KO Advisors Independent · Licensed in 32 States
Independent Health Insurance Brokerage

The right health plan, with every option on the table.

I'm Kevin Ojeda — an independent broker licensed in 32 states. I compare marketplace and private plans side by side for individuals, families, and small businesses, and my guidance costs you $0.

Book a free 15-minute call Verify my license

Prefer to talk now? Call or text (702) 281-7165.

Licensed & verifiable in 32 states Tailored plans — individuals, families & businesses 1,200+ people enrolled $0 cost to work with me
1,200+
People enrolled — and counting
32
States licensed & verifiable
15 min
Free intro call — no pressure, no obligation
$0
Cost to you — carriers pay me, plans cost the same
Sound Familiar?

Shopping for health insurance is broken. You've felt it.

1

You search online for quotes…

…and your phone lights up for weeks. Lead sites sell your number to twenty agents in an hour. You'll notice there's no quote form anywhere on this site — that's why.

2

You try the Marketplace…

…and without subsidies, the premiums read like a second mortgage — for a plan you're not even sure your doctor takes.

3

You finally pick something…

…then the first bill arrives, the deductible kicks in, and you start wondering what exactly you're paying for.

You're not imagining it — the process is broken.
Un-breaking it, one household at a time, is my whole job.

Is This You?

Built for the people the system wasn't.

  • You're self-employed, 1099, or run a small business — nobody hands you a benefits package, so you're the benefits department now.
  • You earn too much for subsidies — but not enough to shrug off a $900-a-month premium.
  • You're staring down a COBRA bill that costs more than your car payment.
  • You're generally healthy and suspect that should count for something. It can — private plans price on health, not just age and income.
  • You want a real person's number saved in your phone — not a 1-800 maze and a different rep every call.
  • You'd rather give an expert 15 minutes than give 40 open tabs your whole weekend.
  • You want someone who'll say “keep what you have” when that's the honest answer.
That's me — book the 15 minutes
Who I Help

Coverage built around how you actually live and work.

Most of my clients fall into one of three groups. If you don't see yourself here, reach out anyway — if I can't help, I'll tell you straight and point you in the right direction.

Individuals & Families

  • Overpaying for employer or marketplace coverage
  • Between jobs or leaving COBRA
  • Retiring early, not yet Medicare-eligible
  • Earning too much for ACA subsidies
How I help families →

Self-Employed & 1099

  • Business owners & independent contractors
  • Realtors, attorneys, medical professionals
  • Government contractors & consultants
  • Content creators and freelancers
How I help 1099s →

Small Businesses (2–50)

  • Construction & trades
  • Medical & dental practices
  • Agencies, home services, and more
  • Group plans that scale as you hire
How I help businesses →
How It Works

Fifteen minutes. Every option. No pressure.

1

A 15-minute call

We cover your doctors, medications, budget, and what isn't working today. No paperwork, no obligation — just the facts I need to shop for you.

2

I shop every option

Marketplace (ACA) and private plans compared side by side, with real monthly numbers — not teaser quotes designed to get you on the phone.

3

Enroll with backup

I handle the enrollment and stay your agent all year — claims questions, renewals, and life changes included. You'll never be routed to a call center.

Book your 15-minute call   What to expect on the call →
Kevin Ojeda, licensed health insurance advisor
Kevin Ojeda — founder, KO Advisors
Your Advisor

The pandemic showed me how fast life can change. I make sure your coverage is ready when it does.

My name is Kevin Ojeda. When the COVID-19 pandemic hit, I watched families lose jobs, lose coverage, and get caught off guard — often all at once. It opened my eyes to how quickly life can change, and how essential reliable health coverage really is.

That realization led me to become a health insurance broker. My goal is simple: make coverage easy to understand and accessible, so you're never left overwhelmed or unprepared. I walk every client through their options in plain language and find a plan that truly fits.

“You shouldn't have to wait for a crisis to find out what your plan actually covers.”
1,200+ People Enrolled — and Counting
Individuals, families & business owners across 32 states
Read my full story
Radical Transparency

Don't trust me because I have a website.

Anyone can build a nice website. Only a licensed producer is on file with your state's insurance regulator. Pick your state, and verify me on the government's site — not mine. It takes about a minute.

Verify my license
Common Questions

Answers before you even ask.

What if the plan I already have is my best option?

Then I'll tell you to keep it — and mean it. I only get paid if you enroll in something new, which is exactly why I won't talk you into it: one bad-fit plan would cost me your trust, your referrals, and the next ten years of working together. I'd rather lose a commission than lose that.

What does it cost to work with you?

Nothing. I'm paid a commission by the insurance carrier you enroll with — and by law the plan's price is the same whether you enroll through me or directly with the carrier. You get an advocate for free; going alone just means no one is in your corner.

Can I get coverage outside of open enrollment?

Often, yes. ACA marketplace plans require open enrollment (November 1 – January 15 in most states) or a qualifying life event — but private health plans can be applied for year-round. On our call I'll tell you exactly which windows apply to you.

Will you push me toward one company's plans?

No — I'm an independent broker, not a captive agent. I compare marketplace and private options across carriers and show you the trade-offs side by side. If staying on your current plan is the right move, I'll tell you that too.

How do I know you're legitimate?

Don't take my word for it — verify my license with your state's insurance regulator. Every state I serve maintains a public lookup where you can confirm my license is active before we ever talk.

See all frequently asked questions →

Refer & Earn

Know someone drowning in premiums?

Send them my way. If I can get them covered, there's a $100 thank-you with your name on it — and they get the same no-pressure treatment you did.

Refer a friend →
No Pressure. No Jargon. No Cost.

Get this handled before life gets unpredictable.

Fifteen minutes on the phone is usually all it takes to know exactly where you stand — and what you could be saving.

Book a free consultation Text me: (702) 281-7165

Booked already? Here's how to get the most out of your call.