How I'm Paid
You should know exactly how the person advising you makes money. Here it is in plain words.
The insurance company pays me
When you enroll in a plan through me, the insurance company that issues the plan pays me a commission. That's the whole arrangement. You don't get a bill from me, there's no sign-up fee, and there's nothing to pay if you decide not to buy.
Your price is the same either way
Marketplace premiums are set by the insurance company and approved for your area, and they're the same on HealthCare.gov as they are with a licensed agent. Private plans are priced by the insurance company based on your age, location and health answers. In both cases, working with me doesn't add anything to your premium.
How I keep the advice about you
Commissions are not the same for every company or every type of plan, and I'm not going to pretend otherwise. What I can promise is how I work:
- I put the Marketplace, with your real tax credit, next to private options so you can see both.
- I tell you which one I'd choose in your shoes, and why.
- If the Marketplace is the better buy, I enroll you there.
- If the coverage you already have is the right one, I tell you to keep it.
- If another licensed professional is a better fit for what you need, I point you to them.
Why I'm putting this in writing
Health insurance has a reputation problem, and a lot of it comes from people not knowing who's paying whom. My business runs on reviews and referrals, so being upfront is good for you and for me. If anything about how I work isn't clear, ask me. I'm licensed in 31 states (NPN 21032307), and you can check my licenses on the licenses page.
For the bigger picture on broker pay across the industry, see how health insurance brokers get paid.
Common questions
Do I pay you anything?
No. There's no fee to work with me, before or after you enroll. The insurance company pays me.
Will my premium be higher because I used a broker?
No. Marketplace premiums are the same whether you enroll on your own or with a licensed agent, and private plans are priced by the insurance company, not by me. You don't pay extra for my help.
Do some plans pay you more than others?
Commissions differ between companies and between plan types. That's exactly why I show you the options side by side and tell you which one I'd choose for your situation, including when the answer is a Marketplace plan.
What if I don't buy anything?
Then I don't get paid, and that's fine. Plenty of conversations end with me telling someone to keep the coverage they have.
Questions? Ask me directly.
No cost and no pressure. I'll give you a straight answer, by phone or video, in English or Spanish.