VS Health Benefits is a licensed independent brokerage serving clients in 40+ states. We help individuals, families, self-employed and 1099 workers, and small businesses compare PPO, ACA, and group plans, and find coverage from $0/mo after credits. We work for you, not the carriers.
From group health insurance for small businesses to ACA marketplace plans, PPO coverage, truck driver insurance, 1099 worker health plans, health insurance for real estate agents, and dental and vision insurance, we help you compare the right options without the sales pitch.
Affordable group plans for trades, home services, dental practices, salons, and small offices. We handle implementation and renewals.
Small business health insurance →
Tailored plans for very small teams that don't fit traditional group thresholds. Real options with real coverage.
2-9 Employees
Marketplace plans with subsidy review. We make sure you're not leaving credits on the table or paying for the wrong tier.
Individuals
Coverage that works for kids, partners, and parents. We compare network depth, deductibles, and out-of-pocket caps side-by-side.
Family health insurance →
Standalone or bundled dental and vision options to round out your benefits package or fill personal gaps.
Dental and vision insurance →
Eligibility review and enrollment help. If Medicaid is your best path, we'll tell you straight and walk you through it.
Public ProgramsNov 1, 2026 is your next chance to lock in individual or family ACA coverage. Get your documents ready.
15-min call to understand your team, family, budget, and any current pain points.
We pull side-by-side quotes from the carriers that actually fit, not whoever pays the highest commission.
We handle paperwork, ID cards, and onboarding so you don't lose a day to it.
Year-round claim help, renewals, and adds/drops -- all included, no surprise fees.
Already a VS Health Benefits client? Create a free member account to message your advisor, refer friends and family for a thank-you payout, and view your profile.
VS Health Benefits clients can earn a referral payout for every person they refer who enrolls. It's our way of saying thank you for spreading the word.
You must be an active VS Health Benefits client with a free member portal account to participate. Sign up or log in to get started.
Step oneOnce logged in, head to your refer tab and insert your friends, family, or colleagues information who may need coverage.
Step twoWhen your referred contact enrolls in a plan through VS Health Benefits, you receive a thank-you payout. No limits on how many people you can refer.
Step threeReferral payouts are available exclusively to active VS Health Benefits clients with a registered member portal account. You must be enrolled in a plan through us before referring others. Not a client yet? Get a quote first then refer away.
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The best plan depends on whether you need individual, family, or group coverage, and whether you qualify for ACA subsidies. For self-employed workers and 1099 contractors, ACA plans with premium tax credits often offer the best value. For truck drivers and frequent travelers, a PPO with a national network is usually the right call. VS Health Benefits compares all options for free and verifies your specific doctors are in-network before you enroll.
Health insurance costs vary by age, income, state, plan type, and whether you qualify for ACA subsidies. A single adult who qualifies for premium tax credits may pay $0 to $150 per month. Without subsidies, individual plans typically range from $300 to $600 per month depending on the state and carrier. Small business group plans typically cost $300 to $600 per employee per month before employer contributions. We run exact quotes for your situation at no cost.
Yes. Self-employed workers, 1099 contractors, freelancers, owner-operators, and gig workers can all get health insurance through the ACA marketplace or private plans. Many qualify for significant premium tax credits based on their net income. Self-employed individuals may also deduct 100% of health insurance premiums from their taxable income. VS Health Benefits specializes in coverage for self-employed individuals nationwide.
ACA open enrollment 2027 opens November 1, 2026 and closes January 15, 2027. To have coverage begin January 1, 2027, you must enroll by December 15, 2026. Most states use the federal marketplace at Healthcare.gov, while a handful run their own state exchange -- we handle enrollment either way. See our full guide to when open enrollment for health insurance 2027 starts, including every deadline. VS Health Benefits can help you enroll and make sure you are getting every subsidy you qualify for.
No. VS Health Benefits is a licensed independent brokerage paid by the insurance carrier, not by you. Our consultations, plan comparisons, enrollment support, and year-round service are all included at no cost. Your premium is identical whether you work with us or enroll directly, and you just get expert help at no extra charge.
VS Health Benefits is based in Miami, FL and licensed in 40+ states including Florida, Texas, Georgia, North Carolina, Tennessee, and many more. We help individuals, families, and small businesses nationwide. For truck drivers and owner-operators who work across multiple states, our nationwide licensing means we can find coverage that works wherever you haul — see what truck driver health insurance costs before you commit.