Individual Insurance

If you are self-employed or have no access to an employer-sponsored health plan 


Taking the confusion out of Medicare. Call Perry Baycroft @ 253-884-7940 or email Perry @


If you are self-employed or do not have access to an employer-sponsored health plan, individual medical insurance might be for you.

There are a few things to keep in mind when shopping for individual health insurance:

  • Rates vary according to age and smoker/non-smoker status.
  • Plans are month-to-month – no annual contracts.
  • Rates are adjusted on an annual basis. Adjustments are made for the plans and their entire pool of applicants – individuals are not singled out based on claims history.



Contact us today for assistance.

Ralph J. Brindley

Managing Partner - Luvera Law Firm

We have been using Cummings, Fraser & Associates as our insurance brokerage firm for almost ten years. They have always been very thorough in researching the market for the right plans that fit within our budget. Jane Fraser is very knowledgeable and listens carefully to our requirements. She and her staff are always available to assist our employees with their questions and concerns throughout the year. We would highly recommend Jane Fraser and her excellent staff to handle your insurance benefit program.