Independent Health Insurance for Self-Employed Professionals Who Want Coverage That Actually Fits
I shop multiple carriers so you don't have to — and I'm here year-round when things change.
You work for yourself.
Your insurance should work for you.
Whether you're running a business, working for yourself, or taking care of your family, I help you find coverage that actually fits your life.
You're self-employed, freelance, or running your own business — and figuring out health coverage on your own has felt confusing or overwhelming.
You want real coverage that doesn't leave gaps — not just the cheapest plan, but the right one for your health, your budget, and how you actually live.
You'd rather spend 30 minutes with someone who knows the market than hours comparing plans on your own and still not feeling sure.
If you're looking for group benefits through an employer, I can point you in the right direction — this service is built specifically for independent professionals and small business owners.
Coverage For:
Group health plans, ICHRA, and supplemental options that help you offer real benefits to your team without the corporate price tag. Whether you have 2 employees or 50, I'll find a plan that fits your budget and keeps your people covered.
Book a CallComprehensive family coverage that protects everyone under your roof — preventive care, specialist visits, prescriptions, dental and vision. I'll help you find a plan that works for every age and stage of life.
Book a CallWhether you're between jobs, recently self-employed, aging off a parent's plan, or just want better coverage than what's on the marketplace, I'll match you with a plan that fits your health, budget, and lifestyle.
Book a CallHealth Insurance Options Matched to Your Situation
Individual & Family Plans
ACA marketplace plans, off-marketplace options, and short-term coverage for people who need personal health insurance that fits their actual health needs and budget — not just the lowest premium.
Self-Employed & Small Business
Health coverage for sole proprietors, freelancers, and small teams. I help you compare options across carriers so you're not guessing which plan makes sense for how you work and what you need.
Coverage Changes & Life Transitions
Turning 26, leaving a job, losing employer coverage, starting college, or navigating COBRA? I help you understand your options, compare the tradeoffs, and choose coverage that fits your situation before you have to make a decision.
I work with multiple carriers — I'm not tied to one plan or one network. That means I can compare options from several insurance companies and tell you what I actually see, not what one company wants me to sell.
Enrollment Without Second-Guessing
I believe you should be understood before you're advised — and supported after you enroll.
Make the Plan Fit Your Life
I start with your doctors, prescriptions, budget, and coverage needs — then look for options that fit your real situation.
Know What You're Choosing
I explain the details and tradeoffs in plain language, so you understand what matters before you enroll.
Be Understood First
Before I recommend anything, I take time to understand your health needs, your timing, your budget, and what you need your coverage to help with.
Know Who to Call After You Enroll
Questions, claims, plan changes, and coverage reviews do not stop after signup. I'm here year-round when you need help.
Keep Help Within Reach
Whether you're in North Carolina, relocate, or need help for family elsewhere, you can keep working with someone who already understands your situation.
I've Been Where You Are
That's not a tagline. It's why I do this work differently.
Before I became a licensed health insurance broker, I was self-employed and trying to navigate health insurance on my own. I remember feeling overwhelmed by the options and frustrated by how difficult it was to get straightforward answers.
That experience is why I built my practice around independent professionals and small business owners. You deserve someone who will give you straight answers, explain your options clearly, and still be there after you enroll.
I'm licensed in all 50 states and work with multiple carriers. That means I can shop several insurance companies on your behalf instead of offering just one company's plans.
When something changes — a health event, a life change, a carrier update — I'm here year-round. Not just at open enrollment.
Licensed Health Insurance Broker · All 50 States · Independent — not tied to any single carrier
Learn more about KimberlySimple. Clear. Your Way.
Finding the right insurance doesn't have to be complicated. Here's how we work together.
Learn
We start with a conversation. Tell me about your situation, your needs, and your budget. I'll explain your options in clear, simple terms.
Compare
I'll compare plans from multiple carriers to find the best coverage at the most competitive price.
Choose
Once you've found the right plan, I'll handle the enrollment process and make sure everything is set up correctly.
Jaime Jimenez
Dec 2025
I had the pleasure of working with Kimberly Hess and am pleased to offer an excellent review for her knowledge and expertise on the subject of Health Insurance, regulatory requirements and industry best practices.
Jeffrey Pickett
Dec 2025
Not a person who leaves a lot of reviews, but Kimberly was instrumental and helping me answer all the questions that I needed and becoming my agent. I have a few complex situations that she helped guide me and find the best workaround for my situation. Would highly recommend and she will be my agent as long as she continues this line of business.
Ashley Nowell
Dec 2025
Kim was such a great help and knowledgeable in choosing the best plan for me and my needs.
Katie Golinowski
Dec 2025
Kim was wonderful. She explained all of my options, walked me through all the details of the plan I chose and was just overall very thorough and extremely kind.
Destiny DiGirolamo
Dec 2025
Found our family a plan that gave us everything we need plus saved us a ton of money!!
Cameron Cochran
Dec 2025
I love working with Kim! She is very responsive and so helpful in answering any questions I have about my insurance policy. She has made everything super easy to set up and understand!
Frequently Asked Questions
Ready to Find the Right Plan?
Let's have a conversation about your needs. No pressure, no jargon — just honest guidance to help you make a confident decision.
Free consultations • No obligation • Available Monday–Friday, 9AM–5PM