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Licensed Independent Health Insurance Broker

Health coverage that actually fits your life — and your budget.

Health Relief Insurance helps individuals, families, and small businesses compare plans, understand their options, and enroll in the right coverage — at no cost to you.

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  • ✓ ACA Marketplace & Off-Marketplace Plans
  • ✓ No Broker Fees, Ever
  • ✓ Licensed & Appointed Agent
  • ✓ Call or Text for a Quote

See Your Plan Options

Answer a few quick questions and get personalized recommendations from a licensed broker.

By submitting, you agree to be contacted by a licensed Health Relief Insurance broker by phone or text message. No obligation to enroll. Msg & data rates may apply.

Plans We Offer

Coverage built around what matters to you

Whether you're shopping for yourself, your family, or filling gaps in an existing plan, we'll help you find coverage that fits your health needs and your budget.

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Individual & Family Health Insurance

ACA Marketplace and off-exchange plans for individuals and families, with help finding subsidies and tax credits you may qualify for.

  • ACA Marketplace enrollment & subsidy review
  • Plan comparisons across major carriers
  • Special Enrollment Period guidance
  • Coverage for self-employed & gig workers
Compare Family Plans
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Dental, Vision & Supplemental

Fill the gaps your major medical plan doesn't cover with affordable standalone or bundled ancillary coverage.

  • Standalone dental & vision plans
  • Accident & critical illness coverage
  • Hospital indemnity plans
  • Bundle-and-save options with major medical
Explore Supplemental Plans
How It Works

Getting covered is simple

No confusing paperwork, no pressure — just clear guidance from someone who knows the marketplace inside and out.

1

Tell us about your needs

Share a few details about your household, budget, and any doctors or medications you want to keep.

2

Compare your options

We review plans across top carriers side-by-side, including any subsidies or tax credits you qualify for.

3

Enroll with confidence

We handle the paperwork and stay available year-round for questions, claims help, or life changes.

Jermayn McElhaney, Licensed Health Insurance Broker
About Health Relief Insurance

Straightforward advice from a broker who works for you — not the insurance companies.

Health Relief Insurance was founded to make health insurance shopping simple, honest, and pressure-free. We work with multiple top-rated carriers so we can find the plan that actually fits your needs — not just whichever plan pays the biggest commission.

As a licensed independent broker, our services cost you nothing extra — carriers pay us directly, so you get expert guidance at no additional cost.

Licensed Broker License #0I83185
Carriers 100+ ACA Marketplace carriers across our states — see full list
Experience 15 Years in the Industry
Licensed in 24 States
AL AZ CA FL GA IA IL IN LA MI MO MS NC NE NV OH OK PA SC TN TX VA WI WV
ACA Marketplace Carriers

Carriers offering ACA plans in our licensed states

Below is a state-by-state look at the health insurance carriers currently offering ACA Marketplace (individual & family) plans in each state we're licensed in. Availability varies by county — click your state to jump to its list, or reach out and we'll confirm what's offered in your ZIP code.

Alabama (AL)

Healthcare.gov
  • Blue Cross Blue Shield of Alabama
  • UnitedHealthcare
  • Ambetter from Superior HealthPlan
  • Oscar Health

Arizona (AZ)

Healthcare.gov
  • Blue Cross Blue Shield of Arizona
  • Ambetter (AZ Complete Health / Health Net)
  • Antidote Health
  • Cigna Healthcare of Arizona
  • Imperial Insurance Companies
  • Oscar Health
  • UnitedHealthcare

California (CA)

Covered California
  • Anthem Blue Cross
  • Blue Shield of California
  • Chinese Community Health Plan
  • Health Net
  • Inland Empire Health Plan
  • Kaiser Permanente
  • LA Care Health Plan
  • Molina Healthcare
  • Sharp Health Plan
  • Valley Health Plan
  • Western Health Advantage

Florida (FL)

Healthcare.gov
  • Ambetter Health of Florida
  • AmeriHealth Caritas Florida
  • AvMed
  • Florida Blue (BCBS of Florida)
  • Capital Health Plan
  • Cigna Healthcare of Florida
  • Florida Health Care Plan
  • Health First Commercial Plans
  • Molina Healthcare of Florida
  • Oscar Health
  • Simply Healthcare Plans
  • Sunshine State Health Plan (Ambetter)
  • UnitedHealthcare

Georgia (GA)

Georgia Access
  • Alliant Health Plans
  • Ambetter from Peach State Health Plan
  • Anthem Blue Cross Blue Shield
  • CareSource
  • Cigna
  • Kaiser Permanente
  • Oscar Health
  • UnitedHealthcare

Iowa (IA)

Healthcare.gov
  • Avera Health Plans
  • Iowa Total Care (Ambetter)
  • Medica
  • Oscar Health
  • UnitedHealthcare Plan of the River Valley
  • Wellmark Health Plan of Iowa

Illinois (IL)

Get Covered Illinois
  • Ambetter from Celtic
  • Blue Cross Blue Shield of Illinois
  • Cigna HealthCare of Illinois
  • Molina Healthcare
  • MercyCare HMO
  • Oscar Health
  • UnitedHealthcare

Indiana (IN)

Healthcare.gov
  • Anthem Blue Cross Blue Shield
  • CareSource Indiana
  • Cigna Health and Life
  • Ambetter from MHS
  • UnitedHealthcare

Louisiana (LA)

Healthcare.gov
  • Ambetter from Louisiana Healthcare Connections
  • Blue Cross Blue Shield of Louisiana
  • HMO Louisiana
  • AmeriHealth Caritas
  • UnitedHealthcare

Michigan (MI)

Healthcare.gov
  • Blue Care Network of Michigan
  • Blue Cross Blue Shield of Michigan
  • McLaren Health Plan Community
  • Meridian Health Plan (Ambetter)
  • Oscar Insurance
  • Priority Health
  • UnitedHealthcare Community Plan

Missouri (MO)

Healthcare.gov
  • Ambetter from Home State Health
  • Anthem Blue Cross Blue Shield
  • Blue Cross Blue Shield of Kansas City
  • Cigna Healthcare
  • Cox Health Plans
  • Medica
  • Oscar Health
  • UnitedHealthcare

Mississippi (MS)

Healthcare.gov
  • Ambetter from Magnolia Health
  • Cigna Healthcare
  • Molina Healthcare
  • Oscar Health
  • UnitedHealthcare

North Carolina (NC)

Healthcare.gov
  • Ambetter (Centene)
  • AmeriHealth Caritas
  • Blue Cross Blue Shield of North Carolina
  • Cigna Healthcare
  • Oscar Health
  • UnitedHealthcare

Nebraska (NE)

Healthcare.gov
  • Ambetter
  • Blue Cross Blue Shield of Nebraska
  • Medica
  • Oscar Health
  • UnitedHealthcare

Nevada (NV)

Nevada Health Link
  • Anthem Blue Cross Blue Shield
  • CareSource Nevada
  • Health Plan of Nevada
  • Hometown Health
  • Imperial Health Plan
  • Molina Healthcare of Nevada
  • Select Health
  • SilverSummit Health Plan (Ambetter)

Ohio (OH)

Healthcare.gov
  • Ambetter from Buckeye Health Plan
  • Anthem Blue Cross Blue Shield
  • Antidote Health Plan
  • CareSource Ohio
  • Medical Mutual of Ohio
  • Molina Healthcare of Ohio
  • Oscar Insurance
  • Paramount Health Care
  • SummaCare
  • UnitedHealthcare

Oklahoma (OK)

Healthcare.gov
  • Ambetter from Oklahoma Complete Health
  • Blue Cross Blue Shield of Oklahoma
  • Community Care HMO of Oklahoma
  • Medica
  • Taro Health
  • UnitedHealthcare

Pennsylvania (PA)

Pennie
  • Ambetter from Pennsylvania Health & Wellness
  • Capital Blue Cross
  • Geisinger Health Plan
  • Highmark
  • Independence Blue Cross
  • Jefferson Health Plans
  • Keystone Health Plan Central / East
  • Oscar Health Plan of PA
  • UPMC Health Plan

South Carolina (SC)

Healthcare.gov
  • Absolute Total Care (Ambetter)
  • Blue Cross Blue Shield of South Carolina
  • InStil Health
  • Molina Healthcare of South Carolina
  • Select Health of South Carolina
  • UnitedHealthcare of South Carolina

Tennessee (TN)

Healthcare.gov
  • Alliant Health Plans
  • Blue Cross Blue Shield of Tennessee
  • Ambetter
  • Cigna Healthcare
  • Oscar Insurance
  • UnitedHealthcare

Texas (TX)

Healthcare.gov
  • Ambetter from Superior HealthPlan
  • Baylor Scott & White Health Plan
  • Blue Cross Blue Shield of Texas
  • Cigna Healthcare
  • Community Health Choice
  • Molina Healthcare
  • Oscar Insurance
  • Sendero Health Plans
  • UnitedHealthcare
  • Wellpoint

Virginia (VA)

Virginia's Insurance Marketplace
  • Anthem HealthKeepers
  • CareFirst BlueChoice
  • Cigna
  • Kaiser Permanente
  • Optimum Choice (UnitedHealthcare)
  • Oscar Insurance
  • Sentara Health Plans

Wisconsin (WI)

Healthcare.gov
  • Anthem Blue Cross and Blue Shield
  • Aspirus Arise Health Plan
  • Common Ground Healthcare Cooperative
  • Dean Health Plan
  • Group Health Cooperative-SCW
  • HealthPartners
  • Medica
  • MercyCare Health Plans
  • Network Health
  • Security Health Plan
  • Unity Health Insurance

West Virginia (WV)

Healthcare.gov
  • Highmark Blue Cross Blue Shield
  • CareSource West Virginia

Carrier participation varies by county and changes each plan year — this reflects 2026 plan year ACA Marketplace offerings. It's provided for general information only; we'll confirm exactly which carriers and plans are available at your specific address when you request a quote.

Frequently Asked Questions

Questions we hear often

Does it cost anything to work with a broker?

No. Licensed brokers are paid directly by insurance carriers, so our guidance and enrollment support come at no additional cost to you.

Can I enroll outside of Open Enrollment?

In many cases, yes. Certain life events — like losing coverage, moving, getting married, or having a baby — qualify you for a Special Enrollment Period.

Will you help me figure out if I qualify for subsidies?

Absolutely. We'll walk through your household size and income to see what tax credits or cost-sharing reductions you may be eligible for on the ACA Marketplace.

Do you offer plans for small businesses?

[Add details here if you offer small group/business coverage, or remove this question if not applicable.]

Not sure where to start? Let's talk it through.

A quick, no-pressure conversation can help you understand your options and avoid overpaying for coverage that doesn't fit your needs.

Schedule a Free Consultation (858) 412-0751 — Call or Text (858) 568-3734 — Call or Text
Get In Touch

Let's find your plan.

Reach out directly or fill out the form and a licensed broker will follow up within one business day.

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Office — Call or Text (858) 412-0751  ·  Text
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Cell — Call or Text (858) 568-3734  ·  Text
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