Independent agency · Serving clients nationwide

Health insurance, explained straight.

Self-employed, between jobs, or tired of guessing? Get the right plan and check every savings program you may qualify for, with a licensed agent who works for you.

Nihal Gautam, founder of Shield & Sword
Nihal GautamFounder · Licensed Agent
Open Enrollment

Mark your calendar

Open Enrollment is the one window each year when anyone can sign up or switch plans. Miss it, and you usually have to wait for a qualifying life event.

Who we help

If work doesn’t cover you, we do.

Self-employed & 1099

Rideshare, contractors, realtors, barbers, freelancers. Coverage that goes where you go.

Lost job coverage

Losing coverage opens a 60-day window. We’ll get you covered before it closes.

Families

One plan for the whole household, with your kids’ doctors checked first.

Early retirees

Retired before 65? Bridge the gap to Medicare without overpaying.

Small business owners

Individual coverage for owners and their families, done right.

Renewal sticker shock

Premium jumped? We’ll compare options and re-check your savings.

The name means something

Two jobs. One agent.

The Shield

Your coverage. The right plan for your doctors, your prescriptions, and your budget, with every tax credit you qualify for applied.

  • Plans compared side by side
  • Doctors and prescriptions checked first
  • Savings eligibility checked on every quote
The Sword

What we do after you enroll. Most agents disappear. We pick up the phone when something goes wrong.

  • Billing errors and denied claims
  • Life changes during the year
  • Tax-form questions at tax time
Founder’s Advice

NMG breaks it down

Short videos that explain health insurance like a person, not a brochure. The first episodes are on the way.

Founder’s Advice
  1. Savings

    Why did my premium jump?

    What changed with health insurance tax credits, and how to see what you actually qualify for.

  2. Plan basics

    Bronze vs. Silver vs. Gold

    The metal levels aren’t about quality of care. Here’s what they really mean for your wallet.

  3. Plan basics

    Deductible vs. out-of-pocket max

    The two numbers that decide what a bad year actually costs you.

How it works

Simple from the first call

Tell us what matters

Doctors, prescriptions, budget, household, and estimated income.

We do the comparing

Options from the carriers we represent, with your savings applied.

You decide

No pressure. Nothing is submitted without your consent and review.

We stay in your corner

Claims, life changes, tax forms, and next year’s renewal.

Get covered right the first time

One conversation. Straight answers. No pressure to enroll in anything.