Individuals
Coverage that reflects your health needs, budget, and preferred doctors.
Independent health advisor
Health Coverage
Made Simple.
Personal guidance. More options. A plan built around YOU.
I help individuals, families, self-employed professionals, and business owners explore health coverage with clarity—from private PPO options to the public Marketplace.
Personal plan comparisons No-pressure guidance
Kerrissa Black
Health Advisor · Health · Life · Vision · Dental
Coverage for real life
Who I help
Your situation is personal. Your coverage guidance should be, too.
Families
Thoughtful options for protecting the people who matter most to you.
Self-Employed
Flexible coverage for entrepreneurs building life on their own terms.
Small Businesses
Clear guidance for owners exploring solutions for themselves and their teams.
Clarity before commitment
Why work with an independent advisor?
Because choosing coverage should feel informed—not overwhelming. You get a real person who listens, explains, and stays with you through enrollment.
Compare with context
Look beyond a monthly premium to understand how each option fits your priorities.
Know your numbers
Break down deductibles, copays, and out-of-pocket maximums in plain language.
Understand networks
See how PPO and HMO networks can affect provider choice and flexibility.
Enroll with support
Get thoughtful guidance from the first conversation through your next step.
Simple by design
Four steps. Zero stress.
A calm, guided path from questions to coverage.
01
Tell me what you need
Share your priorities, household, budget, and timing.
02
We review your situation
I listen closely and identify the details that matter.
03
Compare available options
We look at relevant choices side by side, clearly.
04
Choose your coverage
Move forward when you feel informed and confident.
Know the difference
Marketplace vs. private coverage
Neither path is universally better. The right fit depends on eligibility, network needs, and how you prefer to structure costs.
Income-based possibilities
Public Marketplace
- May offer premium subsidies based on household income and size
- Plan availability and provider networks vary by location
- Enrollment periods and qualifying life events may apply
- A practical fit for many individuals and families
Health-qualified options
Private Coverage
- Preferred rates may be available based on health eligibility
- Some options include broader, nationwide PPO networks
- Cost structure and benefits differ from Marketplace plans
- Can suit healthy individuals, families, and self-employed professionals
Plan features, eligibility, rates, and availability vary. A conversation helps determine which options may be relevant to your circumstances.
Meet your advisor
Hi, I’m Kerrissa.
I believe better coverage starts with a better conversation.
As an independent health advisor, I help individuals and families make sense of their options without the pressure or confusing language.
My approach is personal: I listen first, explain the tradeoffs clearly, and help you explore coverage aligned with your life. Whether you’re considering health, life, vision, or dental coverage, you’ll have a dedicated person to call.
Your next step
Get your free
coverage review.
Tell me a little about what you need. I’ll personally review your request and follow up to explore available options with you.
No obligation
Personal follow-up
Clear, judgment-free guidance
Good questions welcome
Frequently asked questions
Still wondering about something? Call or email me directly—there’s no such thing as a silly coverage question.
Kind words from clients
What clients say
Real experiences from people who made sense of their coverage with Kerrissa.
“I’m so glad I reached out to Kerrissa. I had been putting off getting coverage because I didn’t want to deal with all the insurance stuff 😂 She made it really easy and answered all my questions.”
“I made the mistake of requesting a quote online through one of those “quick quote” insurance sites, and immediately regretted it. Literally couldn’t use my phone because he was BLOWING UP!!!!! My friend recommended Kerrissa and she helped me get the calls to stop, and got me set up with a plan. It was literally so quick and easy with her.”
“I was honestly expecting to pay way more for coverage after looking at the marketplace since I make too much to qualify for assistance. Kerrissa took the time to go through my options and explain the differences between marketplace and private options.”
“Trying to find coverage for my family of 4. Kerrissa was patient, answered all my questions, and helped me narrow everything down.”
“Kerrissa was awesome and made getting health coverage surprisingly simple. She handled the research, so I didn’t have a ton of agents blowing up my phone. Walked me through everything step by step, and made the application easy.”
“The biggest difference was having someone actually explain the coverage to me. Kerrissa was responsive, knowledgeable, and genuinely listened to what I needed instead of just trying to sell me something.”
Not sure where to start?
Let’s make it simple. Tell me what you’re looking for and I’ll help you explore your available options.