Private health coverage
A licensed health insurance advisor on your side.
I'm Sterling Watnem. I help self-employed people, families, and small business owners compare private health plans and understand what they really cost.
- NPN 22079605
- Assistance in 31 states
- Independent advisor
Get a quote
Estimate your monthly cost
Answer 4 quick questions. Both estimates update as you go, and no email or phone number is needed.
M/F only affects private rates — Marketplace pricing is gender-neutral by law. Child estimates assume ages under 15.
Slide it — both rates update instantly.
An affordable employer offer legally ends the Marketplace tax credit — even if you turn it down. Private plans aren't affected.
Estimates only — not a quote or offer of coverage. Marketplace figures use 2026 federal subsidy rules and statewide average benchmark premiums; your actual rate varies by county, plan, tobacco use, and eligibility. Private plan rates subject to underwriting approval. Schedule a free call for exact quotes.
Who I help
Coverage for people who buy their own insurance
Private, medically underwritten plans can be a good fit for healthy people under 65 who don't get coverage through an employer.
Meet your advisor
Meet Sterling
I'm an independent health insurance advisor based in Tampa, Florida. I work with people who buy their own coverage and want to understand exactly what they're paying for.
When you call, you reach me directly. I'll tell you plainly whether a private plan is a good fit, and if it isn't, I'll say so.
- 150+ households helped
- < 1 day typical reply time
Reviews
What My Clients Say
How it works
3 steps from estimate to enrolled
Here's what working together looks like.
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Get your estimate
Use the estimator above, then save the result on your device. No email needed.
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Book a free call
Pick a time for a 30-minute call. We'll go through your options together.
Open my calendar -
Choose your plan
If a private plan fits, I'll help you apply. If it doesn't, I'll say so and point you to other options.
Where I help
Assistance in 31 states
Hover or tap a state for details.
Can assist in: Alabama, Arkansas, Colorado, Delaware, Georgia, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Montana, Nebraska, Nevada, Oklahoma, South Dakota, West Virginia, Wyoming.
Not on the map yet? We can still help.
Questions? Let's talk.
Book a free 30-minute call, or call or text me at (813) 340-5881. Bring your current plan or COBRA letter if you have one.
FAQ
Common questions
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Is this a government website?
No. Sterling Coverage Solutions is an independent insurance agency. It isn't connected to any government agency or to the Health Insurance Marketplace.
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Do I have to pay for your service?
No. You don't pay me anything. The insurance company pays me.
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How do you get paid?
The insurance company pays me when you choose a plan. Your price is the same whether you enroll with me or on your own.
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Is a private plan or a Marketplace plan better?
It depends on your income and your health. Private plans usually fit people who don't qualify for a tax credit and are in good health. Marketplace plans usually fit people who receive a tax credit or have major health conditions or medications. Not sure which describes you? Contact me and I'll help you find the right fit.
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What's medical underwriting?
The insurance company asks about your health before approving a plan. Your answers decide whether you're approved and what you pay, so approval is never guaranteed.
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Is the quote my final price?
No. The quote is an estimate. Your final price comes from the insurance company after you apply.
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What if a private plan isn't a fit for me?
I'll tell you, and I'll point you to other options, such as a Marketplace plan.