Health insurance that fits your life and your budget.
I'm Nicole Curran, an independent health insurance broker. I compare ACA Marketplace and private PPO plans from multiple carriers, check that your doctors are in network, and help individuals, families, and self-employed people find coverage they can afford. Then I stay on as your point of contact.
Tailored health coverage, thoughtfully chosen
Whether you're buying on your own, covering a family, or working for yourself, I'll walk you through every option and what it really costs.
ACA Marketplace plans
Individual and family plans under the Affordable Care Act, with help checking whether you qualify for tax credits that lower your monthly premium.
Private PPO plans
Flexible plans with nationwide provider networks, so you can see specialists without a referral and keep the doctors you trust.
Self-employed coverage
Plans built for freelancers, 1099 workers, and small business owners who need solid coverage without an employer plan.
Child-only plans
Dedicated coverage for kids, including checkups, vaccines, and pediatric care, even when parents are covered elsewhere.
Dental & vision
Cleanings, fillings, eye exams, and glasses or contacts, as standalone plans or added to your health coverage.
Supplemental plans
Accident, critical illness, and hospital indemnity plans that pay cash when a deductible would otherwise hit hard.
Need life insurance too? I also offer term life, whole life, and final expense policies, so your health and life coverage can be reviewed together.
I work for you, not for one insurance company
A captive agent can only sell one company's products. As an independent broker, I shop several health insurance carriers and show you premiums, deductibles, and networks side by side.
Independent
I compare plans across carriers and recommend what fits, with no quota for any one company.
One-on-one
You talk with me directly, not a call center. I explain the fine print in plain English.
No added cost
Insurance carriers pay brokers, so my guidance is free. You pay the same premium you would buying direct.
Here after you sign
Claims questions, life changes, or open enrollment each year, I'm the person you call.
From first call to covered in four steps
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1
Free consultation
A 20-minute call about who you need to cover, your doctors, and your monthly budget.
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2
Side-by-side options
I pull quotes from several carriers and walk you through premiums, deductibles, and networks.
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3
You decide
Take your time and ask anything. There's no pressure and no obligation to buy.
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4
I handle enrollment
I complete the application with you and follow up until your policy is active.
Get your free quote
Send me a few details and I'll reach out within one business day to set up your consultation.
- Phone
- (336) 899-5817
- coveragebynicole@gmail.com
- Hours
- Mon–Fri, 9 AM–6 PM
- Based in
- Tampa Bay, Florida