Health Insurance That Fits Your Life—not the Other Way Around
Finding health insurance on your own can feel complicated. Between deductibles, provider networks, prescription coverage, and unfamiliar insurance terms, it is easy to wonder whether you are choosing the right plan.
Butler Insurance Network helps individuals and families compare available health insurance options without the pressure, confusion, or one-size-fits-all sales pitch.
Whether you are self-employed, between jobs, retiring before Medicare, or simply looking for a better alternative to your current coverage, Chris Butler will help you understand your options and make a confident decision.
Personalized Health Coverage for Individuals and Families
Your health insurance should reflect your actual needs, including:
- The doctors and hospitals you prefer
- Your typical healthcare expenses
- Prescription medications
- Your family size
- Your monthly budget
- Your preferred deductible
- Your travel or multi-state coverage needs
- Whether you are self-employed or own a business
Chris takes the time to learn what matters to you before recommending coverage. Instead of handing you a stack of confusing plan comparisons, he explains the differences in plain English.
No insurance alphabet soup required.
Private PPO Major Medical Health Plans
Private PPO health insurance may provide individuals and families with greater flexibility when choosing doctors, specialists, and healthcare facilities.
Depending on the plan and your eligibility, potential benefits may include:
- Access to a nationwide PPO network
- More flexibility when selecting healthcare providers
- Major medical coverage
- Preventive care benefits
- Prescription drug options
- Coverage designed for individuals or entire families
- Supplemental protection for unexpected medical expenses
Plan availability, eligibility requirements, benefits, exclusions, and provider networks vary. Chris will help you review the details before you enroll.
Health Insurance for Self-Employed Professionals
When you work for yourself, you do not have an employer choosing your health benefits for you. That gives you more responsibility—but it may also give you more flexibility.
Butler Insurance Network helps self-employed individuals, independent contractors, consultants, and small-business owners explore health insurance options based on their needs and budget.
Additional coverage options may also be available to help protect your income and finances, including:
- Dental insurance
- Vision insurance
- Accident coverage
- Critical illness insurance
- Cancer insurance
- Short-term medical coverage
- Life insurance
Chris can help you build a well-rounded protection strategy without loading your plan with coverage you do not need.
Who May Need Individual Health Insurance?
Individual or family health insurance may be appropriate when you are:
- Self-employed
- An independent contractor
- Starting a new business
- Working for an employer that does not offer health insurance
- Between jobs or waiting for new benefits to begin
- Losing coverage through a spouse or parent
- Retiring before becoming eligible for Medicare
- Looking for an alternative to your current health plan
- Adding a spouse, child, or dependent to your coverage
A change in employment, marriage, divorce, birth, adoption, or loss of other coverage may also affect when certain plans are available to you.
Marketplace and Private Health Insurance Options
There is no single health plan that is right for everyone.
Some individuals and families may benefit from an Affordable Care Act Marketplace plan, particularly when premium tax credits or other financial assistance are available. Others may qualify for private health insurance options that better match their provider preferences, budget, or coverage priorities.
Chris can help you compare the available choices and understand important differences such as:
- Monthly premiums
- Deductibles
- Copays and coinsurance
- Maximum out-of-pocket expenses
- Doctor and hospital networks
- Prescription benefits
- Eligibility requirements
- Plan limitations and exclusions
The goal is not simply to find the lowest monthly premium. It is to help you understand what you are buying and how the coverage may work when you need it.
Common Providers
Why Work With Butler Insurance Network?
Personal Guidance
You work directly with Chris Butler—not an anonymous call center or an endless online form.
Clear Explanations
Chris explains coverage, costs, and limitations in straightforward language so you can make an informed decision.
Multiple Coverage Options
Rather than forcing every client into the same type of plan, Chris helps compare options based on individual circumstances and eligibility.
No-Pressure Consultations
You can ask questions, discuss your concerns, and explore your choices without being pushed into a rushed decision.
Continued Support
Questions do not always stop after enrollment. Chris remains available to help you better understand your coverage.
How It Works
1. Tell Chris What You Need
Discuss your household, budget, doctors, prescriptions, current coverage, and major concerns.
2. Review Your Options
Chris will explain the plans that may be available and help you compare their costs, benefits, networks, and limitations.
3. Choose With Confidence
Once you understand the differences, you can select the option that makes the most sense for you and your family.
4. Get Help With Enrollment
Chris will guide you through the enrollment process and answer questions along the way.
Frequently Asked Questions
Individual health insurance is coverage purchased by a person or family rather than provided through an employer. Coverage may be available through the Health Insurance Marketplace or from private insurance carriers, depending on the applicant’s circumstances and eligibility.
A Preferred Provider Organization, or PPO, generally provides access to a network of doctors, hospitals, and other healthcare providers. PPO plans may offer more provider flexibility than some other network structures, although benefits and out-of-network coverage vary by plan.
That depends on whether your doctor participates in the plan’s provider network. Provider directories should be reviewed before enrollment, and network participation can change. Chris can help you research available plans, but you should also confirm participation directly with your healthcare provider.
Not necessarily. Some private plans have eligibility requirements and may consider health history. Availability, underwriting, benefits, and exclusions vary by carrier and location.
Affordable Care Act-compliant Marketplace plans cannot deny coverage or charge a higher premium solely because of a pre-existing condition. Other types of private coverage may use medical underwriting or have different eligibility rules, limitations, or exclusions. Chris will explain these differences before you apply.
Not always. A plan with a lower monthly premium may have a higher deductible, a smaller provider network, different prescription benefits, or greater out-of-pocket exposure. The best value depends on how you expect to use your coverage.
Yes. Dental and vision plans can often be purchased separately or paired with health coverage.
Yes. Butler Insurance Network helps self-employed professionals and business owners explore individual, family, and supplemental insurance options.
Enrollment timing depends on the type of plan. Marketplace plans generally follow annual Open Enrollment rules unless you qualify for a Special Enrollment Period. Some private insurance options may accept applications throughout the year, subject to eligibility and plan availability.
In most cases, clients do not pay an additional fee for Chris’s assistance. Compensation arrangements can vary by carrier and product, and any applicable costs or fees should be disclosed before enrollment.
Let’s Find Coverage That Makes Sense
Health insurance is too important to choose based on a flashy advertisement or the cheapest number on a comparison screen.
Talk with Chris Butler about your healthcare needs, preferred doctors, budget, and available options. You will receive straightforward guidance from someone who genuinely wants to help you protect yourself and your family.
Ready to explore your health insurance options?
Insurance products are subject to eligibility requirements, underwriting, plan availability, policy terms, exclusions, limitations, and applicable state and federal regulations. Provider networks and benefits vary by plan. Butler Insurance Network does not guarantee acceptance, eligibility, benefits, or provider participation.