I'm Ryan. Health is my front door.
I own Kucks Health LLC out of Pinellas Park, Florida, and I'm licensed in 28 states. Self-employed people, 1099 contractors and small business owners. That's all I do.
I've seen every way these cases go.
I've worked hundreds of self-employed health cases, including the ones that get declined, partially declined, or just don't qualify. That's why I do this the way I do: real comparison first, straight answer second, and if the marketplace beats me, I tell you that.
I'm independent and not captive to any one carrier, which means when I compare options for you, the comparison is real.
The thing nobody in my industry likes to explain.
When I help you enroll, the carrier pays me a commission. You don't pay me a fee. Your premium is the same number it would be if you'd enrolled straight through the carrier without me.
So the honest question is what the catch is. The catch is that some agents chase whichever product pays the most, and you can't tell from the outside. The only defense you have is an advisor who will show you the comparison, tell you when the answer is "keep what you have," and put reasons behind every recommendation.
I can't prove that's me in a paragraph. I can tell you my clients' renewals are where the truth shows up, and mine keep renewing. Ask any agent how they're paid. The reaction tells you a lot.
The short version.
- Major medical health plans, including $0 deductible options on the Cigna network
- ACA marketplace enrollment when the subsidy math wins, and I'll check it for you
- Term life with living benefits, and permanent coverage where it genuinely fits
- Budget and supplemental products, always labeled as exactly what they are
- Licensed in 28 states, so where you live usually isn't the obstacle
Send me the people you care about.
My whole business runs on clients handing me one name: the brother-in-law who went 1099, the friend paying too much since the subsidies changed. If somebody came to mind while you read this page, that's the person.
How referrals work Text me a name right now