“If you’re buying insurance on your own, the plan you picked probably wasn’t built for you.”
It was built for the healthiest version of you. The marketplace makes it easy to pick a premium and move on. What it doesn’t show you is the deductible you’ll face before coverage kicks in, whether your doctors are actually in-network, or what your prescriptions will cost under that formulary. The plan that looks affordable in January can cost you thousands by June.
It's Overwhelming — Here's What Most People Struggle With
Picking the wrong Medicare plan can cost you thousands:
Choosing the wrong plan and paying thousands out of pocket for care you thought was covered
Missing enrollment deadlines and getting hit with penalties that last the rest of your life
Finding out your doctor doesn't accept your plan after you've already enrolled
Discovering your medications aren't covered when you're standing at the pharmacy counter
“When you call the number on the letterhead, you’re not talking to someone who knows your doctors.”
You’re talking to a call center. They don’t know your preferred hospital, your specialist, or whether your medications are covered. They know the plan options on their screen. A local independent broker knows the networks, knows the carriers, and has no incentive to steer you toward the more expensive plan. That’s a different conversation entirely.
It's Overwhelming — Here's What Most People Struggle With
One wrong choice can cost you thousands:
Paying full price when you qualify for subsidies you didn't know existed
Choosing the cheapest premium and getting hit with a $9,000 deductible when you need care
Finding out your doctor is out of network after your first appointment bill arrives
Missing open enrollment and going without coverage for the entire year
"Do you know what your plan's weakness is?"
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No SSN Required
ZIP code, doctors, and drug list is all it takes
No Spam Calls
One broker. Your information never sold.
"What would it mean to make this decision knowing exactly where you stand?"
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MedicareWhat happens if I miss my Initial Enrollment Period?
You may face a 10% Part B penalty for every 12-month period you could have enrolled but didn't — and you pay it permanently.
ACAHow do I know if I qualify for subsidies?
Subsidies depend on your household income and family size. In 2026, individuals earning $15,650–$62,600 (100%–400% FPL) may qualify.
GeneralDo I pay anything for your help?
No — my services are completely free to you. I'm compensated by the insurance carriers, not by you.
GeneralCan you help with both Medicare and ACA plans?
Yes. I'm licensed to help with Medicare (65+), ACA Marketplace (under 65), and supplemental coverage.
MedicareMedicare Advantage vs Medigap — what's the difference?
Medicare Advantage (Part C) replaces Original Medicare with a private plan. Medigap supplements Original Medicare — you keep any doctor who accepts Medicare.
ACAWhat if I miss Open Enrollment?
You'll need a Special Enrollment Period (SEP) triggered by a qualifying life event — losing coverage, moving, getting married, having a baby.