Health Coverage Built For Independent Americans
Corporate employees have human resource teams to negotiate benefits. Who looks out for you? Riley Knight has spent 40 years leveling the playing field for self-employed entrepreneurs, independent contractors, small employers, seniors, and anyone without coverage.
Self-Employed & Freelancers
Affordable, customized coverage without paying exorbitant group rates or being locked out
Common Frustrations You Might Be Facing:
- ✕Marketplace premiums with no subsidies feel overwhelmingly expensive
- ✕Restrictive HMO networks prevent you from keeping your preferred physicians
- ✕Income fluctuations make rigid annual contracts stressful
How Riley Knight Solves This For You:
- Access to private PPO plans with lower monthly premiums for healthy professionals
- Freedom to see any doctor in nationwide provider networks
- Tax-deductible health insurance premium strategies for sole proprietors
"Riley saved me $480 every month on my health insurance while upgrading my network to a full PPO so I can see my specialist."
Recommended Protection Strategy
We perform a complete needs assessment looking at your estimated yearly income, tax status, existing doctor relationships, and recurring prescriptions.
1099 Independent Contractors
Rideshare drivers, real estate agents, consultants, creatives, and independent trades
Common Frustrations You Might Be Facing:
- ✕Zero employer-provided benefits or sick leave
- ✕Risk of a sudden injury putting your income at a total standstill
- ✕Confusing healthcare terminology and endless telemarketer spam
How Riley Knight Solves This For You:
- One direct phone call with Riley Knight — zero spam, honest clarity
- Accident & disability supplemental riders that protect your weekly paycheck
- Flexible deductible options calibrated to your real budget
"As a real estate agent, finding good insurance was a nightmare until I called Riley. Honest, direct, and zero pressure."
Recommended Protection Strategy
We perform a complete needs assessment looking at your estimated yearly income, tax status, existing doctor relationships, and recurring prescriptions.
Small Business Owners & Micro-Teams
Retain key employees and protect yourself without massive group overhead
Common Frustrations You Might Be Facing:
- ✕Group health insurance quotes from traditional carriers are astronomical
- ✕Administrative overhead of managing group enrollment drains your focus
- ✕Need reliable coverage for 1 to 20 employees and their families
How Riley Knight Solves This For You:
- Individual coverage health reimbursement arrangements (ICHRA) guidance
- Bundled small group options or individual private plan stipends
- Personalized white-glove onboarding directly handled by Riley Knight
"Riley helped our 6-person boutique firm find an incredible private solution that saved our business over $28,000 this year."
Recommended Protection Strategy
We perform a complete needs assessment looking at your estimated yearly income, tax status, existing doctor relationships, and recurring prescriptions.
Retirees & Those Aging into Medicare
Navigate the confusing Medicare alphabet (Part A, B, C, D, Medigap) with 40 years of expertise
Common Frustrations You Might Be Facing:
- ✕Overwhelmed by mountains of confusing Medicare flyers and TV commercials
- ✕Fear of enrolling in the wrong plan and facing surprise out-of-pocket bills
- ✕Understanding strict enrollment windows to avoid permanent lifetime penalties
How Riley Knight Solves This For You:
- Personalized breakdown comparing Medicare Advantage vs. Medicare Supplement (Medigap)
- Unbiased carrier comparisons to find the lowest premium for your zip code
- Lifelong support whenever claims, drug formulary changes, or questions arise
"Riley walked my wife and me through Medicare step-by-step. He made something terrifying feel simple and reassuring."
Recommended Protection Strategy
We perform a complete needs assessment looking at your estimated yearly income, tax status, existing doctor relationships, and recurring prescriptions.
Uninsured Individuals Needing Affordable Coverage
We believe everyone deserves the peace of mind of quality, budget-friendly protection
Common Frustrations You Might Be Facing:
- ✕Believing good health insurance is strictly out of financial reach
- ✕Going without care or delaying critical screenings out of fear of big bills
- ✕Sudden loss of job coverage, COBRA expiring, or divorce
How Riley Knight Solves This For You:
- Discovery of high-value private plans designed specifically to fit tight budgets
- Catastrophic and high-deductible health plans with doctor-visit copays
- Transparent fee-free guidance — Riley's services are always 100% free to you
"I was uninsured for two years terrified of getting sick. Riley found me a plan I could actually afford within 30 minutes."
Recommended Protection Strategy
We perform a complete needs assessment looking at your estimated yearly income, tax status, existing doctor relationships, and recurring prescriptions.
Helping the Uninsured Find Dignity and Real Protection
Nobody should have to live in fear that a trip to urgent care or an unexpected diagnosis will wipe out their family's savings. Even if you think insurance is out of your budget, let Riley take 15 minutes to show you realistic options.