About Us
About William (Bill) Clayland
Bill Clayland is a Pennsylvania Based-licensed health & life insurance agent focused on helping Individuals & families find coverage that actually fits their lives.
He founded Clayland Insurance Benefits to help Them gain clear Acces to the wonderful & amazing Health Care professionals and Doctors all across the us and to provide honest alternatives to traditional Government sponsored corporate health plans. Based in Littlestown, PA, he works directly with individuals and families to design practical coverage—no call centers, no pressure, and no one-size-fits-all policies.
Guidance from someone who cares
What Bill Believes
- People deserve to understand their health insurance
- Coverage should fit lifestyle, not Government sponsored corporate rules
- Local agents should be reachable before and after enrollment
How Bill Works With Clients
- Listens first, explains options clearly
- Designs coverage around real needs and budgets
- Stays available for questions and support
Why Traditional Insurance Fails
Most families are stuck with expensive employer plans or ACA marketplace plans loaded with restrictions.
Problems with traditional insurance:
Limited to in-state providers only
Expensive co-pays
Months-long waits for specialists
One-size-fits-all plans
Premium increases every year
If you're self-employed, a contractor, or small business owner, you deserve better options.
Why Our Insurance is Built for Real Families like yours
Clayland Insurance Benefits was created to solve a problem we see every day: People paying too much for health insurance they don’t fully understand or need and will rarely use. For many self-employed professionals, tradespeople, and active families Government sponsored corporate ACA plans feel like the only option. Premiums keep rising, choices are limited, and getting a straight answer can be difficult. Most people are left choosing plans without knowing what they’re actually paying for.
“Price transparency is essential to putting families first in healthcare.”
We believe there should be better options—and clearer guidance.
How Free Market Insurance Works
A simpler, smarter way to get health coverage — without government marketplaces or employer lock-in.
You Choose Your Coverage
Not your employer. Not the government. You choose a plan that actually fits your life, doctors, and budget.
Private Market Plans, Not ACA Marketplace
These are privately offered plans designed for flexibility, affordability, and real-world use — especially for self-employed and small business owners.
Lower Monthly Costs
Free-market plans are often significantly cheaper than ACA plans because they’re not burdened with government mandates and bloated pricing structures.
Faster Access to Care
Skip the long waits. Many free-market plans offer quicker specialist access and broader provider options.
Personalized Guidance from a Local Agent
No call centers. No automated nonsense. You work with a local advisor who explains your options clearly and honestly.
Simple Enrollment, Ongoing Support
Enrollment is straightforward, and support doesn’t disappear after you sign up. You get real help before, during, and after enrollment.
Authorized & Trusted Agency Partners
Proudly working with established carriers and benefit providers to serve Pennsylvania families
Service Areas
Serving Pennsylvania Maryland & Delware
Rooted in the Community
Clayland Insurance Benefits serves individuals and families across Pennsylvania, Delaware and Maryland with a strong local presence in Adams County and York County PA. We work with people who want straightforward guidance from someone who understands the community, not a distant call center.
Many of our clients include:
Self-employed individuals and 1099 contractors
Small and medium-sized business owners and employees
Restaurant and Cafe owners and All of their staff
Real estate professionals and sales professionals
Tradespeople, managers, and high earners
If you’re paying full price for individual insurance or unsure how long ACA subsidies will last, we help you understand realistic alternatives.
Our Process
Your Path to Better Coverage
1: Start the Conversation
Fill out our short form or call us directly. We’ll schedule a quick phone call to understand your needs, goals, and current coverage.
2: Review Personalized Options
We gather the right information, design coverage options for you and your family, and meet virtually or in person to review what works best.
3: Get Covered and Supported
We handle the paperwork and finalize your customized plan—then stay available to support you before, during, and after enrollment.
A simple, guided process designed around you—not insurance companies
Common queries
Frequently Asked Questions
Q: Is this the same as ACA or Marketplace health insurance?
A: No. We offer alternative coverage options that work alongside or outside the ACA. These plans are often a better fit for healthy individuals and families who want more flexibility and lower costs.
Q: Who qualifies for these health plans?
A: These plans are designed for individuals and families who are generally healthy and can pass basic medical underwriting. We’ll review your situation and let you know quickly if you’re a good fit.
Q: Are there copays or deductibles?
A: Many plans include first-dollar coverage and no copays for eligible services. Coverage details vary, and we’ll explain exactly how your plan works before you enroll.
Q: Can I keep my doctor?
A: Provider access is broader than many traditional plans, and care is available both in and out of Pennsylvania. We’ll help you check provider options during your review.
Q: What happens after I enroll?
A: We stay involved. You’ll have access to support tools, advocacy services, and direct help from our office whenever questions come up—before, during, and after enrollment.
Q: How much does it cost to get a quote?
A: Nothing. Quotes are free, and there’s no obligation. Our goal is to help you understand your options so you can make a confident decision.