FAQ
Questions I get
If yours isn't here, text me and I'll answer it.
How much does it cost to work with a health insurance agent?+
Nothing. It's free to work with me — insurance carriers build the agent's compensation into the plan whether or not you use one, so you pay the same premium either way. You just get someone comparing your options and answering your calls.
Why is the price the same through you as going direct?+
Carriers build agent pay into the plan's price whether or not you use an agent, so the same plan costs the same from the carrier, on the Marketplace, or through me. What you get through me is the comparison, and someone who picks up when you have a question later. More on how I'm paid.
Can I get health insurance if I'm self-employed or 1099?+
Absolutely — that's who I help most. Self-employed people, 1099 contractors, and freelancers have two main paths: ACA Marketplace plans (guaranteed acceptance, possible income-based subsidies) and private PPO plans (they ask health questions and can say no, but are often lower cost with broader networks for healthy applicants). I'll compare both for your situation.
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 private plan priced on your age and health can cost less for some young, healthy people. You'd give up your employer's share and the pre-tax deduction, and private plans can decline applicants or exclude pre-existing conditions, so I compare the real numbers before you change anything.
What's the difference between private health insurance and the ACA Marketplace?+
ACA Marketplace plans accept everyone, cover pre-existing conditions, and offer income-based subsidies, but are often HMOs limited to open enrollment. Private PPO plans are medically underwritten — you can be declined — but for healthy applicants they often cost less, offer broad nationwide networks, and can be bought year-round.
Can I enroll any time, or only during open enrollment?+
ACA Marketplace plans generally require open enrollment (about Nov 1 to mid-January) unless you have a qualifying life event like losing coverage. Private medically-underwritten plans can be applied for year-round; they ask health questions and can decline you.
What states are you licensed in?+
19 states: Colorado, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin. Coming soon: Nevada, Iowa, and Montana; until then I can connect you with a licensed agent I trust. In Alabama, Arkansas, Delaware, Louisiana, Mississippi, Nebraska, South Dakota, West Virginia, and Wyoming, I can connect you with a licensed agent too. Based in the Tampa, FL area.
Will you pressure me or sign me up for something I don't need?+
No. My job is to find the right fit, not the biggest sale. If a Marketplace plan is your better deal, I'll tell you. No pressure, no spam calls.
Is this a government site?+
No. This is my own site. I'm an independent licensed insurance agent, and I'm not HealthCare.gov or affiliated with or endorsed by any government agency.
How do I get started?+
Start a free quote on this site, or call or text (813) 601-6884. I usually respond the same day.
