Independent agency. Darius Mills is licensed in all 50 states.
Stop overpaying for health insurance. Keep the coverage.
We compare plans from 48 carriers and put the right one in front of you in plain English. We've helped over 450 clients save an average of $350 a month. There's no cost to talk with us, and no broker fees after you sign up. Results vary. Savings are not guaranteed.
- No cost to talk
- No obligation
- Applications often approved within 24 hours
There's no cost to talk with us, and no broker fees after you sign up.
Florida office, service nationwide by phone and video.
Applications are often approved within 24 hours, and coverage can start as soon as the 1st of the month. On Marketplace plans, that's during open enrollment or a qualifying special enrollment period.
- Over 10Years of combined experience
- 48Carriers we compare
- $10MIn premiums since we opened
- 50States Darius is licensed in
The honest version
If your premium keeps climbing, you are not imagining it.
Rates often go up at renewal. Networks quietly shrink. The plan that made sense three years ago may now be costing you hundreds a month for benefits you never touch.
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You are paying for benefits you never use
Rich plans look safe on paper. If your family is healthy, you may be funding coverage that sits untouched every single month.
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Your doctor quietly left the network
Networks change at renewal and nobody calls to tell you. One visit out of network can wipe out a year of premium savings.
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You never checked if you qualify for help
You may qualify for a premium tax credit and not know it. We'll check for free and tell you either way.
Start where you are
Tell us who you are. We will show you what actually fits.
Four situations, four very different answers. Pick the one that sounds like you.
Coverage that protects the whole household
Most families come to us paying for a plan somebody sold them once and never revisited. We start with your doctors, your prescriptions, and what you can comfortably spend, then work backwards to the plan.
- ACA Marketplace plans with a live subsidy check so you know exactly what you qualify for.
- Private PPO options when you want a wider network and faster access to specialists.
- Dental, vision, and accident add ons priced separately so you only buy what you need.
- A real deductible plan that fits how your family actually uses care.
Medicare without the mailbox avalanche
The month you turn 65 your mailbox fills up with offers that all look the same. We cut through it. One conversation, an honest comparison, and a plan that matches your doctors and your prescriptions.
- Medicare Advantage compared side by side on network, drug tiers, and extras you will actually use.
- Medicare Supplement guidance when predictable costs matter more than a low premium.
- Part D prescription plans checked against your current medication list before you enroll.
- Renewal reminders and help with your plan after you enroll.
Benefits your team values and your budget survives
Good people leave over benefits. We build group coverage that helps you keep them without handing your margin to a carrier. Businesses of any size, from 1 to 100+ employees, are in our wheelhouse.
- Small group health plans quoted across the full market, not one carrier's shelf.
- Group plan options compared side by side, so you can weigh cost against coverage.
- Defined contribution strategies so you set the budget and your team picks the plan.
- Free census review that shows exactly where your current spend is leaking.
Coverage built for income that moves
When you work for yourself, nobody hands you a benefits packet. Income swings, open enrollment sneaks up, and one bad month should not cost you your coverage. We build around that.
- Income based subsidy planning for 1099 earners with an uneven year.
- Short term and gap coverage to bridge a contract change or a move.
- Plans with telehealth and virtual care, so a sick day doesn't have to cost you a client.
- Coverage that follows you when you move states or take work on the road.
What we place
Every kind of coverage, one place to compare it.
You should not need three agents and four phone calls. We handle the whole picture, and we tell you when a product is not worth buying.
ACA Marketplace Plans
Full subsidy analysis, network checks, and a straight answer on which metal tier makes sense for how your household uses care.
Private PPO Plans
Wider networks and lower premiums for healthy households that do not qualify for a meaningful subsidy.
Medicare Advantage
Compared on the things that matter: your doctors, your drug list, and what the plan actually pays when you need it.
Medicare Supplement
Medigap coverage for people who want predictable costs and freedom to see any provider that takes Medicare.
Part D Prescriptions
We run your current medication list through the formularies before you enroll, not after your first pharmacy surprise.
Dental and Vision
Standalone policies or bundled add ons, priced so you can see exactly what the extra benefit is costing you.
Short Term and Gap
Temporary coverage between jobs, outside open enrollment, or while you wait for a group plan to start.
Small Business Group
Group health plans for businesses of any size, 1 to 100+ employees, plus a free review of what you have now.
Telehealth and Virtual Care
Many plans include virtual urgent care and mental health visits. We'll help you find one that does.
Quick estimate
See what you could stop paying.
Slide across to your current monthly premium. The estimate assumes a 30% reduction to show how the math works. It's a starting point, not a quote, and it costs you nothing to find out the real number.
Illustration only. Results vary. Savings aren't guaranteed and depend on your situation.
Illustration only. Your actual premium depends on your age, ZIP code, household income, tobacco use, carrier, and the plan you choose. Savings are not guaranteed. We will give you exact numbers on your call.
How it works
Three steps. Book a call, we compare your options, we apply together.
No forms that go nowhere, no sales script, no follow up campaign you cannot escape.
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01
Tell us the basics
Answer a short set of questions about your household, your doctors, and your budget. Nothing invasive, nothing you need paperwork for.
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02
Talk it through with someone on our team
Pick a time that works. We walk you through the two or three plans that genuinely fit, explain the tradeoffs, and answer whatever you throw at us.
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03
We handle the application
We apply together. After you enroll, we're still here for renewal reminders and help with your plan.
Often approved within 24 hours
Why people stay with us
The difference between a broker and a call center.
Four reasons our clients renew with us instead of shopping around again next year.
- No cost to talk. There's no cost to talk with us, and no broker fees after you sign up.
- We are independent. We're not tied to one carrier, and we have access to 48 carriers.
- A real person picks up. One licensed broker who knows your file, your doctors, and your renewal date.
- We stay after the sale. Denied claim, surprise bill, new baby, new job, new state. Call us first.
Meet your broker
Darius Mills built this to be the opposite of a call center.
Darius runs Creative Health Solutions out of Melbourne, Florida. He's licensed in all 50 states, and our team brings over 10 years of combined experience. We work with clients in every state, by phone or video.
- Million Dollar Rookie of the Year, 2023 (Vogt Insurance Partners).
- Founder and Senior Broker, licensed in all 50 states. Access to 48 carriers.
- A team, not a script. Darius leads a team that works with you from the first call through renewal.
Client reviews
What people say after the first call.
What clients say, in their own words.
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“Darius is extremely knowledgeable and cares about his clients. Can't believe how much money he saves people on health insurance.”
Cassie McDowell -
“Support when I needed it! Such a great experience I was afraid it was too good to be true!”
Jennifer Murphy -
“I had a wonderful experience and Darius is a pleasure and so knowledgeable and professional and very quick to get things done!”
Giovanna Tuttolomondo
Results vary. Savings are not guaranteed.
Areas we serve
Florida roots. Licensed coast to coast.
Our office sits in Melbourne on Florida's Space Coast, and our license does not stop at the state line. Wherever you live, you work with the same team, by phone or video.
Check your state
Pick where you live and we will tell you what is available.
Questions people ask
Answers, before you pick up the phone.
Does using a broker cost me extra?
No. There's no cost to talk with us, and no broker fees after you sign up. You get someone in your corner at renewal, too.
What types of health insurance do you offer?
Individual and family plans, ACA Marketplace coverage, private PPO plans, Medicare Advantage, Medicare Supplement, Part D prescription plans, standalone dental and vision, short term and gap coverage, and group health for businesses of 1 to 100+ employees.
How do I know if I qualify for a subsidy?
If your household income falls inside a certain range you may qualify for a premium tax credit under the Affordable Care Act. The range depends on your household size and where you live. We run the numbers with you on the call and tell you the exact figure, including whether a private plan would beat it.
How long does it take to get coverage?
Applications are often approved within 24 hours, and coverage can start as soon as the 1st of the month. On Marketplace plans, that's during open enrollment or a qualifying special enrollment period. We'll go over your start date with you before you apply.
Can I get insurance outside of open enrollment?
Often, yes. A qualifying life event opens a special enrollment period. Losing employer coverage, moving to a new state, getting married, having a baby, or aging off a parent's plan all count. Private and short term options are also available all year.
Can I get coverage for preexisting conditions?
Yes. Under the Affordable Care Act every major medical plan must cover preexisting conditions, and you cannot be charged more or turned away because of them. Short term plans work differently, so we will flag that before you consider one.
What if I work for myself?
That is a large part of our client book. Freelancers, gig workers, contractors, and owner operators all come to us because their income moves and their coverage needs to keep up. We look at Marketplace subsidies, private options, and short term bridges side by side.
Which states do you serve?
All 50 states. Our office is in Melbourne, Florida, and we work with clients nationwide by phone and video. Plan availability varies by county, so your ZIP code determines what we can actually put in front of you.
What documents do I need to apply?
Usually a photo ID, an estimate of your household income for the year, and Social Security numbers for everyone you want on the plan. Nothing needs to be gathered before your first call.
Free quote
One honest conversation is all this takes.
Fill this out and we'll come back with real plans and real numbers. No fee, no obligation, and no adding you to a mailing list you cannot leave.
- A short form. Nothing invasive, and both text boxes are optional.
- A licensed broker reviews it. Not an algorithm, not a lead reseller.
- We don't sell your information. We share it only to quote or enroll you when you ask, and with the service providers who help us run things. Your text-message consent is never shared for marketing.
Get your free quote
Tell us who needs coverage and how to reach you. A licensed broker reviews it and comes back with real plans and real numbers.
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Creative Health Solutions