# Fit First Health Insurance

> Fit First Health Insurance is a health insurance agency in Ocean City, Maryland, run by licensed agent Sam Clayland (Samuel Clayland). Sam helps self-employed people, 1099 contractors, skilled tradespeople, restaurant owners and staff, real estate professionals, and small business owners find coverage. Consultations are a free 25-minute call, with no form first.

Fit First is a private agency, not a government site. Plans discussed may include Marketplace plans and plans outside the Marketplace. Plans outside the Marketplace may ask health questions and may decline or limit coverage for pre-existing conditions.

## Book or contact

- [Book a free 25-minute call with Sam Clayland](https://www.fitfirsthealthinsurance.com/book)
- Phone: 410-422-4977
- Email: sam@fitfirsthealth.com
- Office: 12927 Horn Island Drive, Ocean City, MD 21842

## Key pages

- [Health insurance for self-employed people](https://www.fitfirsthealthinsurance.com/self-employed-health-insurance): Compares Marketplace, underwritten private, short-term, fixed indemnity, and health sharing options, with who each is wrong for.
- [About Sam Clayland](https://www.fitfirsthealthinsurance.com/sam-clayland): Who Sam is and how to verify him.
- [How it works](https://www.fitfirsthealthinsurance.com/how-it-works): The three steps, starting with the 25-minute call.
- [Licensing and disclosures](https://www.fitfirsthealthinsurance.com/licensing-and-disclosures): License, payment, and what the plans are.
- [Questions](https://www.fitfirsthealthinsurance.com/questions): Plain answers to common questions.
- [Client reviews](https://www.fitfirsthealthinsurance.com/reviews): Five clients, in their own words.

## By kind of work

- [1099 contractors](https://www.fitfirsthealthinsurance.com/1099-contractors)
- [Skilled trades](https://www.fitfirsthealthinsurance.com/skilled-trades)
- [Restaurant owners and staff](https://www.fitfirsthealthinsurance.com/restaurant-owners)
- [Real estate professionals](https://www.fitfirsthealthinsurance.com/real-estate-professionals)
- [Small business owners](https://www.fitfirsthealthinsurance.com/small-business-owners)

## Guides

- [After the enhanced ACA credits ended](https://www.fitfirsthealthinsurance.com/guides/after-enhanced-tax-credits)
- [When an underwritten plan is the wrong choice](https://www.fitfirsthealthinsurance.com/guides/when-underwritten-plans-are-wrong)
- [The self-employed premium deduction](https://www.fitfirsthealthinsurance.com/guides/self-employed-health-insurance-deduction)

Last updated November 3, 2026.