FAQ
What people ask me
If yours isn't here, text me and I'll answer it.
Do I pay you anything?+
No. The carrier sets one premium for a plan, and that number doesn't move whether an agent helped you or not. My commission comes out of the carrier's side. What you add by working with me is the comparison, and a person who answers later.
So the premium isn't higher if I enroll through you?+
Correct. A plan carries one price in your state, and it's the same from the carrier, on the Marketplace, or through me. Agents are paid out of that price, never on top of it. The full breakdown of who pays me.
I'm 1099 and nobody offers me a plan. What are my options?+
That describes a lot of my clients. You can buy a Marketplace plan, which accepts everyone and may come with a premium tax credit based on your income, or apply for a private plan, which for healthy applicants often comes in lower with a PPO network. I price both for you.
Am I overpaying for my employer's health insurance?+
Maybe. At most jobs, everyone on the same plan pays the same paycheck deduction whether they're 24 or 60, and adding a spouse often costs a lot more. A plan priced on your age and health can come in lower for some young, healthy people. You'd give up your employer's share and the pre-tax deduction, so we put the real numbers on a screen share before you change anything.
How is a private plan different from a Marketplace plan?+
They run on opposite rules. The Marketplace takes every applicant, covers conditions you already have, and discounts the premium by income, but many of its plans are local HMOs tied to an enrollment window. A private plan prices you as one person, so someone healthy can get a lower price and a wider PPO network, and it can start most months. Which one fits is what the call and the screen share settle.
Do I have to wait for a sign-up window?+
For the Marketplace, usually yes: Open Enrollment runs from November 1 to mid-January, and outside the window a qualifying life event, such as losing other coverage, is the only way in. A private plan doesn't follow that calendar. Once approved, it can usually start the first of next month.
Can you write a plan where I live?+
In 19 states, yes: Colorado, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin. Nevada, Iowa, and Montana are in progress. Anywhere else, including Alabama, Arkansas, Delaware, Louisiana, Mississippi, Nebraska, South Dakota, West Virginia, and Wyoming, I'll hand you to a licensed agent I know personally. My office is in Odessa, FL.
What if I only want information right now?+
Then that's what you get. You leave with numbers, and I follow up only if you ask me to. When the Marketplace or your work plan beats anything I sell, that's the recommendation you'll hear.
Is this a government site?+
No. This is an independent agent's own website. It isn't HealthCare.gov, and it is not affiliated with or endorsed by any government agency.
How do I get started?+
Fill out the 60-second form, or call or text (813) 601-6884. During business hours you'll usually hear back within a few hours.
