Independent Health Insurance Broker

Health Coverage You
Can Count On

Personalized guidance to find the right health insurance plan for you, your family, or your business — with no pressure, no jargon, and no cost to you.

100% Free to You
230+ Carriers Compared
ACA Year Round Enrollment
Medicare Expert Guidance
Licensed & Independent Broker
Individuals, Families & Groups
Unbiased Plan Comparison
Ongoing Support After Enrollment

Coverage for Every Stage of Life

Whether you are self-employed, between jobs, approaching Medicare, or building a team — we find the plan that fits your life and your budget.

Individual Health Insurance

Finding affordable individual health insurance does not have to be complicated. We compare ACA Marketplace plans, short-term coverage, and private alternatives to match you with the lowest-cost plan that covers your doctors, prescriptions, and preferred network — with zero broker fees.

Family Health Insurance

Family health insurance plans should protect every member of your household without breaking the budget. We compare employer-sponsored, ACA marketplace, and private family plans — balancing deductibles, copays, and premium costs to find the right fit for your family's size, age, and healthcare needs.

Medicare Plans

Choosing between Original Medicare, Medicare Advantage, and Medigap supplement plans is one of the most important decisions you will make. We specialize in Medicare plan comparison, helping you understand Part A, Part B, Part C, and Part D so you enroll in the right plan before the deadline — avoiding costly late penalties.

Group & Employee Benefits

Small business health insurance is one of the most powerful tools for attracting and retaining top talent. We design group benefits packages — medical, dental, vision, and voluntary benefits — that fit your company's budget while giving your employees the comprehensive coverage they value most.

Independent Contractor Coverage

Self-employed and gig workers need health insurance that flexes with variable income. We find 1099 contractor-friendly plans — including marketplace subsidies, health share options, and short-term medical — that deliver real coverage without the paycheck-to-paycheck premium strain.

Dental, Vision & Ancillary

A complete benefits strategy goes beyond medical. We help you add dental insurance, vision coverage, and supplemental plans — including accident, critical illness, and hospital indemnity — to fill the gaps your major medical plan leaves behind and protect your total wellbeing.

Coverage Tailored to Your Situation

Whether you're an individual, a family, self-employed, or a business owner — we find the right plan for your specific needs.

Small Business · 1–49 Employees

Group Benefits for Small Businesses

You don't need to be a large corporation to offer meaningful health benefits. For businesses with 1 to 49 employees, offering group coverage is one of the most powerful tools for attracting and retaining great people — and it's more accessible than most owners realize.

We work directly with small business owners to design benefits packages that are ACA-compliant, competitively priced, and easy to manage. From choosing the right plan structure to handling employee onboarding, we do the heavy lifting so you can focus on running your business.

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Benefits Available for Your Team

  • Medical: ACA-compliant fully-insured group health plans (HMO, PPO, HDHP)
  • Dental: Preventive, basic, and major dental coverage for the whole team
  • Vision: Exam, frames, contacts, and corrective lens benefits
  • Life & Disability: Group term life, short & long-term disability
  • Voluntary Benefits: Accident, critical illness, and hospital indemnity plans
  • HSA / HRA: Tax-advantaged accounts paired with high-deductible plans
Large Business · 50+ Employees

Comprehensive Benefits for Growing Businesses

Businesses with 50 or more full-time equivalent employees are Applicable Large Employers (ALEs) under the ACA — meaning offering affordable health coverage to full-time employees is a legal requirement, not just a competitive advantage. Non-compliance can trigger significant IRS penalties.

We help growing businesses navigate ACA compliance while building a full benefits strategy that attracts top talent, supports employee wellbeing, and stays within budget. From fully-insured group plans to self-funded and level-funded alternatives, we compare every option to find the right fit for your workforce size and goals.

Get a Business Quote

Benefits Available for Your Workforce

  • Medical: Fully-insured, self-funded, and level-funded plan options
  • Multi-Tier Plans: HMO, PPO, and HDHP options to accommodate diverse workforce needs
  • Dental & Vision: Employer-sponsored group dental and vision with broad networks
  • Life & Disability: Group term life, AD&D, short & long-term disability
  • Voluntary Benefits: Supplemental accident, critical illness, hospital indemnity, and more
  • HSA / HRA / FSA: Full account strategy to maximize employee tax advantages
  • ACA Compliance: Employer mandate guidance and reporting support (Forms 1094-C / 1095-C)
Individual Coverage

Health Insurance for Individuals

Whether you're self-employed, between jobs, or simply need coverage outside of an employer plan — finding the right individual health insurance doesn't have to be overwhelming. We compare ACA Marketplace plans, short-term coverage, and private alternatives to match you with a plan that covers your doctors, prescriptions, and preferred network at the lowest cost.

Rising premiums and potential changes to ACA subsidies make it more important than ever to review your options now. We check your subsidy eligibility and identify plans you may not have known were available.

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What We Do For You

  • Compare ACA Marketplace, short-term, and private plans side-by-side
  • Check your eligibility for premium tax credits and subsidies
  • Verify your doctors and prescriptions are in-network before you enroll
  • Explain deductibles, copays, and out-of-pocket maximums in plain language
  • Assist with Special Enrollment Periods due to life events
  • Zero broker fees — our guidance is completely free to you
Family Coverage

Health Insurance for the Whole Family

Your family's health deserves dependable protection. From employer-sponsored plans and ACA Marketplace options to private family plans and alternative solutions — families have more choices today than ever before. We balance deductibles, copays, premiums, and network access to find the plan that protects every member of your household without breaking the budget.

Whether you're adding a new baby, managing ongoing medical needs, or simply looking for better value, we build a strategy tailored to your family's size, ages, and healthcare priorities.

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Family Coverage Options

  • ACA Marketplace family plans with subsidy optimization
  • Employer-sponsored plan review and comparison
  • Private family plans for broader provider flexibility
  • Health sharing programs for budget-conscious households
  • Pediatric dental and vision coverage coordination
  • Guidance through qualifying life events (marriage, new baby, job change)
Independent Contractors

Flexible Coverage for the Self-Employed

Being a 1099 contractor, freelancer, or gig worker comes with freedom — but finding affordable health coverage without an employer behind you can feel expensive and overwhelming. Without group rates, you're responsible for securing a plan that protects your health without draining your income.

We specialize in helping self-employed professionals find coverage that makes financial sense. From ACA plans with subsidy eligibility to health sharing programs and direct primary care memberships, there are real options available — even with variable or seasonal income.

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Built for Independent Workers

  • ACA Marketplace plans with income-based premium subsidies
  • Health sharing programs with lower monthly contributions
  • Direct primary care memberships for routine care
  • Short-term coverage for gaps between contracts
  • HSA-eligible plans to maximize tax advantages
  • Year-round enrollment guidance for income changes
Medicare Enrollment

Medicare Enrollment Made Simple

Choosing between Original Medicare, Medicare Advantage, and Medigap supplement plans is one of the most important — and most confusing — decisions you will make as you approach 65. Miss a deadline and you may face lifelong late-enrollment penalties. Choose the wrong plan and you could be overpaying for coverage that doesn't match your health needs.

We specialize in Medicare plan comparison, walking you through Parts A, B, C, and D in plain language so you understand exactly what you're enrolling in and why — well before the deadline.

Get Medicare Guidance

Medicare Enrollment Support

  • Original Medicare (Part A & B) explained clearly
  • Medicare Advantage (Part C) plan comparison across carriers
  • Medigap / Supplement plan selection (Plans G, N, and more)
  • Part D prescription drug plan review and formulary check
  • Initial Enrollment Period and Special Enrollment Period guidance
  • Help avoiding late-enrollment penalties that last a lifetime
ACA Enrollment

ACA Marketplace Enrollment

The ACA Health Insurance Marketplace offers Bronze, Silver, Gold, and Platinum plans — but navigating metal tiers, network types, subsidy eligibility, and open enrollment windows without guidance can lead to costly mistakes. Many people leave premium tax credits on the table or unknowingly enroll in plans that don't cover their doctors or medications.

We guide you through every step of ACA enrollment — checking your subsidy eligibility, comparing real plan options in your area, and making sure you're enrolled in a plan that actually works for your life before the deadline closes.

Get ACA Help Now

ACA Enrollment Services

  • Premium tax credit and cost-sharing reduction eligibility check
  • Side-by-side plan comparison: Bronze, Silver, Gold, Platinum
  • Provider and prescription formulary verification before enrollment
  • Open Enrollment and Special Enrollment Period guidance
  • APTC reconciliation advice to avoid surprise tax bills
  • Year-round support for income changes and life events
Shannon Edwards - Health Insurance Broker
100% Independent
& Unbiased

Your Advocate in a Complex System

My passion is helping individuals, families, self-employed professionals, and small business owners nationwide navigate the often-complex world of insurance. I specialize in creating comprehensive protection strategies that bring clarity and confidence to your future. As an independent health and life insurance broker with Audax Benefit Advisors, I'm not tied to any single provider. Instead, I leverage my direct relationships with over 230 carriers to objectively find optimal plans and preferred rates, ensuring your coverage precisely aligns with your unique health, life, and financial needs.

My approach is built on truly listening and taking the time to understand your specific circumstances. This allows me to anticipate potential coverage gaps and proactively identify opportunities for premium savings and enhanced benefits that might otherwise be overlooked. From essential health and life insurance to supplemental plans and dental coverage, I coordinate all aspects of your insurance portfolio to provide seamless and robust protection.

I believe in being a long-term partner, not just a policy provider. I remain actively engaged long after implementation, serving as your dedicated advocate and adjusting coverage as your life evolves. My clients particularly value my proactive communication about market changes and new options, bringing clarity and confidence to their coverage strategy.

Outside of work, I find joy in exploring new places through travel, appreciating the performing arts, trying new recipes and getting lost in great books, and, of course, cherishing time with my family. These experiences enrich my life and reinforce my commitment to helping others protect what matters most to them.

I genuinely look forward to the opportunity to serve as your trusted insurance partner, ensuring you receive the comprehensive coverage and personalized attention you deserve, and ultimately, the peace of mind you seek.

Honest, Unbiased Advice I'm not captive to any carrier. I shop the full market and recommend only what genuinely serves your interests.
Deep Expertise My years of hands-on experience across ACA plans, Medicare, group benefits, and supplemental coverage mean you always get informed guidance.
Support That Does Not Stop at Enrollment I stay in your corner all year — for billing questions, claims issues, and plan changes at renewal time.
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The Difference an Independent Broker Makes

Most people settle for the first plan they find. Our clients get the right plan — because we do the work of comparison so you don't have to.

Access to the Full Market

We are contracted with dozens of carriers. That means objective comparisons and no incentive to push one plan over another — only what is best for you.

Zero Cost to You

Our services are completely free to clients. We are compensated by the insurance carriers at no markup to your premium — ever.

Matched to Your Doctors & Medications

We verify that your preferred providers and prescriptions are covered before recommending a single plan. No surprises after you enroll.

Fast Turnaround

We respond quickly and respect your time. Most clients have their top plan options in hand within 24 hours of their first conversation.

Annual Review & Renewal Support

Plans and prices change every year. We proactively review your coverage at renewal to make sure you are still on the best plan for your situation.

Plain-English Explanations

No jargon. No information overload. We translate deductibles, copays, coinsurance, and networks into language that actually makes sense.

Getting Covered Is Simple

Three easy steps stand between you and a health plan you can actually feel good about.

1

Tell Us Your Needs

Fill out the quick form and schedule a call. Share your household, budget, preferred doctors, medications, and any coverage priorities. No obligation — just a conversation.

2

Audax Compares Plans

Audax shops across over 230 carriers and 3,500 products, filtering plans based on your specific needs — verifying your preferred providers are in-network along with medication coverage.

3

You Choose the Best Fit

Audax previews your top options over the phone or through a shared video conference to answer any questions and explain how the coverage works — before your approval.

Get Your Free Quote

Takes less than 3 minutes. No commitment, no spam — just your personalized coverage options.

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