Denzel Chandler – Health Insurance Advisor
Denzel Chandler Founder
500+Clients
4.9★Rating
25+Carriers
IND.Broker

Why Choose Us

Coverage That Works As Hard As You Do

We take the confusion out of health insurance. You get a dedicated advisor who listens first, then builds a solution — not the other way around.

Let's Talk Coverage

Have questions about your options? Reach out — we respond fast and there's never any pressure or obligation.

⚡ Typical response: under 1 hour
📞 (954) 439-0478Call or text anytime ✉️ Send an Emaildenzelchandlerhealth@gmail.com 💬 Text UsQuick questions welcome 📅 Book a Free ConsultationPick a time that works for you 🎁 Send a ReferralEarn $100 when they enroll
Mon – Sat  ·  8 am – 8 pm EST

Carriers We Work With

UnitedHealthcare
Aetna
Cigna
Humana
Blue Cross Blue Shield
Ambetter
Oscar Health
Molina Healthcare
Florida Blue
Anthem Blue Cross Blue Shield
Kaiser Permanente
CareSource
Christus Health
AmeriHealth
Alliant Health Plans
Priority Health
Wellpoint
Antidote Health
UnitedHealthcare
Aetna
Cigna
Humana
Blue Cross Blue Shield
Ambetter
Oscar Health
Molina Healthcare
Florida Blue
Anthem Blue Cross Blue Shield
Kaiser Permanente
CareSource
Christus Health
AmeriHealth
Alliant Health Plans
Priority Health
Wellpoint
Antidote Health

Our Process

Simple From Start to Covered

1

Call or Click for a Free Quote

2

Book a Free Consultation ↗
3

We Build a Plan Around Your Needs

4

Apply & Get Covered

Who We Serve

Coverage for Every Stage of Life

🧑

Individuals

Whether you're between jobs, self-employed, or simply shopping for better coverage, we find the right plan at the right price — no guesswork.

Get a Quote →
👨‍👩‍👧‍👦

Families

Employer plans too expensive for dependents? We'll find comprehensive family coverage that protects everyone without breaking the bank.

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🏢

Business Owners

Running a business means wearing every hat — including HR. We help you find the right coverage for yourself and your team without the corporate price tag.

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💼

Self-Employed

Freelancers and solo professionals shouldn't have to settle for overpriced coverage. We find quality plans that fit your budget and your lifestyle.

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1099 Contractors

No employer benefits? No problem. We find plans built for independent contractors — affordable, flexible, and designed around your income and schedule.

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Travel Nurses

Working across state lines means you need portable, nationwide coverage. We specialize in plans that move with you from assignment to assignment.

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Healthcare Workers

Even those who care for others need great coverage for themselves. Whether hospital-employed or independent, we find the plan that fits your situation.

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Truck Drivers

Owner-operators and independent drivers need coverage that keeps up with life on the road. We find flexible plans that work whether you're home or hauling.

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Early Retirees

Retired before 65 and COBRA is too expensive? Don't go uninsured. We find real alternatives that give you solid coverage at a fraction of the COBRA cost.

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Find My Plan

Know Your Options

Marketplace vs. Private Coverage

Not everyone qualifies for every option. We help you compare what's actually available based on your situation.

🏛️

Marketplace Plans

ACA / Obamacare Plans
✅Subsidies may be available based on income
✅Essential health benefits guaranteed
✅Pre-existing conditions always covered
✅Standardized plan tiers (Bronze, Silver, Gold)
⚠️Plan availability varies by state & county
⚠️Enrollment limited to Open Enrollment period (with exceptions)
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Private / Off-Exchange Plans

PPO & Private Coverage Options
✅PPO options may be available with broader networks
✅Alternative plan structures outside ACA framework
✅Year-round enrollment on many plans
✅$0 deductible options available on select plans
⚠️Eligibility and underwriting varies by carrier
⚠️Subsidies not available on off-exchange plans

What Clients Say

Real People. Real Results.

★★★★★

"Denzel made the whole process incredibly easy. I had no idea there were so many options available to me as a freelancer. He found a plan that saved me over $200 a month."

Marcus T. Marcus T., Freelance Designer
★★★★★

"As a small business owner I always thought great employee benefits were out of reach. Chandler Health Advisory proved me wrong. Professional, thorough, and genuinely cares."

Sandra R. Sandra R., Business Owner
★★★★★

"Denzel walked my whole family through every option, answered every question patiently, and found us coverage that was half what we expected. Highly recommend."

James & Alicia W. James & Alicia W., Family of 4

FAQ

Common Questions, Honest Answers

Costs vary based on your age, location, household size, and income. Many people qualify for subsidies that significantly reduce their monthly premium — sometimes to $0. We'll run the numbers for your specific situation and show you exactly what's available before you commit to anything.
HMO plans require you to use in-network doctors and get referrals — they tend to have lower premiums. PPO plans give you more flexibility to see any doctor with or without a referral, but cost more. EPO plans are a hybrid — no referrals needed, but you must stay in-network. We'll walk you through which fits your lifestyle and budget best.
The main Open Enrollment Period runs November 1 through January 15 each year. Outside of that window, you may qualify for a Special Enrollment Period (SEP) if you've had a qualifying life event — losing job-based coverage, getting married, having a baby, or moving. Self-employed and private plans can often be enrolled in year-round.
In many cases, yes — especially with PPO or EPO plans. Before we recommend anything, we check whether your current doctors and any preferred hospitals are in-network for the plans we're considering. Keeping your care team matters to us as much as it does to you.
Your deductible is the amount you pay for covered services before your insurance kicks in. Once you've hit your out-of-pocket maximum for the year, your insurance covers 100% of covered costs for the rest of the year. We help you find the right balance between a low monthly premium and a deductible you can actually afford.
Standard health plans typically don't include dental or vision — but we offer standalone dental and vision plans that can be bundled with your health coverage. We'll show you all-in pricing so there are no surprises.
Once you apply, coverage can begin as quickly as the 1st of the following month — sometimes sooner depending on the plan and your situation. The application itself typically takes less than 30 minutes with our help, and we handle the paperwork so you don't have to.
No — our services are completely free to you. We're paid by the insurance carriers, not by our clients. That means you get expert, personalized guidance at zero cost, with no obligation to enroll in anything.
📞 Call (954) 439-0478