Tampa, FL · Licensed Health Insurance Agent

Health insurance, done right — and done for you.

I'm Josh Cutlan. I help individuals, families, and the self-employed find coverage that actually fits — and I make the whole thing simple. Free to work with, no pressure, and I answer my phone.

✓ Free to work with ✓ Independent — multiple carriers ✓ Licensed in 31 states ✓ Same-day response
Call or Text (813) 601-6884

Proudly part of Fuller Built Insurance — an independent agency rated ★5.0 on Google.

Joshua Cutlan, health insurance agent in Tampa, FL
JC
Licensed Agent · NPN 22078996
31States licensed
$0To work with me
5.0★Fuller Built on Google →
Same dayTypical response

Get covered

Where are you starting?

Point at your situation — I'll take it from there.

Self-employed or 1099

Freelancers, contractors, and business owners without an employer plan.

Start here →

Covering my family

Plans that protect your household without wrecking the budget.

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Coverage ending

Left a job, aging off a plan, or facing a gap? Let's bridge it.

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Small business

Owner looking to cover yourself or a small team.

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What I do

What I help with

Independent guidance across private and Marketplace health plans — so you see real options, not a pitch for one product.

Private PPO plans

Medically-underwritten plans with broad, nationwide networks — often a great fit for healthy individuals and families.

ACA Marketplace

Help comparing Healthcare.gov / Marketplace plans and checking whether you qualify for income-based subsidies.

Self-employed & 1099

Coverage built for freelancers, contractors, and small business owners.

Families & individuals

Plans that protect your people without blowing up your monthly budget.

COBRA alternatives

Lost employer coverage? I'll help you find a plan that often costs less than COBRA.

Under 65 & early retirees

Bridge coverage for anyone not yet eligible for Medicare.

Learn

Know what you're buying

Health insurance plan types, explained in plain English. Most self-employed people and families I work with prefer PPO-style plans for the freedom to choose their own doctors.

Plan typeFlexibilityReferralsNetworkTypical cost
PPOHighest — see who you wantNot requiredBroad, often nationwideHigher premium, more freedom
HMOLowest — stay in-networkRequired (via PCP)Narrow, localLowest premium
EPOMiddle groundNot requiredModerateLower-to-mid premium
POSHybridRequired (via PCP)Some out-of-networkMid premium

Not sure which fits? That's what I'm for — tell me how you use healthcare and I'll match you to the right structure.

The upside

Coverage that works the way you do

True PPO flexibility

See the doctors and specialists you want, without referral hoops.

Enroll year-round

Private plans aren't locked to open enrollment — get covered when you need it.

Tax-smart if self-employed

Premiums are often deductible for the self-employed (confirm with your tax pro).

An advisor who sticks around

You get my direct line for the long haul — not a call center that forgets you.

Simple

How it works

Three steps. Zero runaround.

Tell me your situation

Start a quick quote, call, or text — whatever's easiest.

I compare your options

I review private and Marketplace plans across carriers and explain the tradeoffs in plain English.

Get covered — keep my number

I handle enrollment, then stay your go-to for anything that comes up.

Who you're working with

About Josh

Joshua Cutlan
JC

I'm originally from Illinois and now call Florida home, where I live with my family. I got into health insurance through my brother, who's been in the industry for years — and it clicked fast. I saw firsthand how much the right guidance matters when someone's staring down a wall of confusing plans, prices, and fine print.

"My job isn't to sell you the biggest plan — it's to find the one that actually fits your life."

That's the part I love: taking something stressful and making it simple, so you can make a confident choice and get back to your life. When I'm not helping clients, I'm a die-hard hockey fan and I travel every chance I get.

I run Cutlan Health Solutions as part of Fuller Built Insurance, an independent agency rated 5.0 on Google — so you get personal, one-on-one service with a proven team behind me.

Why me

Why work with me

I actually answer

A real person who picks up the phone and returns your texts — not a call center.

Honest advice

If a Marketplace plan is your better deal, I'll tell you. The right fit beats the biggest sale.

Independent options

I compare multiple carriers so you see what's actually out there for your situation.

Backed by a 5.0-rated agency

Part of Fuller Built Insurance — personal service with a proven team behind it.

Trust

Credentials you can check

Trust matters in this business. Here's how to verify who you're working with.

Licensed health & life insurance agent
31 states · home base Tampa, FL
NPN 22078996 — verify NPN
Verify license — Florida DFS
Part of Fuller Built Insurance (5.0★ Google)

Independent insurance agent — not affiliated with or endorsed by any government agency or Healthcare.gov.

Coverage area

Licensed in 31 states

Based in Tampa, FL and licensed to help clients across the country. Don't see your state? Reach out — I may be able to help or point you the right way.

★ Florida — home base Alabama Arkansas Colorado Delaware Georgia Illinois Indiana Iowa Kansas Kentucky Louisiana Maryland Michigan Mississippi Missouri Montana Nebraska Nevada North Carolina Ohio Oklahoma South Carolina South Dakota Tennessee Texas Utah Virginia West Virginia Wisconsin Wyoming

Reviews

★★★★★

Client feedback means everything to me. I'm building my Google review page now — if we've worked together, reach out and I'll send you the link. It truly means a lot.

Free · No pressure · 60 seconds

Let's find your plan.

Answer a few quick questions and I'll put together your real options — usually the same day. Prefer to talk? Call or text me directly.

📞 (813) 601-6884