A trade-only agency — every advisor here works exclusively with HVAC, refrigeration, and mechanical-trade clients.
Our founder spent twelve years as a residential service tech before getting his insurance license. He watched too many crew members go uninsured because the only agents they talked to didn't understand seasonal income, couldn't explain why an accident rider mattered for rooftop work, and quoted them plans built for office workers.
In 2018 a journeyman tech on his old crew fell from a commercial roof and shattered his ankle. He had a short-term medical plan that excluded fractures from heights. The total out-of-pocket — surgery, rehab, eight weeks off the truck — was over $31,000.
That's the story behind CoolCover Health. We're a trade-only agency because trade coverage deserves trade-specific advice. Same advisors, same phone number, year after year.
To make trade-aware health coverage standard for every HVAC technician, refrigeration mechanic, and shop owner in the country — through honest, independent advice that costs the tech nothing.
CoolCover Health is licensed to sell health, dental, vision, life, and supplemental insurance in all 50 states. Our advisors are appointed with all major carriers including:
Four hard-earned observations from the trade floor — the kind of context a generic insurance broker would never bring to your first call.
Cooling season is fat — winter slack is lean. Most HVAC pros assume that variable income disqualifies them from subsidies or makes coverage unaffordable. The opposite is closer to true: ACA subsidies are calculated on projected annual self-employment income, and the marketplace reconciles overpayment or underpayment at tax time. We help techs project conservatively and avoid the year-end surprise.
R-410A and the new A2L refrigerants have known acute exposure profiles, and frostbite from line-set leaks is a real ER visit. Standard plan brochures don't mention any of this — but the accident-coverage rider attached to your plan absolutely does. We make sure the rider you're quoting actually pays out for the events HVAC techs end up in the ER for.
Owners with 6 to 12 techs hear horror stories about administrative load and runaway premiums. In practice, a small-group plan in 2025 is mostly handled through a single carrier portal, contributions can be tiered, and many shops find that a basic group medical plan costs them less per tech than the bonuses they're already paying to keep good ones from leaving.
The 26th birthday cliff catches a lot of second-year apprentices off guard. Short-term catastrophic plans look cheap on the surface but exclude almost everything a working tech actually uses coverage for. We steer young apprentices toward bronze ACA plans with HSAs — cheaper net cost with real network access.
"I'm a 2nd-year apprentice and I aged off my mom's plan three months ago. I thought I was stuck with whatever junk plan I could find online. My CoolCover advisor walked me through a real ACA bronze plan with subsidies. Took 25 minutes total."
Tyrese BookerHVAC Apprentice · Cleveland, OH
"Refrigeration work means rooftops, ladders, and freezers all winter. My old broker put me on a plan that excluded short-term disability — exactly the rider I needed. CoolCover swapped me onto something built for the trade and the monthly came out lower anyway."
Priya SubramanianCommercial Refrigeration Tech · Jersey City, NJ
"I ran my own residential HVAC business for nine years without a single day of health coverage. After a torn meniscus sidelined me for six weeks, I finally called CoolCover. They quoted me a bronze ACA plan paired with an accident rider that would have paid out for the knee in full. I'm covered now — and I tell every tech I subcontract with to call them first."
Marcos DelarosaOwner-Operator, Delarosa Comfort Systems · Phoenix, AZ
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