Individual and family plans
Private PPO and Marketplace options matched to your household's health needs, preferred doctors and budget.
Get a family quoteLicensed in Florida and 32+ states
Health coverage that fits the way you actually live.
I'm David Skoczylas. I compare plans across multiple carriers, explain every option in plain language, and stay with you long after you enroll. My help costs you nothing.
- No fee for my help
- Your info is never sold
- Support all year
Quick coverage check
Four taps. I'll know where to start.
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Question 1 of 4
What's your situation?
Question 2 of 4
Do you have coverage right now?
Question 3 of 4
What matters most to you?
Question 4 of 4
How would you describe your health?
Here's where I'd start
I'll compare options that match what you told me and walk you through them.
Send my answers to David Call insteadSound familiar?
Shopping for insurance alone usually goes one of three ways
If any of these sound familiar, you didn't do anything wrong. The process is confusing by design.
You fill out a quote form online
And your phone never stops ringing
Your number gets passed to a dozen call centers. When you contact me, you talk to me, and your information goes nowhere else.
You check the Marketplace
And the price makes you close the laptop
Without a subsidy, ACA pricing can be steep. There may be options, or savings, that nobody has shown you yet.
You pick something anyway
And the deductible turns out to be the real cost
A low premium can hide a deductible so high you pay twice: once every month, and again the day you need care.
Some strong plans for healthy people never appear on the Marketplace
If you're generally healthy, a private, medically underwritten PPO can offer nationwide provider access at a lower monthly cost than an unsubsidized Marketplace plan.
Most people outside the industry never hear about this option. I put it side by side with Marketplace plans so you see real numbers before you decide, including the trade-offs.
See if you qualify| Private PPO | ACA Marketplace | |
|---|---|---|
| Who can enroll | Based on health history | Anyone, guaranteed |
| Pre-existing conditions | Can be covered, depending on the condition. We review it together by phone. | Always covered |
| Subsidies | Not available | Available by income |
| When you can enroll | Year-round | Open or special enrollment |
| Best fit for | Healthy people without subsidies | Subsidy-eligible or ongoing health needs |
Private plans are non-ACA products and don't include all Essential Health Benefits. I'll always tell you which one fits your situation.
Coverage options
Coverage for every stage of life
Whether you're protecting a family, working for yourself, or running a team, I match you with a strategy, not just a policy.
ACA Marketplace plans
Side-by-side Marketplace comparisons with premium tax credit and cost-sharing reduction guidance built in.
Check my subsidySelf-employed and 1099
Portable coverage for freelancers, contractors and owners who don't have an HR department.
Get a 1099 quoteSmall business group plans
Group and individual structures compared so you choose what fits your team and budget.
See business optionsCOBRA alternatives
Lost a job or leaving one? Compare options that can cost far less than COBRA, with no gap in coverage.
Compare to COBRAWho I work with
Real people, real coverage
Every household and business is different. Here are the folks I help most, and what usually fits them best.
Families & individuals
Straightforward plans for everyday households, couples and kids.
Self-employed & 1099
Portable coverage built for freelancers and independent pros.
Small business owners
Group and individual options that grow with your team.
Contractors & trades
Flexible, year-round enrollment for variable-income work.
Remote & traveling pros
Nationwide networks that travel with your schedule.
Early retirees & pre-Medicare
Bridge coverage for the years before Medicare starts.
Wherever life has you right now
Coverage that fits the way you live
A minute with me
Short videos, plain answers
No jargon, no sales pitch. Just the questions I get asked most.
Benefits that help your business grow
A well-built benefits package is one of the best investments a business can make, in its people and its bottom line.
Hire and keep good people
Benefits are often what decides between two job offers. A thoughtful plan shows your team you're invested in them.
- Plans that compete with larger employers
- Lower turnover through stronger loyalty
Control costs and taxes
Group plans, HSAs and Section 125 structures can lower the tax burden for you and your employees.
- Pre-tax premium structuring
- Designs that limit year-over-year increases
- Clear carrier comparisons
A strategy built for your team
No two businesses share the same headcount, budget or culture, so no two plans should look alike.
- Structures fit to your size and industry
- Ongoing account management
- Direct access to me all year
Why work with an independent advisor
Most people have only experienced one kind of insurance shopping. Here's how a guided relationship compares.
The usual experience
- One-size-fits-all recommendations
- A call center that disappears after you sign
- Confusing jargon with little explanation
- Your information shared with other sellers
Working with David
- Options built around your needs and budget
- A long-term relationship, not a one-time sale
- Plain-language explanations of every trade-off
- Help with claims, billing and renewals all year
Simple process
Getting covered is easier than you think
Five clear steps, from first call to ongoing support.
Reach out
Call, text or send the form. It's a friendly, no-pressure conversation.
Talk it through
I learn your health needs, doctors, budget and comfort with risk.
Review options
You get a short list of plans, explained side by side in plain language.
Enroll
I handle the paperwork and walk you through every step.
Stay supported
I'm here for claims questions, changes and your annual review.
Learning center
Health insurance, explained simply
Straight answers to the questions I hear most.
Why health insurance feels so confusing
Once you understand five terms, most plan documents start to make sense.
PremiumWhat you pay each month to keep the plan active, whether or not you use care.
DeductibleWhat you pay for covered care before your plan starts sharing costs.
CopayA flat fee for a specific service, like a doctor visit or prescription.
CoinsuranceYour share of the bill after the deductible, often 20% or 30%.
NetworkThe doctors and hospitals that agreed to your plan's lower rates.
Out-of-pocket maxThe most you'll pay in a year. After that, covered care is paid in full.
A low premium with a high deductible can be great for someone who rarely sees a doctor, and a poor fit for someone managing an ongoing condition.
Choosing coverage that protects your family
Start with how your family really uses care: pediatric visits, sports injuries, prescriptions or specialist appointments all change which plan makes sense.
Use your preventive benefits
Most ACA-compliant plans cover wellness visits, many vaccines and standard screenings at no cost, even before the deductible.
Check before you enroll
Confirm your pediatrician is in-network, well-child visits are covered, and whether pediatric dental and vision are included.
Look past the premium to the family out-of-pocket maximum. It's usually the best measure of your worst-case cost for the year.
Understanding enrollment periods
Open Enrollment is the yearly window, usually in the fall, when anyone can sign up for or switch Marketplace plans. Employer plans run on their own schedule.
Special Enrollment Periods
A qualifying life event typically opens a 30 to 60 day window. Common events include marriage or divorce, having or adopting a child, losing other coverage, moving, or an income change that affects subsidies.
The clock starts on the date of the event, not the day you get around to it. Private PPO plans can often be applied for year-round.
ACA Marketplace subsidies, explained
Premium tax credits lower your monthly premium based on household income. Many middle-income households qualify without realizing it.
Cost-sharing reductions are a separate discount on Silver plans that lower your deductible, copays and out-of-pocket maximum.
Metal tiers at a glance
Bronze has the lowest premium and highest costs when you use care. Silver sits in the middle and is the only tier with cost-sharing reductions. Gold and Platinum cost more monthly and less when you see a doctor.
Subsidies are based on this year's expected income. Report changes during the year to avoid owing money at tax time.
What new parents should know
Having a baby opens a Special Enrollment Period. Most plans give you 30 to 60 days from the birth to add your child. Miss it and you may wait until the next open enrollment.
First-year checkups
Well-child visits usually happen at 1 week and at 1, 2, 4, 6, 9 and 12 months. Most ACA-compliant plans cover them as preventive care.
Choose an in-network pediatrician during pregnancy so you aren't searching in those first sleepless weeks.
David Skoczylas, licensed health insurance advisor
A licensed advisor, not a call center
I'm David Skoczylas, a Florida-licensed health insurance agent (NPN 22218464), not a doctor. I started Skoczylas Health because people deserve clear answers about their coverage, without sales pressure.
As an independent advisor, I'm not tied to a single carrier. I compare private and Marketplace plans, explain the trade-offs in plain language, and help you choose with confidence. When you call, you reach me, and I'm still here after you enroll for billing questions, plan changes and renewals.
Florida licenseG340709
NPN22218464
Licensed in32+ states
View my credentials and how to verify them
To be clear about a common mix-up: I'm an insurance agent, not a physician. Skoczylas Health is an independent insurance agency and is not a medical practice or doctor's office.
Your information stays yours
Health and contact details are sensitive. Here's exactly how I handle them.
Never sold or shared
What you tell me is used only to find your coverage. It's never passed to marketers or lead sellers.
Handled securely
Form submissions travel over an encrypted connection and are read by me, not a shared call center.
You stay in control
Want your information corrected or deleted? Call, text or email and I'll take care of it.
Client reviews
What clients are saying
Quick answers
Questions people ask me first
Does it cost anything to work with you?
No. I'm paid by the insurance carriers, so my guidance is free to you and your premium is the same as if you enrolled on your own.
How do I know which plan is right for me?
We start with a conversation about your health needs, budget and preferred doctors. Then I narrow the options and explain the trade-offs so the decision feels clear.
What's the difference between a private PPO and a Marketplace plan?
Marketplace plans are guaranteed issue, cover pre-existing conditions and can come with income-based subsidies. Private PPOs are medically underwritten, which means your good health can earn you better rates, often with nationwide PPO access. I'll compare both for you.
Can you help with business benefits?
Yes. I build group benefits strategies for businesses of all sizes, compare carriers, structure plans for tax efficiency and manage the account year-round.
I just lost my job. Do I have to take COBRA?
Not necessarily. Losing coverage opens a Special Enrollment Period, and private plans may also be available. We can compare them to COBRA's cost before your election window closes.
Do you help after I enroll?
Yes. I'm available all year for claims questions, billing issues, plan changes and an annual review to make sure your plan still fits.
Can I review multiple options?
Absolutely. Because I'm independent, I show you several options side by side so you can compare costs, coverage and networks.
Free & no obligation
Let's find your plan together
Tell me what you're looking for, then pick a time on my calendar on the next screen. I'll call you at your appointment time.
Appointment hours (Eastern Time)
- Monday to Thursday
- 8:00 AM to 8:00 PM
- Friday
- 8:00 AM to 4:00 PM
- Saturday
- Closed
- Sunday
- 8:00 AM to 4:00 PM
Step 2 of 2
Thanks! Now pick a time to talk.
Your answers are already attached to the booking, so you can go straight to choosing a time.
You're booked. A confirmation email is on its way.