Coverage
How much does it cost to work with Francy?
Typically nothing out of pocket — independent advisors are compensated by carriers. Francy confirms the details for your situation during your call.
Personalized Coverage
Coverage for the Self-Employed & Entrepreneurs
For freelancers, consultants, contractors, and independent professionals — a plan that comes with freedom and is built around your personal and professional needs.
FreelancersConsultantsContractorsIndependent professionalsEntrepreneurs
A real COBRA alternative
Independent PPO plans that often cost less and cover more than COBRA.
Why this matters
When you’re self-employed, your income — and your health coverage — is entirely up to you. That freedom shouldn’t mean going without.
Leaving an employer plan — or never having had one — is one of the most common reasons people go without coverage. COBRA is expensive, the Marketplace can feel like a maze, and it’s easy to put the decision off until it becomes urgent.
Francy works with self-employed people every day: business owners, consultants, freelancers, contractors, and independent professionals. She helps you find a plan that fits a variable income and gives you the freedom to work the way you want — without the anxiety of being unprotected.
What Francy Does
Personalized help, every step of the way
Built for 1099 income
Plans considered alongside the reality of variable, project-based income.
COBRA alternatives
Beyond expensive COBRA — private PPO options that often cost less and cover more.
Real PPO networks
Broad nationwide networks so you’re covered whether you work from home or travel.
Predictable costs
Premiums and out-of-pocket maximums weighed so your budget stays predictable.
Freedom to choose
You’re never locked into a plan that doesn’t fit how you live and work.
A long-term partner
Guidance that adapts as your business and family grow.
How It Works
A simple, honest process
01
Listen
We talk about your work, your income rhythm, and what coverage you actually need.
02
Compare
Private PPO and other options laid out side by side, in plain language.
03
Choose
Pick the plan that gives you freedom and protection — on your terms.
04
Stay covered
Year-round support as your business evolves.
Why people choose this path
Coverage that fits, not a template
PPO
Independent plans
Broader networks and real flexibility.
COBRA
A real alternative
Often better benefits at a fraction of the cost.
1099
Income-aware
Coverage that fits variable earnings.
Free
Guidance first
A conversation before any commitment.
More ways Francy can help
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Individuals & Families
Personalized guidance to help you and your family find coverage designed around your needs, priorities, and budget — not a one-size-fits-all policy.
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Small Business Owners
Running a small business means wearing a lot of hats. Whether you’re looking for yourself, your family, your employees, or a combination — get personalized guidance to compare plans and decide with confidence.
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