Private Health Coverage · Est. by the Caldwell Family
You've worked hard to build a good life. Your health plan should reflect that. Caldex Health builds private coverage strategies for high-performing individuals and growing businesses — with a real advisor beside you, not a call center.
Start here
See prices on your own in a minute, build a complete benefits package, or talk it through with a licensed Caldex advisor. Whichever you choose, there's no fee.
Enter your ZIP and ages to compare short-term medical, health sharing and fixed indemnity plans side by side.
Start with a health plan, then add dental, vision, accident, hospital, critical illness and life coverage.
Book a free call and a licensed Caldex advisor will compare plans with you, check your doctors and prescriptions, and help you enroll.
Online pricing is currently available in Alabama, Florida, Indiana, Kentucky, Louisiana, Michigan, North Carolina, Ohio, and Texas. Everywhere else, book a free call and an advisor will quote your area. Prices are estimates; final rates are set by each carrier.
Who We Serve
You're healthy, active, and self-sufficient. You don't need the cheapest plan — you need the right one. We find private PPO and HSA-eligible options that give you full access and real flexibility without overpaying.
Whether you have 2 employees or 50, a strong benefits package is how you attract and keep great talent. We design group health strategies that fit your budget and make your business a place people want to stay. Learn more →
Your family's needs change fast. We build private plans with room to grow — comprehensive networks, strong maternity and pediatric coverage, and an advisor who updates your plan as your life does.
How It Works
A focused 30-min conversation. Your health, your doctors, your budget, your goals. No forms, no pressure.
We pull from 100+ private plans and shortlist only the ones that genuinely match your situation. No filler.
We walk you through the final choice in plain language, handle enrollment, and confirm every detail is correct.
Renewals, claims questions, life changes — you have a real advisor on call. Enrollment is just the beginning.
What We Offer
Our core focus is private health plans for individuals and businesses. We also advise on ACA marketplace options and life insurance for clients who need a complete picture.
PPO, HMO, HDHP, and HSA-eligible plans from top private carriers. We match your network needs, preferred doctors, and deductible comfort to the right plan — not just the cheapest option.
Group health plans for teams of 2 to 50. We design benefit packages that genuinely compete for talent, walk you through contribution strategies, and handle all carrier communications. Learn more →
For clients who qualify for tax credits or prefer marketplace options, we navigate the ACA landscape and find the best value — including plans that pair well with an HSA strategy.
Term and permanent life options for individuals and business owners who want a complete financial protection picture. We advise on structure and carrier selection without pushing products.
The Caldex Standard
Most brokers move on the moment you sign. Caldex was built differently — the Caldwell name is on every plan we guide you through, which means our standard of care doesn't stop at enrollment.
"Our clients aren't looking for the cheapest option. They're looking for the right one — and someone who understands the difference."
— Caldex Health · Est. by the Caldwell Family
A dedicated advisor, not a call center
You get a dedicated licensed advisor from our team who knows your plan, your history, and your preferences. Every time you reach out, you're talking to someone who already knows the context.
We explain what your plan actually means
Deductibles, out-of-pocket maximums, coinsurance, network tiers — we translate every detail so you know exactly what you have before you need it.
No pressure, no upselling
We earn trust by giving honest recommendations, not by moving you toward the most expensive option. The right plan for you is the one we push for.
We advocate when claims get complicated
Denied claims, billing errors, coverage disputes — we step in and fight for you because our name is attached to your plan.
Annual reviews as your life changes
New income, new employees, new family members — we proactively review your coverage at renewal so you're never paying for a plan that no longer fits.
Meet the team
Caldex Health is a licensed insurance agency in Oviedo, Florida. When you call, text or book, you reach a member of our team, not a call center, and the same people stay with you after you enroll.
Common Questions
Before You Book
No surprises, no pressure, no script. Just a clear idea of what the next 30 minutes actually look like before you commit to anything.
Your income range, household, health needs, current doctors or medications, and what's actually prompting you to look at coverage right now.
Private plans, ACA marketplace options, or both — whichever genuinely fits, explained without jargon and without assuming you already know the terminology.
Cost, network, deductible — we'll tell you what we'd actually choose in your position, not just hand you a list and walk away.
Ready to enroll? We start the paperwork. Need to think about it? That's completely fine — there's no pressure to decide on the call.
"I'd rather you leave the call genuinely informed than rushed into a decision." — Devin Caldwell, Founder
Get Started
Book a free 30-minute consultation. We'll learn your situation, explain your options, and give you a clear recommendation — with zero obligation and zero pressure.
Caldex Health · Independent licensed insurance agency · Devin Caldwell, Licensed Agent, NPN 20206030 · Florida resident license; licensed in additional states. License status can be verified at nipr.com.
Important disclosures. Caldex Health offers ACA-compliant health plans as well as products that are not comprehensive health insurance. Fixed indemnity plans pay a set dollar amount for covered events; they are not health insurance, do not pay based on your actual medical bills, and are not a substitute for comprehensive coverage. Short-term medical plans are not ACA-compliant, may exclude pre-existing conditions, and do not cover all essential health benefits. Health care sharing ministries (such as OneShare Health) are not insurance companies, their programs are not insurance, and payment of medical expenses is not guaranteed. Supplemental, dental, and vision plans have limitations and exclusions. Unless stated otherwise, these products are not minimum essential coverage under the Affordable Care Act. Plan availability, benefits, and pricing vary by state, and not all plans are available in all states. Caldex Health may be compensated by insurance carriers when you enroll. Caldex Health is not affiliated with or endorsed by HealthCare.gov, the Health Insurance Marketplace, Medicare, Medicaid, or any government agency. To explore comprehensive coverage on your own, visit HealthCare.gov or call 1-800-318-2596 (TTY 1-855-889-4325).