Self-Employed & 1099
Independent contractors, freelancers, gig workers, and consultants. Explore coverage options that fit your work, your priorities, and your budget.
Explore options →Protection with purpose
Coverage built
around your life.
Explore personalized health coverage options with a licensed agent by your side—clear guidance, real answers, and no-pressure support.
✓ Licensed guidance✓ Personalized options✓ Free application
PHX
Protection for every season.Here for you, every step forward.
Scroll to explore ↓
Why PHX Coverage Advisory
Rise above the confusion.
Choose with clarity.
Insurance should feel like protection—not pressure. We help you understand the options available to you, weigh the tradeoffs, and move forward at your pace.
Our approach →Who we help
You build your life.
We help protect it.
For people creating their own path—and the families behind them. PHX offers personal guidance on medical, dental, and vision options, with availability based on your location and eligibility.
Individuals & Families
Whether you are covering yourself, your spouse, or your family, get personal guidance to compare options around the people and care that matter most.
Explore options →
Small Business Owners
Building a business comes with enough decisions. Get help exploring coverage for yourself and your family, and discussing options for your team.
Explore options →
The PHX promise
Rooted in guidance.
Built to protect.
Like a Joshua tree standing through every season, the right protection is built on strong roots. Our role is to bring clarity to the process and help you find coverage aligned with your priorities.
“Life is unpredictable.
Your protection shouldn’t be.”
Personal guidance
Professional standards.
Personal commitment.
PHX Coverage Advisory was built around a simple belief: clients deserve clear explanations, responsive support, and an advisor who treats their protection like it matters.
FL
Florida licensed professional2-15 Life, Health & Variable Contracts Agent
Joshua Zion Gabriel Behlen · License G326721 · Issued July 6, 2026
01 Clear communication02 Personalized attention03 Long-term support
Start a conversation →Verified credentials
Licensed to guide.
Committed to serve.
Joshua Zion Gabriel Behlen is licensed by the Florida Department of Financial Services as a 2-15 Life, Health & Variable Contracts Insurance Agent.
- License number
- G326721
- Issued
- July 6, 2026
A simpler way forward
Three steps.
One clear path.
Tell us what matters
Share your priorities, doctors, prescriptions, and ideal monthly range.
Compare your options
A licensed agent helps you understand the details—not just the monthly price.
Apply with confidence
When you are ready, we guide you through the application and next steps.
Start here
Your next chapter
starts with a conversation.
Tell us what you are looking for. We will help you explore options and understand the next step.
Complimentary consultationNo fee. No obligation to enroll.
✓
No-pressure guidanceAsk questions. Compare options. Decide confidently.
The client experience
A five-star standard of guidance.
Clear communication, respect for your time, and personal support—before, during, and after your application.
Clarity first
Understand the coverage, costs, and tradeoffs in plain language before making a decision.
Personal support
Get responsive, one-on-one guidance from application through enrollment and beyond.
No-pressure service
Explore your options confidently, ask every question, and move forward at your own pace.
What clients can expect
Trusted guidance.
Real peace of mind.
Every conversation is built around clarity, patience, and helping you understand your options without pressure.
Simplified guidance
Complex coverage details explained clearly, so you can understand your options and make an informed decision.
The PHX service standardAn advisor who listens
Personal attention focused on your health needs, priorities, and budget—not a one-size-fits-all recommendation.
The PHX service standardSupport beyond enrollment
Responsive guidance throughout the application process, with a licensed advisor available for the road ahead.
The PHX service standardVerified client reviews will be published here with permission as they become available.
Good to know
Clear answers.
Confident decisions.
The questions worth asking before you choose your coverage.
Can you help if I’m self-employed or a 1099 contractor?
Yes. PHX helps self-employed professionals, independent contractors, business owners, individuals, and families explore coverage that fits their needs and budget. Options depend on your state and eligibility.
How do I know which plan is right for me?
Start with your doctors, prescriptions, expected care, and budget. We help you compare monthly premiums, deductibles, cost sharing, and plan limitations so you understand what you are choosing.
Can I keep my current doctors and hospitals?
That depends on the specific plan and network. Before enrolling, confirm each provider participates in the exact plan you are considering. A familiar network name alone does not confirm participation.
Does a $0 deductible mean I pay nothing for care?
No. Depending on the plan, copays, coinsurance, benefit limits, exclusions, and other charges may still apply. We explain the policy details so you can understand your potential costs.
Will my prescriptions and pre-existing conditions be covered?
Coverage depends on the policy. Marketplace plans cover pre-existing conditions; other products may have different eligibility rules and limitations. Review prescription benefits, exclusions, and any waiting periods before enrolling, and answer application questions accurately.
When can my coverage begin?
Start dates depend on the product, enrollment rules, application processing, and any required approval. Confirm your effective date and required payment before relying on new coverage.
Can I explore dental and vision coverage separately?
Yes. You can ask about medical, dental, and vision options together or separately. Benefits, provider networks, waiting periods, and availability vary by plan.
What should I have ready for our consultation?
Have your ZIP code, who needs coverage, desired start date, and comfortable monthly budget ready. Keep your current plan details and provider or prescription list available for your conversation; please do not submit medical details through the contact form.
Is the consultation free, and do I have to enroll?
The consultation is complimentary, with no obligation to enroll. Submitting the form requests a conversation; it does not submit an insurance application or activate coverage.
What happens after I request a consultation?
Joshua will follow up using the contact information you provide to discuss your priorities and available options. Coverage and pricing are confirmed through the applicable plan and enrollment process.