Emily Montgomery is a licensed health insurance agent helping individuals aged 18–64 find affordable private PPO health coverage tailored to their unique needs. Whether you're self-employed, between jobs, or running a small business, Emily provides personalized guidance to protect your health and your wealth.
Life changes often create new health coverage needs. Emily specializes in helping during:
Access association group rates that can save your business 30-50% compared to traditional group plans.
Unlike traditional group plans, there's no minimum employee participation required. Even if only one employee enrolls, your business qualifies.
Your employees get access to the largest provider networks in the country, with coverage that travels with them anywhere.
Choose from various payment structures that work for your business budget and cash flow.
Each employee can select the plan that best fits their individual and family needs.
If an employee leaves, they can take their coverage with them—no COBRA complications.
"Emily made the entire process so easy! She found us a plan that saved our family over $400 a month with better coverage than we had before."
— Sarah M., Austin, TX
"As a small business owner, I was overwhelmed trying to find health insurance for my team. Emily took care of everything and found options I didn't know existed."
— Michael R., Business Owner
"Professional, knowledgeable, and genuinely cares about finding the right coverage. Highly recommend!"
— Jennifer L., Self-Employed
Emily Montgomery is a licensed health insurance agent with over 8 years of experience in the insurance industry. She specializes in private PPO health plans and is licensed in 28 states across the United States.
Emily is an active member of local business networking groups and has received multiple awards for her dedication to client service. She believes in building lasting relationships with her clients and providing ongoing support—not just at enrollment time, but throughout the entire year.
On a personal note, Emily is a proud Christian, pet parent, and is married to her husband Derek. She loves traveling and exploring new places. Her mission is to make health coverage easy and accessible for everyone she works with.
Emily is licensed to provide health insurance coverage in the following 28 states:
Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, Wyoming
Understanding the differences between public and private insurance helps you make the best choice for your situation:
| Public Insurance (ACA/Marketplace) | Private PPO Plans |
|---|---|
| Smallest network options | Largest nationwide networks |
| Networks differ by state | PPO access to preferred providers everywhere |
| Not portable – geographically restrictive | Portable – travels with you anywhere |
| Must stay in-network for benefits | Benefits work in and out of network |
| Referrals required for specialists | No referral needed for specialists |
| High out-of-pocket maximums | Affordable out-of-pocket maximums |
| No additional financial protection | Optional add-ons: accident, critical illness, short-term disability |
| No rewards for healthy living | Save money and get rewarded for being healthy |
Emily helps individuals aged 18-64, families, self-employed professionals, 1099 contractors, and small businesses with 1-49 employees find private health insurance coverage.
ACA/Marketplace plans are government-regulated with limited networks that vary by state. Private PPO plans offer nationwide networks, portability across states, no referral requirements for specialists, and often lower out-of-pocket costs.
Yes! Emily offers completely free, no-obligation consultations. She'll review your situation, answer your questions, and provide recommendations with no pressure to enroll.
Emily offers comprehensive coverage options including health insurance, dental, vision, short-term life insurance, short-term disability, accident protection, and critical illness coverage.
No! Private PPO plans are available year-round with no open enrollment restrictions. You can enroll anytime, regardless of the time of year.
Through association group plans, small businesses can access rates typically reserved for large corporations. There's no minimum participation requirement, and each employee can choose the plan that works best for them.
Emily provides year-round support including help with claims, coverage questions, plan changes, and annual reviews to ensure your coverage still meets your needs.
Yes! Many clients save 30-50% compared to marketplace plans while getting better coverage. Emily works to find options that fit your budget.
Plans can be set up for automatic renewal, or you can review and adjust your coverage annually. Emily reaches out before renewal to ensure your plan still meets your needs.
Yes! Both options are available. Short-term plans are great for temporary coverage needs, while long-term plans provide ongoing protection.
Ready to find the right health coverage for you?
Schedule a free consultation with Emily today!
Phone: 1-512-567-9091
Email: Emily@HealthCoverageWithEmily.com
Emily typically responds within 24 hours and is available for calls and video consultations.