Who is Rohr Health Advisors?
Rohr Health Advisors is an independent health insurance brokerage in Tampa, Florida, run by Cavin Rohr (NPN 21388659). It helps self-employed people, 1099 contractors, families, and small businesses compare health coverage across 29 states. It is not affiliated with any government agency or the federal Health Insurance Marketplace.
What states is Rohr Health Advisors licensed in?
29 states: Alabama, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming. The license is verifiable under NPN 21388659 through the NAIC or the Florida Department of Financial Services.
Do health insurance brokers charge a fee?
No. Independent brokers are paid a commission by the insurance carrier, and that commission is already built into the premium whether you use a broker or not. Enrolling directly does not make the plan cheaper — the carrier simply keeps the commission instead.
Is it better to use a broker or buy health insurance online?
The price is identical either way, so the question is whether you want help. Buying online means choosing from one site's menu and handling claims, billing, and renewals yourself. A broker compares carriers, checks whether your doctors and prescriptions are actually covered before you enroll, and remains reachable afterward.
Can I get health insurance if I'm self-employed?
Yes. Self-employed people, freelancers, and 1099 contractors buy individual coverage rather than getting it through an employer. Both ACA Marketplace plans and non-Marketplace options are available, and which is cheaper depends mostly on your income and health history.
Does Rohr Health Advisors sell Medicare plans?
No. The focus is under-65 coverage — individuals, families, the self-employed, and small businesses. If you are approaching 65, Cavin will point you to someone who specializes in Medicare rather than take the case.
How do I verify a health insurance broker's license?
Ask for their National Producer Number and look it up. Cavin Rohr's NPN is 21388659, verifiable through NAIC State Based Systems at sbs.naic.org or the Florida Department of Financial Services at licenseesearch.fldfs.com. Any licensed broker should give you that number without hesitating.
What does it cost to talk to Cavin Rohr?
Nothing, and there is no obligation to enroll. The first conversation is roughly 20 minutes covering household, income, the doctors you want to keep, and the prescriptions you take. Nothing is sold on that call.
