Real, reliable, custom insurance, designed to protect your family and your future.

Ongoing Client Support

Not Just Enrollment โ€” Long-Term Guidance

Client-First Strategy

Insurance Built For You

Guidance You Can Trust

No Hidden Deductibles or Fine Print

Nationwide PPO Access

Private, Medically Underwritten Plans

31
States Licensed
100%
Free to You โ€” Paid by Carriers
5 min
Average Consultation Time

How It Works

Getting the right coverage is simpler than you think. Here's what to expect when you reach out.

1

Tell Me About Your Needs

We have a quick 20-minute call where you share your budget, preferred doctors, and what matters most to you in a plan.

2

I Compare Your Options

I shop across all my carrier appointments and build a side-by-side comparison โ€” no sales pressure, just clear information.

3

You Choose With Confidence

Once you're enrolled, I stay with you โ€” answering questions, reviewing at renewal, and making sure your coverage still fits.

Coverage Options I Can Help With

From individual health plans to supplemental coverage โ€” I'll walk you through every option clearly and honestly.

๐Ÿฉบ

Individual & Family Plans

Compare premiums, deductibles, provider networks, and out-of-pocket costs to find a plan that fits your life and budget โ€” not just the cheapest premium.

๐Ÿข

Small Business Coverage

Group-style options and benefit strategies that help you attract and retain employees while keeping your monthly costs manageable and predictable.

๐Ÿ›ก๏ธ

Supplemental Coverage

Add accident, critical illness, dental, vision, or hospital indemnity options to build a complete protection picture that leaves no major gaps.

๐Ÿ‘ฉ

Transparent. Education-Focused. On Your Side.

I help individuals and families secure private PPO coverage built for long-term protection, not short-term fixes. If a plan isn't right for you, I'll say it.

Licensed in 31 states ยท NPN #22102407 ยท No cost to you

What Clients Are Saying

Real reviews from real people โ€” on Google, Facebook, and Trustpilot.

๐Ÿ“˜ Facebook Review
"She is very clearly interested in educating and informing rather than making a quick sale. She consistently recommends plans that meet the INDIVIDUAL needs of the customer."
โญ Trustpilot Review
"After asking only a few questions, she was able to suggest and help pair me with an insurance plan that fit my needs. When I called them, I was without insurance, very nervous โ€” they understood immediately."

Frequently Asked Questions

Plain-language answers to the questions I hear most often.

How do I know which plan is right for me?

I compare your budget, preferred doctors, expected medical usage, and risk tolerance so the plan makes sense both month-to-month and when you actually use it.

Can you help me understand deductibles and networks?

Yes. I break down the tradeoffs between premiums, provider networks, and total out-of-pocket exposure in a jargon-free way so you know exactly what you're getting into.

How much does your service cost?

Nothing. I'm a licensed independent agent paid directly by the insurance carriers. The plan pricing is identical whether you go through me or buy directly โ€” you just get expert guidance for free.

What if I already have a plan โ€” can you review it?

Absolutely. Many clients come to me mid-year or at renewal to make sure their current plan still makes sense. I'll compare it against current options at no charge.

Do you work with families and small businesses?

Yes โ€” I assist both personal coverage shoppers and small business owners looking to offer competitive benefits to their team.

How do I get started?

Call or text 904-428-9171 or click "Get a Quote Now" above. No obligation, no pressure โ€” just a clear, honest conversation about your coverage options.

What states are you licensed in?

I'm currently licensed in 31 states: Alabama, Arkansas, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming.

Let's Talk Coverage

Reach out by phone, text, or the form below. No obligation โ€” just a clear, honest conversation.

๐Ÿ“ž
Call or Text
904-428-9171
โœ‰๏ธ
Email
[email protected]
๐Ÿ•
Response Time
Usually within a few hours
๐Ÿ’ฐ
My Fee to You
Always free โ€” paid by carriers

Send a Quick Message

Ready to find the right plan?

Call or text me directly โ€” free, fast, and with zero pressure.

๐Ÿ“ž 904-428-9171
๐Ÿ‘ฉ

Ella Miller Knagge

Licensed Health Advisor ยท Self-Employed Specialist ยท NPN #22102407

I help individuals and families secure private PPO coverage built for long-term protection, not short-term fixes. My process is transparent and education-focused, so you understand exactly what you're paying for and why.

If a plan isn't right for you, I'll say it. My goal is simple: real coverage that works when you need it most.

Licensed in 31 states and appointed with the nation's top carriers, I specialize in helping people who are self-employed, between jobs, or looking for a stronger alternative to marketplace plans โ€” and I stay with my clients long after enrollment.

31
States Licensed
100%
Free Service
5 min
Avg Consultation
๐ŸŽ“

Education First

I make sure you understand every part of your plan before you sign anything โ€” no jargon, no pressure.

๐Ÿ”

Honest Recommendations

If a plan isn't right for you, I'll tell you. My long-term reputation matters far more than any single sale.

๐Ÿ“ž

Ongoing Support

I don't disappear after enrollment. I'm here when renewal comes around or questions arise mid-year.

๐Ÿ’ฐ

No Cost to You

My services are 100% free. I'm compensated directly by the carriers โ€” the plan price is identical either way.

Health Insurance for Self-Employed & Small Business Owners

I'm appointed with leading health carriers so you have real choices โ€” not just one company's plans.

Cigna PPO

Flexible PPO coverage for individuals and small businesses, with access to a broad provider network and nationwide care.

Get a Quote โ†’

UnitedHealth Choice Plus PPO

A nationwide PPO network offering broad provider choice and access to private health insurance options.

Get a Quote โ†’

Blue Cross Blue Shield / Anthem

PPO coverage with a broad provider network and access to doctors and hospitals across the country.

Get a Quote โ†’

Florida Blue

Florida-based coverage options for individuals and families, including PPO plans and short-term medical coverage.

Get a Quote โ†’

Additional Carrier Appointments

Ambetter
Oscar Health
Molina
Aetna
Pivot Health
Companion Life
National General
+ More

Licenses & Credentials

Active health insurance licenses in 31 states, state-regulated and in good standing.

National Producer Number
#22102407
Verify at
NIPR.com
License Type
Health & Life
โœ”
Alabama
โœ”
Arkansas
โœ”
Colorado
โœ”
Delaware
โœ”
Florida
โœ”
Georgia
โœ”
Illinois
โœ”
Indiana
โœ”
Iowa
โœ”
Kansas
โœ”
Kentucky
โœ”
Louisiana
โœ”
Maryland
โœ”
Michigan
โœ”
Mississippi
โœ”
Missouri
โœ”
Montana
โœ”
Nebraska
โœ”
Nevada
โœ”
North Carolina
โœ”
Ohio
โœ”
Oklahoma
โœ”
South Carolina
โœ”
South Dakota
โœ”
Tennessee
โœ”
Texas
โœ”
Utah
โœ”
Virginia
โœ”
West Virginia
โœ”
Wisconsin
โœ”
Wyoming

All licenses active and in good standing  ยท  National Producer #: 22102407  ยท  Verify at NIPR.com

What Clients Are Saying

Real reviews from real clients โ€” on Google, Facebook, and Trustpilot.

โ˜… Leave a Review on Google

Frequently Asked Questions

Plain-language answers to the questions I hear most often.

How do I know which plan is right for me?

I compare your budget, preferred doctors, expected medical usage, and risk tolerance so the plan makes sense both month-to-month and when you actually use it.

Can you help me understand deductibles and networks?

Yes. I break down the tradeoffs between premiums, provider networks, and total out-of-pocket exposure in a jargon-free way so you know exactly what you're getting into.

How much does your service cost?

Nothing. I'm a licensed independent agent paid directly by the insurance carriers. The plan pricing is identical whether you go through me or buy directly โ€” you just get expert guidance for free.

What if I already have a plan โ€” can you review it?

Absolutely. Many clients come to me mid-year or at renewal to make sure their current plan still makes sense. I'll compare it against current options at no charge.

Do you work with families and small businesses?

Yes โ€” I assist both personal coverage shoppers and small business owners looking to offer competitive benefits to their team.

How do I get started?

Call or text 904-428-9171 or click "Get a Quote Now" above. No obligation, no pressure โ€” just a clear, honest conversation about your coverage options.

What states are you licensed in?

I'm currently licensed in 31 states: Alabama, Arkansas, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming.

Let's Talk Coverage

Reach out by phone, text, or the form below. No obligation โ€” just a clear, honest conversation.

๐Ÿ“ž
Call or Text
904-428-9171
โœ‰๏ธ
Email
[email protected]
๐Ÿ•
Response Time
Usually within a few hours
๐Ÿ’ฐ
My Fee to You
Always free โ€” paid by carriers

Send a Quick Message

๐Ÿ”’ Open enrollment windows close. Free quote available now โ€” speak with a licensed agent today.