James Daniel
Pagliaro
& Associates | Licensed Health Insurance Advisor
JDPA Health Solutions, LLC.
Peace of mind over policies -
People over everything.
The industry sells policies,
I build relationships
My approach starts with you, your life, your situation, and going from there to find the coverage option that actually fits.
I personally specialize in “private-market” health and accident plans for self-employed individuals, small business owners/workers, and early retirees across Pennsylvania. Whether you left a corporate job, launched your own business, or are navigating the gap before Medicare, I am here to make sense of your options.
Through my professional network, clients with needs beyond my own specialty are connected with trusted advisors who can help. No matter what your situation looks like, you leave with real answers.
Honest, Unbiased Guidance
I'm not beholden to any single carrier. My job is to find what's right for you, and not what pays the highest commission.
Real Conversations, Not Sales Pitches
Every consultation starts with listening. I ask the questions others skip so the coverage I recommend actually matches your life.
A Network Behind You
For needs outside my direct scope (ACA, Medicare, group/employer plans) I connect you with trusted partners rather than leaving you on your own.
Countdown to 2026 Open Enrollment
Different Plans for Different People
Marketplace/ACA
No Pre-Existing Limitations
Subject to Enrollment Periods
Income-Based Plans
Guaranteed Coverage
Self-Insured/1099
Medically Underwritten
No Enrollment Period
Health/Risk-Based Pricing
Guaranteed Renewable to Age 65
Short-term
Some Pre-Existing Limitations
No Enrollment Periods
30 Days - 12 Months Coverage
Guaranteed Issue Plans
If you're self-employed, running a small business, or navigating life without a group employer plan, the standard insurance paths often weren't built with you in mind. That's exactly where I come in.