Health insurance built for business owners and 1099 professionals.
Employer benefits that can cut payroll taxes, plus ACA and private plans for the self-employed.
Insurance can be a headache.
The paperwork, the jargon, the endless fine print — it’s enough to make anyone cringe.
That’s where we come in. At Berning Family First, we put your family at the heart of everything we do. We shop, compare, and explain your options to find quality coverage that fits your life and your budget — seamlessly, and with zero stress.
Insurance may not be fun, but with a friend in your corner, it doesn’t have to be painful.
Berning Family First — BFF: your friend in protection.
Ready to see what we can do for your family?
Book a free 15-minute call. No pressure, no jargon.
1099 and self-employed
No employer plan? You still have good options.
- ACA-compliant individual plans
- Private health plans with PPO networks
- Dental, vision and supplemental benefits
- Possible tax advantages for business owners
Group coverage for employers
Health plans for your team, with options at different price points and levels of flexibility.
- PPO, EPO and HSA-eligible plans
- Dental, vision and supplemental benefits
- Eligibility and group size depend on the carrier and state
Tax savings program
Reduce payroll taxes by up to $1,120 per employee per year (before program fees) while adding benefits your team can use.
- Works alongside the health plan you already offer
- Take-home pay stays the same in the sample paycheck
- Eligibility requirements apply
Savings vary by payroll. I’ll show exact numbers in writing before you decide anything.
Medicare beneficiaries
Turning 65 or reviewing your plan? Get the four parts, supplements, Advantage and drug coverage explained simply.
- Medicare Supplements and Advantage plans
- Prescription drug coverage
- A free side-by-side comparison
What clients say
Reviews coming soon
I’m building my review page with real clients. Want to be one of the first? Book a consultation and let’s talk.
Ready to enroll yourself?
Choose your medical plan online, then add dental, vision, hospital indemnity, accident, critical illness and life coverage in the same visit.
Let’s talk it through
Free consultation. No obligation.