Built around your business.
Not somebody's product.
Individual coverage, genuine PPO access, small-group opportunities, tax-advantaged structures — most self-employed professionals have never had a single one of them properly explained. That's what ProtectHealth does.
Premiums and deductibles are the beginning of the conversation — not the end of it.
Age, household income, tax-credit eligibility, provider networks, prescriptions, and total financial exposure decide what "good coverage" actually looks like. Two Realtors at the same brokerage with the same premium can have completely different coverage quality. NAR data shows 10 to 15 percent of Realtors carry no coverage at all — usually because nobody ever explained the options, not because options don't exist.
Four paths. One of them fits.
Which doors are open depends on how your business is structured. That's exactly what the conversation figures out.
Individual Coverage, Done Right
Marketplace plans with the subsidy math actually run — net self-employment income, tax credits, and the deduction most 1099s never claim.
Genuine PPO Access
Real PPO options with real networks — checked against your actual doctors before anything gets signed.
Small-Group Opportunities
Some business setups unlock group coverage most self-employed people assume they can't have.
Tax-Advantaged Structures
ICHRA and Section 105 arrangements — small-employer ICHRA adoption grew 52% last year. Eligibility depends on structure, which is the whole point of the conversation.
Not every option fits every person. That's the point of having a strategy.
Your income closes in escrow. Your insurance thinks you get a paycheck.
Here's the thing about being self-employed in Las Vegas. Your income doesn't show up in tidy biweekly deposits. It shows up when a deal closes, when a client pays, when a busy season hits. Three closings in March, nothing in April, and somewhere in the middle of that you're supposed to guess what you'll earn this year, because that guess is exactly what Nevada Health Link uses to calculate your premium tax credit.
Guess low and you pay some of that credit back at tax time. Guess high and you leave money on the table every single month. Most agents and contractors we sit down with have never had anyone walk them through what income actually counts, or the fact that the math runs on your net self-employment income after expenses, not the gross number on your 1099. We wrote a whole plain-English breakdown of how the premium tax credit really works because we got tired of watching people overpay for coverage they could have gotten help with.
Then there's the deduction almost nobody claims correctly. If you qualify, health insurance premiums come off your income above the line. The IRS lays it out in their Self-Employed Individuals Tax Center, and the short version is that a lot of 1099 professionals in this valley are effectively paying 20 to 30 percent more for coverage than they need to. Whether you can claim it depends on your situation, which is a conversation for your tax professional, and yes, we wrote up that answer too.
And the structures. ICHRA and Section 105 arrangements have been growing for five straight years nationally. The HRA Council tracks the adoption data, and the growth among small employers has been the fastest of all. If you've never heard those words before, start with our plain-English ICHRA guide, and if you're an S-corp owner wondering whether this applies to you, that answer has some fine print worth reading before anyone sells you anything.
One more thing, because this is Las Vegas and this industry has its share of characters. Any broker you talk to, us included, should be verifiable through the Nevada Division of Insurance. Look us up. We'll wait.
"The product should serve the strategy — not become the strategy."
Self-employed Nevadans have had this conversation
G I had an excellent experience with Robert and Jeff at ProtectHealth Insurance Agency. They are incredibly knowledgeable, and they took the time to understand my specific insurance needs. I was shopping around for coverage for my family and had called multiple places, but I could never get a straight answer. No one was willing to walk me through the process or explain how everything worked, and I felt completely lost. Thankfully, I came across ProtectHealth, and they were amazing. Robert took the time to go over everything in detail and patiently answered all of my questions. I feel very fortunate to have found these guys and highly recommend ProtectHealth to anyone looking for personalized, reliable insurance guidance
G My Healthcare Agent, Curtis McCall is an expert when it comes to the healthcare business, I know this from my personal experiences a few years ago and me and my family were in the market for other health/dental insurances and Mr. McCall truly helped us navigate our Healthcare needs. I really appreciate Mr. McCall for his help and due diligence in helping us with this process. Mr. McCall is just a call/text away, and he offers Zoom consultations when requested. Excellent service!
G Yvette is an amazing, wonderful, kind person. I was new to Nevada and the health care here , she took her time to explain things so I could really understand and was always available no matter the time or day. She also helped me to resolve an issue I was having with the pharmacy and insurance . We were on the phone for a while trying to sort things out and she never seemed bothered. She’s truly amazing .
G I had such a great experience with Pamela Noyes she is very kind, knowledgeable and very very helpful and she goes above and beyond to make time to speak with you and explains everything and just makes sure you understand the whole process! She’s so amazing and you guys have a great great employee, please take care of her, she’s golden! Thank you Pam for all you do! You are so appreciated!
G Janet is one of the most amazing persons you will meet. She genuinly cares about what ever issue you bring to her. She will always smile and tell you that she will take care of everything, and makes sure my issues or concers are allways address on time. Now she is my to go person. her attitude is very positive and uplifting. I truly appreciate her!!!!
G Stephanie was amazing! Super knowledgeable and able to transfer her wealth of knowledge effectively (and without making me feel like an idiot, which admittedly I was when it came to these new/uncharted waters). Very much appreciate her assistance in getting us sorted!
After the death of my son and watching an insurance company go bankrupt right in the middle of the year, Janet was a trooper and helped me and my wife fine the right insurance company for our needs!! Thank you very much
G Lawanda did amazing! after fighting to get insurance on my own, a quick call to her got me insurance in less than 30 minutes!!! She's my hero. Quick, Dependable, Friendly and Efficient. I'm so happy i reached out.
G Brian Paradis is the best! I’ve have worked with him 2 years now and he’s always listened to what I need and can afford for my health insurance. I appreciate a Health Agent that listens to me and helps me with my options! Thank you!
G Thank you, Jeff Barton and ProtectHealth! Felt like family with the best service! Helped us navigate through - making it as easy as possible. The VERY best!
G I had an excellent experience with Robert and Jeff at ProtectHealth Insurance Agency. They are incredibly knowledgeable, and they took the time to understand my specific insurance needs. I was shopping around for coverage for my family and had called multiple places, but I could never get a straight answer. No one was willing to walk me through the process or explain how everything worked, and I felt completely lost. Thankfully, I came across ProtectHealth, and they were amazing. Robert took the time to go over everything in detail and patiently answered all of my questions. I feel very fortunate to have found these guys and highly recommend ProtectHealth to anyone looking for personalized, reliable insurance guidance
G My Healthcare Agent, Curtis McCall is an expert when it comes to the healthcare business, I know this from my personal experiences a few years ago and me and my family were in the market for other health/dental insurances and Mr. McCall truly helped us navigate our Healthcare needs. I really appreciate Mr. McCall for his help and due diligence in helping us with this process. Mr. McCall is just a call/text away, and he offers Zoom consultations when requested. Excellent service!
G Yvette is an amazing, wonderful, kind person. I was new to Nevada and the health care here , she took her time to explain things so I could really understand and was always available no matter the time or day. She also helped me to resolve an issue I was having with the pharmacy and insurance . We were on the phone for a while trying to sort things out and she never seemed bothered. She’s truly amazing .
G I had such a great experience with Pamela Noyes she is very kind, knowledgeable and very very helpful and she goes above and beyond to make time to speak with you and explains everything and just makes sure you understand the whole process! She’s so amazing and you guys have a great great employee, please take care of her, she’s golden! Thank you Pam for all you do! You are so appreciated!
G Janet is one of the most amazing persons you will meet. She genuinly cares about what ever issue you bring to her. She will always smile and tell you that she will take care of everything, and makes sure my issues or concers are allways address on time. Now she is my to go person. her attitude is very positive and uplifting. I truly appreciate her!!!!
G Stephanie was amazing! Super knowledgeable and able to transfer her wealth of knowledge effectively (and without making me feel like an idiot, which admittedly I was when it came to these new/uncharted waters). Very much appreciate her assistance in getting us sorted!
After the death of my son and watching an insurance company go bankrupt right in the middle of the year, Janet was a trooper and helped me and my wife fine the right insurance company for our needs!! Thank you very much
G Lawanda did amazing! after fighting to get insurance on my own, a quick call to her got me insurance in less than 30 minutes!!! She's my hero. Quick, Dependable, Friendly and Efficient. I'm so happy i reached out.
G Brian Paradis is the best! I’ve have worked with him 2 years now and he’s always listened to what I need and can afford for my health insurance. I appreciate a Health Agent that listens to me and helps me with my options! Thank you!
G Thank you, Jeff Barton and ProtectHealth! Felt like family with the best service! Helped us navigate through - making it as easy as possible. The VERY best!
G My partner and I have been in the capable hands of Lisa Drake for a few years now. She's very knowledgable, helpful, and proactive. Highly recommended.
G Lorraine Castillo is the best insurance agent, I use her for all my personal and real estate clients insurance policies. She is the only agent I trust in Nevada.
G Jeff is so thorough and easy to work with. I'm happy to have an agent who goes above and beyond to make sure my questions are answered. Thanks for always following up and checking in!
G Brian was amazing and took the time to walk me through everything step by step and answer any questions I had.
G Tammy did an excellent job as usual. She always goes out of her way and spends time with us so we understand the details.
G Great personal service. I can’t say enough about Pam N., she is fantastic!
G Christopher helped me find the best plan to meet my needs. He is very easy to work with and I would recommend him to other people!
G Lorraine Castillo was my agent, very professional and detailed. Great Agent, I will be recommending her services.
G What can I say the help and dedication is above and beyond and the staff have actual compassion and understanding for my needs and situations.
G Protect Health was very professional and helpful, especially Michelle Brunson, top notch agent!!!
G My partner and I have been in the capable hands of Lisa Drake for a few years now. She's very knowledgable, helpful, and proactive. Highly recommended.
G Lorraine Castillo is the best insurance agent, I use her for all my personal and real estate clients insurance policies. She is the only agent I trust in Nevada.
G Jeff is so thorough and easy to work with. I'm happy to have an agent who goes above and beyond to make sure my questions are answered. Thanks for always following up and checking in!
G Brian was amazing and took the time to walk me through everything step by step and answer any questions I had.
G Tammy did an excellent job as usual. She always goes out of her way and spends time with us so we understand the details.
G Great personal service. I can’t say enough about Pam N., she is fantastic!
G Christopher helped me find the best plan to meet my needs. He is very easy to work with and I would recommend him to other people!
G Lorraine Castillo was my agent, very professional and detailed. Great Agent, I will be recommending her services.
G What can I say the help and dedication is above and beyond and the staff have actual compassion and understanding for my needs and situations.
G Protect Health was very professional and helpful, especially Michelle Brunson, top notch agent!!!
Real reviews, word for word, from ProtectHealth's Google listing. Read all 703+ on Google.
20 minutes, start to clarity
Tell us your situation
Two minutes on the form below — how you work, how the business is set up, what you have now.
The strategy conversation
Structure, doctors, prescriptions, subsidy math, total exposure. Which doors are open for you, which aren't, and why.
Walk away with the map
Zero dollars, zero obligation. If what you already have is right, ProtectHealth tells you that too. When tax structure enters the picture, a licensed tax professional joins the conversation — we're insurance nerds, not tax professionals.
What actually happens in those 20 minutes
No slideshow. No script. Someone from the team, all six of us are licensed here in Nevada and based off West Charleston, asks how your business is set up and what your year actually looks like. Sole proprietor, LLC, S-corp, or "my CPA handles it and I sign things." All normal answers.
Then we check the things that decide whether coverage is good or just cheap. Which doctors you'd hate to lose. What prescriptions you fill every month. Whether your income qualifies you for help through the marketplace, and whether the way you file taxes opens any of the doors above. If you're a Realtor, we'll probably talk about what happens in a year where you close eight deals versus a year where you close twenty, because your coverage has to survive both. Our Realtor coverage guide covers the version of this conversation we've had a few hundred times, and if you're driving for three apps or freelancing across state lines, the freelancer and gig worker breakdown is the better read.
Sometimes the answer is that what you already have is right. We say that out loud when it's true. It costs us the sale and it's still the right answer, because you'll remember who told you the truth, and Las Vegas is a small town wearing a big city's clothes.
Frequently Asked Questions
Does every self-employed person qualify for an ICHRA or Section 105 arrangement?
No. Eligibility for tax-advantaged health-benefit structures depends on business structure, income, and household situation. A ProtectHealth strategy conversation maps which options actually fit a specific situation.
Is a ProtectHealth strategy conversation a sales appointment?
No. The 20-minute conversation walks through business structure, household needs, and available options — individual coverage, PPO access, small-group opportunities, or tax-advantaged structures. If existing coverage is already right, ProtectHealth says so.
Why does ProtectHealth recommend talking to a tax professional?
ProtectHealth brokers are insurance professionals, not tax professionals. When business or tax structure becomes part of the discussion, a brief conversation with a licensed tax professional is the responsible next step.
What should a Realtor bring to a strategy conversation?
A rough idea of household income, current plan details if coverage exists, and how the business is structured — sole proprietor, LLC, or S-corp. Not sure about structure is a fine answer; that is part of the conversation.
Does ProtectHealth only work with Realtors?
No. ProtectHealth works with Realtors, 1099 contractors, freelancers, and self-employed professionals across Nevada, plus small businesses building employee benefits.
Book your strategy conversation
Walk away knowing which options fit your structure, which don't, and what questions to ask next.
Tell us about your situation
4.9 · 703+ Google reviewsYou're booked. Quick heads-up on how we work: this is a strategy conversation, not a sales appointment. Have a rough idea of your household income and current plan details handy if you can.
Read your way in
Every guide and answer below was written for Realtors, 1099s, and the self-employed. Start anywhere — the strategy will make sense by the end.
Health Insurance For Freelancers And Gig Workers: 4 Paths Nobody Explains
Freelancers and gig workers have four real paths to health coverage: marketplace plans with subsidies, spouse plans, association options, and tax-advantaged structures.
Read The Guide →
Health Insurance Options For Self-Employed Nevadans: The Full Map
Every real health coverage path for 1099 contractors and self-employed professionals in Nevada — marketplace, PPO access, group opportunities, and tax-advantaged structures.
Read The Guide →
Health Insurance For Realtors: Why 1 In 8 Agents Has No Coverage
NAR data shows 10-15% of Realtors are uninsured. The real options for 1099 real estate agents — marketplace plans, PPO access, group opportunities, and tax-advantaged structures.
Read The Guide →
What Is An ICHRA? The Plain-English Guide For 2026
ICHRA explained without the jargon: how Individual Coverage Health Reimbursement Arrangements work, who they fit, and why adoption keeps growing.
Read The Guide →
ICHRA vs. Marketplace Coverage: Which Fits Your Situation?
Side-by-side comparison of employer ICHRA reimbursement versus buying a marketplace plan directly — tax treatment, control, costs, and who each fits.
Read The Guide →
Tax-Advantaged Health Benefits For The Self-Employed, Compared
ICHRA, QSEHRA, Section 105, and the self-employed premium deduction compared side by side — what each structure does, who can use it, and where the traps are.
Read The Guide →