How I got here
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 at a wall of confusing plans, prices and fine print.
When I'm not helping clients, I'm a die-hard hockey fan and I travel every chance I get.
Who I help
Most of the people I work with are in their 20s and 30s, and most of them have never had anyone explain how their health insurance is priced:
- Employees paying too much at work. Work plans charge a healthy 25-year-old the same as a 55-year-old coworker. Sometimes that's still the better deal. Sometimes it isn't. Here's how to tell.
- Self-employed and 1099 workers. Nobody hands you a plan anymore. Your options, in plain English.
- People turning 26. Aging off a parent's plan without a gap. What to do and when.
- Young couples. Adding a spouse at work can cost thousands a year. How to check yours.
How I work
I compare private plans and Marketplace options side by side and tell you which one wins for you. Private plans ask health questions and can say no, so they're not for everyone, and I'll tell you upfront if one isn't a fit. If your work plan or the Marketplace is the better deal, I'll tell you that, even though I don't get paid for it. That honesty is the whole point.
I answer my own phone and texts, usually the same day: Monday to Thursday 9 AM to 8 PM, Friday 9 AM to 7:30 PM, and weekends 10 AM to 3 PM, Eastern.
Working with me is free. The insurance carrier pays me, and the price is the same as going direct. Here's exactly how I'm paid.
My license
- Joshua Cutlan, licensed health and life insurance agent
- NPN: 22078996
- Licensed in 19 states: Colorado, Florida, Georgia, Illinois (my home state), Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia and Wisconsin. Nevada, Iowa and Montana are coming soon.
- Business: Cutlan Health Solutions, based in the Tampa, Florida area, part of Fuller Built Insurance.
Verify my license on the Florida Department of Financial Services site: search NPN 22078996.
I'm an independent agent, not HealthCare.gov or any government agency.
Want a straight answer on your own coverage? Book 15 minutes or send me a text. Free, and no pitch at the end.