexibility.
Have another question? Book a free call
Ready to stop overpaying?
One free call with Philip. Compare 22+ carriers. Find your best plan. Most clients save $150–$400/month.
Free · No pressure · NPN #22255420 · FL Lic. #G349232 · Licensed insurance agent