Independent Health Insurance Advisor
Health Insurance Should Be Easier to Understand.
Independent health insurance guidance for individuals, families, self-employed professionals, 1099 contractors, and small-business owners — helping you understand your options before you make a decision.
No-pressure conversation. No obligation to enroll.
Why It Matters
Health Insurance Is More Than a Monthly Premium.
It is easy to compare health insurance by looking at one number: the monthly premium.
But the premium is only one part of the picture.
Deductibles, copays, out-of-pocket exposure, provider networks, prescriptions, benefits, eligibility, and how the coverage actually works when you need it can all matter.
That is why I believe the first step should be understanding your situation — not simply choosing a plan.
My Approach
We Don't Start With a Plan. We Start With You.
Before discussing specific coverage, I take the time to understand what you are trying to accomplish, what you have today, what you like or dislike about your current coverage, and what matters most to you. From there, we can look at the options that may be available and walk through how they actually work.
Understand
Your situation, current coverage, priorities, budget, and concerns.
Compare
Look at the available options and the important differences — not just the monthly premium.
Decide
You make the decision after you understand what you are considering.
Who I Help
Individuals & Families
For people looking for individual or family health coverage outside of an employer plan.
Self-Employed Professionals
For business owners and independent professionals who are responsible for finding their own coverage.
1099 Contractors
For independent contractors who don't have traditional employer-sponsored health insurance.
Small-Business Owners
For owners exploring health coverage options for themselves and/or their employees.
Losing Employer Coverage
For people approaching retirement, leaving a job, changing employment, or otherwise losing employer-sponsored coverage.
Coverage Options
There Isn't One Health Insurance Solution for Everyone.
Depending on your circumstances, you may have different types of coverage available to you. For some people, Marketplace coverage may make the most sense. For others who meet applicable requirements, private health insurance may be another option worth exploring. The important thing is understanding the differences before making a decision.
ACA / Marketplace Coverage
- Coverage is available without medical underwriting
- Financial assistance may be available for eligible households
- Premiums and eligibility can be affected by household income
- Plan networks and cost-sharing vary
- Coverage is regulated under federal Marketplace rules
Private Health Coverage
- Medical underwriting may apply
- Not everyone will qualify
- Different plan designs and networks may be available
- Pricing and eligibility work differently than Marketplace coverage
- Plan benefits, exclusions, limitations, and eligibility requirements need to be reviewed carefully
The right question isn't "Which plan is cheapest?" It's "Which options are available to me, and how do they actually work?"
Why Kaess Health Advisors
A More Personal Approach to Health Insurance.
Independent Guidance
Help understanding different coverage options rather than simply being directed toward one solution.
Personal Attention
Work directly with Matthew Kaess instead of being passed between departments or automated systems.
Clear Explanations
Complex insurance terminology should be explained in straightforward language.
Support Beyond the Application
The relationship shouldn't end simply because a policy has been submitted.
About Matthew
Meet Matthew Kaess
President & Owner | Independent Licensed Health Insurance Advisor
Health insurance can be confusing, especially when you are trying to compare premiums, deductibles, networks, benefits, and eligibility all at the same time.
My approach is simple: slow the process down, understand your situation, explain the options clearly, and help you make a decision you are comfortable with.
I work with individuals, families, self-employed professionals, 1099 contractors, and small-business owners who want someone they can actually talk to throughout the process.
I believe good health insurance guidance starts with listening — not selling.
What Clients Can Expect
Clear explanations of coverage options and how they work
A personalized review of their situation
Side-by-side comparison of important coverage differences
No-pressure conversations
Help understanding the application and enrollment process
A real person available to answer questions
Free Consultation
Let's Start With Your Situation.
Tell me a little about what you're looking for and I'll follow up to discuss your options.
Ready to Understand Your Options?
A coverage review is free, low-pressure, and takes about 30 minutes. You'll leave with a clearer picture of what's available — whether you decide to make a change or not.
Or call Matthew directly: 813.458.7286