Private
Off-exchange coverage, available year-round, often with wider networks.
- PPO options that do not wait for open enrollment
- Useful when marketplace networks are too narrow for your doctors
What I help with
One Broker. Every Carrier.
As an independent broker, I’m not limited to one company’s products. I compare what’s genuinely available to you, mix and match across carriers, and tell you where the trade-offs are.
Individual or Family Coverage
Coverage built around one person or a whole household — your doctors, your prescriptions, your budget. From there, two paths:
Marketplace / ACA
Public-marketplace plans, including the subsidies many people never claim.
- Premium tax-credit and cost-sharing eligibility checked properly
- Open enrollment and special enrollment period guidance
A fair question
What does this cost me?
Nothing extra. Insurance carriers build a broker commission into the plan’s filed premium whether or not you use one. Buying direct from the carrier does not remove that cost — it removes the person who was going to argue your corner when a claim gets denied.
“That is the whole economic case for using a broker, and I would rather state it plainly than dress it up.”
What I am paid, and by whom
- Carriers pay the commission, not you.
- It is already inside the premium either way.
- Commission rates differ between carriers, which is exactly why an independent broker should tell you when the better plan pays them less.
- Full detail on the disclosures page.
Straight answers
The questions people actually ask.
Including the awkward one about how I get paid.
01
Does using a broker cost me anything, or raise my premium?
No, and no. For individual and family coverage the carrier builds a broker commission into the plan’s filed premium whether or not you use one. Going direct to the carrier does not remove that cost — it removes the person who was going to argue your corner later.
02
How are you actually paid, then?
By the carrier, as a commission, after you enroll. Rates differ between carriers and between products, which is the obvious thing to be suspicious about with any independent broker. So: if the better plan for you pays me less, my job is to tell you that, and you are entitled to ask me what any particular recommendation pays. I will answer.
03
What don’t you handle?
This practice is individual, family, private-market and ACA marketplace health coverage. It is not a Medicare or Medicaid practice, and this site does not offer Medicare plans. If that is what you need I would rather point you to someone who does it properly than learn on you.
04
What happens at renewal?
I look at it before it happens. Plans change their premiums, their networks and their drug lists every year, and the plan that was right last November may not be right this one. You hear from me either way — including when the answer is that you should stay exactly where you are.
05
What should I have ready for the call?
Nothing, genuinely. It helps if you know roughly what you can spend each month, which doctors you want to keep, and what prescriptions you take, but if you do not have those to hand we work it out together on the call.
06
Can you help me if I already have coverage?
Often, yes — though not always at any time of year. Whether you can change depends on open enrollment and on whether you have had a qualifying life event like a job change, a move, a marriage or a new baby. Ask me and I will tell you straight away rather than after a form.
07
How do I check that you are who you say you are?
Please do. Every licensed insurance producer in the United States has a National Producer Number, and you can look mine up in the National Insurance Producer Registry, or with your own state’s department of insurance. My NPN is 20774412, and it is also on the licensing and disclosures page.