Private Health Insurance for Self-Employed Workers in Middle Tennessee
Stronger protection for your dollar. We compare every lane, including the ACA marketplace, employer plans, and private PPO, and most people who switch report savings.
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 ApproachSelf-Employed & 1099
No employer plan to fall back on. We find you real coverage that moves with you.
Small Business Owners
Coverage that works for you and your team without breaking the budget.
High-Income Households
ACA subsidies don't apply to you, so we look at plans that actually make sense.
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 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.
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.
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.
Simple Process. Real Answers.
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.
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.
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.
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 ReviewReal 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."
"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."
"Super knowledgeable and helpful! Made the whole process easy and stress-free. I finally feel like I actually understand my coverage."
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.
Above Subsidy Threshold
Earning too much for ACA subsidies? Private market plans often deliver stronger coverage at a better price.
Answers to the Questions We Hear Most
Practical breakdowns of health insurance topics that affect self-employed Tennesseans and small business owners.
The Real Cost of Cheap Health Insurance in Tennessee
A low premium looks like a win — until something goes wrong. Here's what to actually compare.
📅Special Enrollment Periods in Tennessee: When You Don't Have to Wait
Missed open enrollment? Qualifying life events open a coverage window — and private plans don't need one at all.
📋COBRA Insurance in Tennessee: Costs, Duration & Alternatives
COBRA keeps your old coverage — but at full cost. Here's what it actually runs and what else is available.
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.