JP SaintAmourSaintAmour Health Call
Licensed Health Insurance Advisor · Tampa, Florida

Care without compromise.

The right health plan, explained by a real person who answers his own phone.

I’m JP SaintAmour, an independent health insurance advisor licensed in 17 states. I compare private, Marketplace, dental, vision and life plans side by side and tell you which one fits, even when it isn’t the one I sell. Never a fee.

Call (269) 953-2357 Book a time that suits you

7 days, 8 a.m.–10 p.m. ET

  • Licensed in 17 states
  • NPN 21146876, verifiable
  • U.S. Army Infantry veteran
  • Never a fee to you
JP SaintAmour, licensed health insurance advisor in Tampa, Florida
JP SaintAmourLicensed advisor · Tampa, FL

JP SaintAmour is a licensed independent health insurance advisor based in Tampa, FL (Florida license G340342, NPN 21146876), helping self-employed people and early retirees under 65 compare private, ACA/Marketplace, dental, vision and life coverage across 17 states. SaintAmour Health operates SmartHealthMatch.com, a free, neutral matching service. There is never a fee to the client.

Start here

What brought you here?

Pick the one that sounds like you. Each page tells you what I’ll check first and what to expect.

I work for myself

Self-employed, freelance, or an LLC owner paying full price since the enhanced credits expired.

I’m a 1099 contractor

Variable income, no HR department, and coverage that has to move with you.

I’m retiring before 65

Bridging the years between your last paycheck and 65 with the right plan for each year.

I need a plan for my family or myself

Between jobs, off a spouse’s plan, a new baby, or a second opinion on what you have.

I own a small business

Covering yourself, a spouse, or a handful of people without a big-company plan.

I live outside the 17 states

Use SmartHealthMatch, the free matching service I built. One licensed advisor for your state, never sold.
How it works

One real conversation, then the numbers

1

We talk. Call, text, or book a time. I ask about your household, your income, your doctors, and what you pay now. No medical questions on this website, ever.

2

I run it both ways. Your Marketplace price with any credit you qualify for, and, if you’re healthy, a private quote. You see them side by side with the trade-offs in plain English.

3

You decide. I enroll you and stay. The goal is to finish in one call. After that I’m your contact for claims questions, changes, and next year’s renewal.

About JP

Before insurance, I was an infantryman in the 10th Mountain Division, 2020 to 2023.

Iron Man of my OSUT company, selected for a Scout Platoon at Fort Drum, and training as a sniper when that career ended early. I started in property and casualty insurance in Michigan and moved to health coverage because it matters more to the people I serve. “Care without compromise” is the line on my business card. In practice it means telling you the truth about a plan even when the truth costs me the sale.

Read my story and check my licenses
Outside my 17 states?

I built SmartHealthMatch so nobody gets sold to a call center.

SmartHealthMatch is a free, neutral matching service I operate with partner advisors. You answer a few questions, you are matched with one licensed advisor for your state, and your information is never sold or auctioned. If you live in one of my 17 states, skip the form and call me directly.

Try the free 2-minute check
Michigan

Need auto or home insurance in Michigan?

I focus on health coverage. For auto and home in Michigan, I send people to a friend I trust: Rench Insurance, an independent agency in Battle Creek.

Visit Rench Insurance
Common questions

Things people ask before they call

Does it cost anything to work with you?

No. Insurance carriers pay me a commission when a policy is issued, so my advice is free to you whether you enroll or not. Commission rates can differ between carriers and plans, and I will tell you how I am paid on any plan I recommend.

Which states are you licensed in?

Seventeen: Florida, Texas, Michigan, Indiana, Iowa, Kansas, Kentucky, Maryland, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Utah, Virginia and West Virginia. Every license number is on the states page. If you live elsewhere, SmartHealthMatch will match you with a licensed advisor for your state.

What is the difference between a Marketplace plan and a private plan?

Marketplace (ACA) plans are guaranteed issue, cover pre-existing conditions, and may come with a premium tax credit based on your income. Private plans are underwritten: the carrier looks at your health and can decline you, charge more, or exclude a condition, which is also why they can cost less for healthy households. They are not ACA coverage. I compare both so you can see which one actually fits.

Can I change my plan in the middle of the year?

Marketplace plans usually change only during open enrollment, which for 2027 coverage runs November 1, 2026 to January 15, 2027 (HealthCare.gov, checked September 14, 2026). A life event such as losing other coverage, getting married, moving, or having a baby opens a special enrollment period. Private plans take applications year-round, subject to approval. Call me and I will check what you qualify for right now.

How much does health insurance cost?

It depends on your age, county, household income, and the plan. Many people still qualify for a tax credit that lowers the monthly price a lot. The only honest answer is a quote for your actual household, which takes one call and costs nothing.

Do you help with dental, vision, and life insurance too?

Yes. Standalone dental and vision plans, and simple term life coverage, either alongside your health plan or on their own. See what I place.

How fast can I be covered?

The comparison and the application are built to fit in a single call. Marketplace start dates follow enrollment rules; private plans start on the date the carrier approves the application. I will tell you the earliest realistic date for your situation before you commit.

Let’s talk

Call me, text me, or pick a time.

One conversation, the numbers run both ways, and an honest answer. That’s the whole pitch.

(269) 953-2357

Book a time Send a message

Email JP@SaintAmourHealth.com · 7 days a week, 8 a.m.–10 p.m. ET