Self-Employed Health Insurance Tennessee | Private PPO Plans | DC Insurance

Private Health Insurance for Self-Employed Workers in Middle Tennessee

Health Insurance Made Personal.

We specialize in private PPO health plans and supplemental coverage for self-employed individuals, 1099 contractors, and small business owners across Nashville and Middle Tennessee. We build coverage bundles that work the way employer plans do — without requiring an employer.

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★★★★★ 5.0 · 14 Google Reviews
615-513-0313

ACA Marketplace Plans

Can work great at certain income levels — but often leave high-income earners overpaying and undercovered.

Employer Coverage Review

Your group plan might not be the best deal. I'll help you compare and decide what actually makes sense.

5.0 ★ Google Rating · 14 Reviews
100% Independent — No Carrier Quotas, No Bias
20 min Free Appointment — Book Online Today

Built for People Who Feel Stuck Paying Too Much

Most health insurance agencies push whatever plan pays the highest commission. We don't work that way. DC Insurance was built specifically for self-employed individuals, 1099 contractors, and small business owners across Nashville, Franklin, Murfreesboro, and Middle Tennessee who need real coverage without an employer plan.

No call centers. No pressure. Just a local agent who knows this market.

Learn My Approach
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Self-Employed & 1099

No employer plan to fall back on. We find you real coverage that moves with you.

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Small Business Owners

Coverage that works for you and your team without breaking the budget.

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High-Income Households

ACA subsidies don't apply to you — so we look at plans that actually make sense.

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Frequent Travelers

Regional EPO restrictions are a real problem. We fix that with nationwide PPO coverage.

Every Option on the Table — Honestly Compared

We shop the whole market. The job is finding which lane gives you the best protection for what you're spending — and being straight with you about it.

ACA Marketplace

ACA Marketplace Plans

Can be excellent if you qualify for subsidies. But if your income is above the subsidy threshold, you're often overpaying for coverage with serious limitations.

Income-based subsidies Open enrollment windows Pre-existing conditions covered
Private PPO ⭐ Most Recommended

Private Market PPO Plans

Medically underwritten plans with real major medical benefits, nationwide PPO access, no referrals needed, and often significantly lower premiums for healthy individuals.

Nationwide PPO network No referrals needed Year-round enrollment Great for 1099 & self-employed
Employer Plans

Employer Coverage Review

Your employer plan isn't always the best deal. Sometimes a private market plan costs less out of pocket. I'll help you run the actual comparison before you decide.

Side-by-side comparison Total cost analysis Network review

Simple Process. Real Answers.

1

Book a Free 15-Minute Call

No forms to fill out first. We just talk. You tell me your situation — income, household, what you're currently paying — and I listen.

2

I Run the Comparison Across All Lanes

ACA, employer options, private PPO — I pull real quotes and lay them side by side. No fluff, no pushing a product I prefer.

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We Walk Through It Together

"Let's walk through this and make sure you understand what you're actually buying." That's my standard. You leave knowing exactly what you have.

4

You Decide — Zero Pressure

If it makes sense, we move forward. If it doesn't, I'll tell you. I'd rather lose a sale than put someone in the wrong plan.

Let's Review Your Options.

No pressure. Get clarity in 15 minutes. Honest answers, tailored to your needs.

  Book Your Free Review
Independent
I work for you, not a carrier. The goal is the right fit — not the easiest sale.
Tennessee
Based right here in Tennessee, serving clients statewide and beyond.

Real Clients. Real Results.

★★★★★

"I highly recommend Denton Casey from DC Insurance! He is a really honest and caring person who knows a lot about health insurance. He will help you find the best plan for your needs and explain everything in a way anyone can understand."

— David P. · Google Review
★★★★★

"If you're in the Nashville area and need someone you can trust to walk you through your health insurance options, Denton is your guy. Knowledgeable, patient, and genuinely helpful."

— Tawnya Cline · April 2026
★★★★★

"Super knowledgeable and helpful! Made the whole process easy and stress-free. I finally feel like I actually understand my coverage."

— Emileigh Mason · April 2026

Find Your Situation

Not every coverage question is the same. Here's where to start depending on your situation.

Self-Employed

No employer plan? We compare every lane and find what actually works for your income and situation.

1099 Contractors

Freelancers, consultants, gig workers — your options are broader than most people realize.

Small Business Owners

Group plans aren't the only way to offer real benefits. Let's walk through what actually makes sense for your team.

Private PPO Plans

Nationwide access, no referrals, and often better value for healthy individuals above the subsidy range.

ACA vs. Private Plans

A straight comparison — no spin in either direction — so you can decide what fits your situation.

Let's Make Sure You're Actually Protected.

Most people discover real options they didn't know existed. The conversation takes 15 minutes. There's no obligation.