Independent help for small businesses

Know what your health plan is really costing you.

Independent, licensed help for small businesses — whether you’re starting coverage, frustrated with your current plan, or paying more than you should through a PEO. Plain English, no pressure.

Where does your business stand today?

Not a business? Individual & family coverage

Start here

Three free tools to see where you stand


Business questions only — never anyone’s health information.

Scored assessment

2minutes

Benefits Scorecard

How your business buys benefits today, scored — with the one or two moves most likely to save you money, or the simplest way to start.

Take the scorecard

Quick calculator

3quick questions

Savings Estimator

Three quick questions about your group, about 30 seconds, and a rough picture of what you could be saving — including if you’re inside a PEO.

Open the estimator

Printable checklist

12questions to ask

Before You Renew

What to ask before you sign another renewal or PEO contract. Most owners can’t answer half of them — and that gap is usually where the money is.

Get the checklist

Why work with a broker

Expert help that costs you nothing extra. Insurance agents are paid by the carriers — not by you — so your rate is the same as buying direct, with a real person in your corner.

How I Can Help

Coverage for your team — and for you


Group plans for small businesses, and individual and family coverage when that’s what fits.

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Individual & Family Coverage

Learn how health insurance works and how to find the right plan for you and your family.

Learn more
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Group Health Insurance

Coverage that helps small businesses hire and keep great people — sized to fit your team.

See group coverage
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About My Commitment to You

You get me — start to finish.


Health decisions are personal, and often overwhelming. My commitment is simple: to sit with you, explain your options in plain language, and help you choose coverage with confidence — then stay in your corner long after the paperwork is done.

What clients say

“Phil walked us both through all the crazy decisions we had to make as a self employed company.”

— J. Rice

“I highly recommend Phil if you need assistance signing up for health insurance and finding the best and most affordable coverage for your needs.”

— J. Mogollon

Let’s talk

Send me your renewal. I’ll give you a second opinion.

Send your renewal or PEO invoice, get a plain-English breakdown of what you’re paying and what you could save — in two business days. Free, no obligation. Or just call.

Get my free second-opinion review
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