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Tampa, FL — Licensed in 29 States

The coverage
you need. The
clarity you deserve.

Individuals, families, and small business owners across 29 states. No confusion, no pressure — just the right plan, explained clearly.

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Sterling Watnem
Free
Consultation
29
States Licensed
NPN
22079605
01
Health Insurance
ACA, off-exchange, and supplemental plans for individuals & families.
02
Life Insurance
Term, whole, and universal life — explained simply, chosen wisely.
03
Self-Employed Plans
Specialized coverage built for entrepreneurs and 1099 contractors.
04
Small Business
Group and individual options for small business owners and their teams.
Sterling Watnem
Sterling Watnem
Health Insurance Advisor — NPN 22079605
About Sterling

Coverage made clear.

Sterling Watnem is a licensed health insurance advisor serving individuals, self-employed professionals, and small business owners across 29 states. Listen first, find the right plan second — that’s the approach.

“My job is to make sure you understand exactly what you’re getting — before you sign anything.”

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Services

The right plan for every situation.

01
Health Insurance

ACA marketplace, off-exchange, short-term, and supplemental coverage — matched to your life and budget.

02
Life Insurance

Term, whole, and universal life explained clearly. Protect your family without the guesswork.

03
Entrepreneur & Business

Built for the self-employed and small business owners who need premium coverage without the corporate package.

Client Feedback

What clients are saying.

Sterling made something I’d been dreading for years completely painless. He explained every option clearly and helped me choose a plan I feel confident about.

Rebecca T.
Tampa, FL — Individual Plan

As someone self-employed for years I never thought I could get decent coverage at a price I could manage. Sterling found me something better than I expected.

Chris M.
Orlando, FL — Self-Employed Plan

He wasn’t trying to push me toward anything. He genuinely listened and gave me exactly what I needed. The follow-up after enrollment was a great touch too.

Amanda & Kyle R.
St. Pete, FL — Family Plan

Not sure where to start?
The first call is always free.

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About Sterling

Honest advice.
Clear coverage.

A licensed health insurance advisor known for clarity and genuine client focus. Serving individuals, self-employed professionals, families, and small business owners across 29 states.

“I don’t believe in confusing people into decisions. I believe in making sure you understand every option — and letting you choose.”

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Sterling Watnem
National Producer Number
NPN: 22079605
By the Numbers
29
States where Sterling is licensed
Free
Every consultation, always
3
Core clients: individuals, self-employed, small business
NPN
22079605 — Verify at nipr.com

Sterling Watnem built his practice on one premise: people deserve to understand what they’re buying before they buy it. In an industry known for complexity and pressure, Sterling takes the opposite approach — patient, transparent, and focused entirely on finding the right fit.

He works with individuals and families navigating the ACA marketplace for the first time, self-employed professionals who’ve never had employer-sponsored coverage, and small business owners looking to provide for their teams without the corporate overhead.

“Coverage shouldn’t feel like a gamble. The right plan makes sense before you need it.”

Licensed across 29 states and available by phone or video, Sterling serves clients nationwide without sacrificing the personal attention that makes the difference. Every consultation is free, every recommendation is explained clearly, and every client leaves knowing exactly what their plan covers.

Whether you’re getting coverage for the first time, switching plans, or looking for something better — Sterling Coverage Solutions exists to make the process straightforward and the outcome one you feel confident about.

Sterling and Lani

Sterling with fiancée — Honolulu, Hawaii

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What We Stand For

Built on these principles.

Radical Clarity
Every plan explained in plain language. No jargon, no confusion — just honest guidance you can act on.
Client First, Always
Recommendations based on what’s right for you — not what generates the highest commission.
Long-Term Relationships
Sterling stays your advisor through renewals, questions, and life changes — not just at enrollment.

Want an advisor who keeps it simple and honest?

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What We Offer

The right plan for your situation.

From ACA marketplace plans to life insurance and business coverage — tailored to your life, supported long after enrollment.

Book a Free Quote Call  📅
Health Insurance — Individuals & Families
Life Insurance — Term, Whole & Universal
Self-Employed & Entrepreneur Plans
Small Business Owner Coverage
Health Insurance
Health Insurance
01

Health Insurance

First-time buyer, switching from an employer, or looking for something better — we research your options and walk through exactly what each plan covers and costs.

  • ACA marketplace & off-exchange plans
  • Individual and family coverage
  • Short-term and supplemental options
  • Subsidy qualification guidance
  • Annual review & renewal support
Book a Health Quote Call  📅
Life Insurance
Life Insurance
02

Life Insurance

The right policy protects your family’s financial future without overcomplicating your budget. We explain the difference between term and permanent coverage — clearly, without pressure.

  • Term life insurance
  • Whole life & permanent coverage
  • Universal life solutions
  • Final expense planning
  • Legacy and estate protection
Book a Life Quote Call  📅
Entrepreneur Plans
Entrepreneur & Business
03

Entrepreneur & Business Plans

Self-employed or running a small business shouldn’t mean settling for subpar coverage. Plans built for freelancers, contractors, and small business owners.

  • Self-employed individual & family plans
  • Small group coverage options
  • HSA-compatible tax-advantaged plans
  • 1099 contractor guidance
  • Business owner life insurance
Book a Business Quote Call  📅

Still figuring out what you need?
Let’s talk it through — free.

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The Process

Straightforward from start to finish.

No complexity. No pressure. Here’s exactly what working with Sterling looks like.

Step by Step

How we work together.

01
Book a Free Call

Schedule directly on Calendly — pick any time that works for you. No phone tag, no waiting.

📅 30 min — Pick your time online
02
We Listen First

Sterling takes time to understand your health needs, family situation, budget, and goals before making a single recommendation.

Phone or Video · No Pressure
03
Plan Research

Sterling researches available options from top-rated carriers that match your situation. The homework is done for you.

Typically within 24 hours
04
Clear Walkthrough

Your best options presented side by side in plain language. You’ll know exactly what each plan covers, costs, and the real differences.

No Jargon · No Pressure
05
Enrollment & Ongoing Support

Sterling handles enrollment and stays your advisor long after — for questions, claims, and annual renewal reviews.

Year-round · Ongoing
Start with Step 1 — Book Your Free Call  📅
FAQ

Answers to common questions.

Yes — completely. No charge, no commitment, no pressure. Book on Calendly and Sterling will be there ready to help.
Sterling is compensated by the insurance carriers, not by you. Your plan costs the same whether you use an advisor or go directly — expert guidance at no extra cost.
Absolutely. Free plan reviews are always available. If your current plan is the best option, you’ll hear that. If there’s something better, you’ll see exactly what the difference looks like.
More than most people realize. ACA plans, off-exchange options, HSA-compatible plans with real tax advantages — book a call and we’ll walk through everything available to you.
AL, AR, CO, DE, FL, GA, IA, IL, IN, KS, KY, LA, MD, MS, MT, NC, NE, NV, OH, OK, SC, SD, TN, TX, UT, VA, WI, WV, and WY — 29 states total. All consultations by phone or video.

Ready to get started?
Step one costs nothing.

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Get in Touch

Let’s find your plan.

The easiest way to start is to book a free call directly on Calendly. Pick a time — Sterling will be there.

Contact Info

Reach Sterling directly.

Licensed In
AL, AR, CO, DE, FL, GA, IA, IL, IN, KS, KY, LA, MD, MS, MT, NC, NE, NV, OH, OK, SC, SD, TN, TX, UT, VA, WI, WV & WY
◆  NPN: 22079605 — Verify at nipr.com
Ready to get started?
Book a free 30-minute call — pick any time that works for you.
Book Your Free Call  📅
or send a message