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Contact Kincaid Solutions

Tell us how we can help

Complete the short form below so we can understand what you’re looking for and connect you with the right next step.

Whether you have a question about coverage, need help reviewing your current insurance, or want to explore your options, sharing a few details first helps us respond with more relevant guidance.

We typically respond within one business day.

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A few details help us serve you better

Tell us what you need help with and the best way to reach you. Once submitted, our team can review your information before following up.

  • Helps us understand your insurance needs
  • Gives our team context before we contact you
  • Makes your follow-up conversation more productive
What happens next

We’ll review your message and follow up

  1. 01

    Submit Your Information

    Complete the form above with a little context about what you need.

  2. 02

    We Review Your Request

    Our team reviews your information so we understand your situation before reaching out.

  3. 03

    We Follow Up

    A Kincaid Solutions team member will contact you to answer questions and discuss the appropriate next step.

Kincaid Solutions

Dayton, Ohio Licensed in 23 U.S. states

Business hours

Monday–Friday 9:00 AM–5:00 PM ET

Frequently asked questions

Questions we hear most

If yours isn’t here, send it using the form above or call us — there is no charge for a question and no obligation attached to the answer.

Call +1 937-787-5082
What does health insurance cost when you’re self-employed?

It depends on your age, location, household income, and the plan you choose. Many self-employed clients qualify for premium tax credits through the Marketplace that lower monthly costs significantly. We’ll show you both Marketplace and off-Marketplace options side by side so you can make an informed choice.

Can I keep my doctor?

Often, yes. Before recommending a plan we check carrier provider networks for the doctors, specialists, and hospitals you already use. If keeping a specific provider matters to you, we’ll prioritize plans that include them in-network.

When can I enroll? What is a Special Enrollment Period?

Most people enroll during the annual Open Enrollment Window (typically November to mid-January). Outside that, life events like marriage, the birth of a child, loss of job-based coverage, or moving can qualify you for a Special Enrollment Period of 60 days. We’ll help you determine if you qualify and how to enroll.

What’s the difference between major medical and defined-benefit plans?

Major medical plans (ACA / Marketplace) cover essential health benefits, have out-of-pocket maximums, and meet federal coverage requirements. Defined-benefit plans pay set amounts for specific services and are typically less expensive but offer less catastrophic protection. We’ll walk through where each makes sense.

Do you help small businesses set up employee coverage?

Yes. We help small business owners design group coverage, set up Health Reimbursement Arrangements (HRAs), and use Health Matching Accounts to reward and retain employees — without the overhead of a traditional group plan when that’s the better fit.

How do you work with nurse practitioners and HRT providers?

Through our partnerships with ELITE NP and HRTU, we serve healthcare professionals nationwide. We help nurse practitioners and HRT providers find affordable personal coverage and set up plans for their patients and staff.

Is there any cost to use an independent agent?

No. Our services are 100% free to you. Insurance carriers pay agents directly when a policy is placed, and the rates are the same whether you buy directly or work with us. The difference is you get personalized guidance and ongoing support at no extra cost.

Let’s build your coverage

Let’s find coverage that works for you.

Free, no-obligation guidance. We compare plans, check your doctors, and only recommend what actually fits.

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