Honest Health Insurance For People Who Don't Have an HR Department.
Whether you're self-employed, a 1099 contractor, a small business owner, aging into Medicare, or currently uninsured — broker Riley Knight helps you secure dependable, budget-friendly private coverage without high-pressure sales.
"I work for you, not the insurance company."
Who We Help Protect Every Day
Mainstream health insurance often ignores independent workers and charges exorbitant rates. We specialize in finding tailored plans for hard-working Americans.
Self-Employed & Freelancers
Affordable, customized coverage without paying exorbitant group rates or being locked out
How We Help:
- Access to private PPO plans with lower monthly premiums for healthy professionals
- Freedom to see any doctor in nationwide provider networks
1099 Independent Contractors
Rideshare drivers, real estate agents, consultants, creatives, and independent trades
How We Help:
- One direct phone call with Riley Knight — zero spam, honest clarity
- Accident & disability supplemental riders that protect your weekly paycheck
Small Business Owners & Micro-Teams
Retain key employees and protect yourself without massive group overhead
How We Help:
- Individual coverage health reimbursement arrangements (ICHRA) guidance
- Bundled small group options or individual private plan stipends
Retirees & Those Aging into Medicare
Navigate the confusing Medicare alphabet (Part A, B, C, D, Medigap) with 40 years of expertise
How We Help:
- Personalized breakdown comparing Medicare Advantage vs. Medicare Supplement (Medigap)
- Unbiased carrier comparisons to find the lowest premium for your zip code
Uninsured Individuals Needing Affordable Coverage
We believe everyone deserves the peace of mind of quality, budget-friendly protection
How We Help:
- Discovery of high-value private plans designed specifically to fit tight budgets
- Catastrophic and high-deductible health plans with doctor-visit copays
Currently Uninsured? Don't Risk Bankruptcy.
A single emergency room visit can cost thousands. Riley specializes in discovering affordable basic and major medical options that keep you safe without breaking the bank.
Private Health Plans & Supplemental Protection
We represent top A-rated insurance carriers nationwide. One independent broker, all major plan options, customized around your specific healthcare needs.
Private Medical Insurance
Comprehensive major medical coverage with broad PPO networks
Designed for individuals and families wanting freedom to choose top doctors and specialists without restrictive HMO gatekeepers. Tailored deductibles and out-of-pocket limits.
Medicare Supplemental Insurance (Medigap)
Fill the costly out-of-pocket gaps in Original Medicare
Original Medicare (Parts A & B) leaves you on the hook for deductibles, 20% coinsurance, and excess charges with no annual cap. Medigap plans pay those unexpected costs so you have predictable healthcare expenses.
Dental & Vision Insurance
Essential preventive and restorative care with day-one benefits
Keep routine checkups, cleanings, and eye exams free or low-cost, while safeguarding against expensive root canals, crowns, implants, lenses, and designer frames.
Life Insurance (Term & Whole Life)
Guarantee your family's financial legacy and debt-free security
Protect your loved ones from mortgage burdens, living expenses, education costs, or provide permanent cash-value accumulation with personalized term lengths and whole life guarantees.
Accident & Injury Insurance
Cash payouts directly to you for unexpected injuries & ER visits
High deductibles can make sports injuries, falls, or car accidents financially crippling. Accident coverage pays tax-free cash straight to you to cover your deductible, rent, or groceries.
Cancer & Critical Illness Insurance
Direct financial shield against cancer, heart attacks & strokes
Health insurance covers hospital charges, but doesn't replace lost income, experimental therapies, travel to specialty clinics, or out-of-network experimental treatments. Get $10,000 to $100,000+ lump sum on diagnosis.
Find Your Ideal Insurance Match
Answer 3 quick questions to see which plan structure best fits your profession, family, and health budget.
Interactive Plan Matcher
1. What best describes your current employment or life situation?
What 40 Years of Service Looks Like
Real stories from self-employed contractors, small business founders, retirees, and previously uninsured folks who found peace of mind with Riley Knight.
"When you run your own commercial construction outfit, you don't have an HR department to figure this stuff out. Riley Knight took the time to explain every detail, uncovered blind spots in our old plan, and saved our family over $5,400 in annual premiums. 40 years of experience truly shows."
Marcus Vance
General Contractor & Small Business Owner
Dallas, TX
"I was drowning in healthcare marketplace junk mail and shady robo-calls. A friend referred me to Riley at Knight Insurance Services. In one 20-minute phone call, he compared four private PPO carriers, answered all my prescription questions, and got me enrolled that afternoon. Simply exceptional."
Elena Rostova
Self-Employed UX Consultant
Austin, TX
"Turning 65 was intimidating with all the Medicare paperwork. Riley treated us like his own family. He walked us through Medigap Plan G, explained the prescription drug donut hole, and set us up so we don't pay a single dime out-of-pocket for doctor visits. God bless him!"
Arthur & Margaret Henderson
Retired School Administrators
Fort Worth, TX
"When you run your own commercial construction outfit, you don't have an HR department to figure this stuff out. Riley Knight took the time to explain every detail, uncovered blind spots in our old plan, and saved our family over $5,400 in annual premiums. 40 years of experience truly shows."
Marcus Vance
General Contractor & Small Business Owner
Years in Health Insurance
Zero Broker Fees to Clients
Families & Businesses Helped
Rated Carrier Partnerships
Meet Riley Knight: 40 Years Protecting What Matters Most
In an era of automated phone menus and cold algorithm-generated insurance portals, Riley Knight brings old-school personal loyalty, continuous advocacy, and deep market knowledge. Over 40 years, he has helped thousands of families, independent workers, and small companies navigate recessions, regulatory changes, and evolving carrier landscapes.
Knight Insurance Services
"Your shield against high medical bills and confusing coverage."
1980s
Founded
50 States
Carrier Reach
Ready For Clear, Affordable Healthcare Answers?
Schedule a free introductory consultation on Riley's calendar. No pressure, no obligations, and no broker fees ever.