Florida is home. Kieffer Insurance Group is based in Delray Beach, and Christine works with self-employed professionals, families and business owners across the state, from Miami and Palm Beach to Tampa, Orlando and Jacksonville. Florida has one of the largest self-employed communities in the country, and many of them are shopping for coverage on their own for the first time.
Freelancers, consultants and contractors who buy their own coverage and want it to work as hard as they do.
Health insurance for 1099 prosCoverage that protects the people you love and fits your budget, with private PPO and Marketplace options compared side by side.
Who we helpGroup plans, ICHRA and QSEHRA options so you can offer real benefits your team values, on a budget you set.
Small business benefitsThe extra Marketplace subsidies from 2021–2025 expired at the end of 2025. For 2027 coverage, households earning more than 400% of the federal poverty level don't qualify for premium tax credits, which is exactly where many 1099 professionals and business owners land.
That's why Christine starts with private PPO and HSA-qualified options, then compares them side by side with HealthCare.gov plans, so you choose with confidence instead of guessing.
Private PPO vs. Marketplace, explainedFor Marketplace (ACA) plans, you generally need open enrollment or a qualifying life event such as losing other coverage, moving or having a baby. Some private plans sold outside the Marketplace accept applications year-round for people who qualify. Christine can tell you which options are open to you right now.
It depends on your household income. For 2027 coverage, premium tax credits stop at 400% of the federal poverty level because the extra subsidies from 2021–2025 expired. If your income is above that line, a private PPO or an HSA-qualified plan may give you more for your money, and your premiums may be tax-deductible if you're eligible. Check with your tax professional.
No. Kieffer Insurance Group is based in Delray Beach, but Christine helps clients all over Florida and in other states by phone and video.
Plan availability, benefits and eligibility vary by state and carrier. Tax information is general; check with your tax professional. Christine Kieffer, licensed health insurance agent, NPN 19652136.