Every question I get asked.

No, and there are two halves to that. You and I never sign anything. No fee agreement, no exclusivity, no permission needed to go and use somebody else, and you don't owe me an explanation if you do.

The policy is the other half. Individual health coverage runs month to month rather than on a term, so you can cancel it, normally effective at the end of a month, and there's no cancellation penalty on the plans I write.

The catch is on the way back in, not the way out. Leave an underwritten plan and you answer the health questions again at whatever health you're in by then, which may be a different answer. Leave a Marketplace plan and you're generally waiting for open enrollment or a qualifying life event to get back on one. So it's easy to walk out and it isn't always easy to walk back, and you should know that before you do either.

No. And I'll go further: a fair share of my calls end with me telling somebody to stay on their employer plan or stay on the Marketplace, which pays me nothing at all. The sheet I build for you always includes that option, priced and laid out next to everything else, not left off because it doesn't pay me.

If I burn twenty minutes and you keep what you've got because it was already the right answer, that's a good outcome. Plenty of people do decide on the call and enroll right then, and that's fine when it's their call to make, but nobody's pushed to decide before they're ready.

I'm licensed in thirty-one states, and they're named on the map on the front page rather than left as a number. I also have partnerships throughout the country, so if yours is grey I can almost always get you to someone who can help, and it takes five minutes to ask.

You keep my number. Claims questions, ID cards, a pre-authorization, a rate change at renewal: all of it goes through me, and none of it is billed separately. That's not an add-on, it's the actual job, and it runs for as long as you're a client, not just through the first year.

Ask my three-year clients; that's the part they talk about, because it's the part most brokers skip once the commission's paid.

There are options for just about everyone, and this is the question people get most wrong. Taking medication is not the same as being unhealthy. Blood pressure, cholesterol, something for anxiety or depression that's been working for years: those are ordinary and they're commonly approved. What underwriting reads is what the medication is for and whether things are stable.

The harder approvals are what I specialize in, and through my partnerships I can help people with just about any health history. A more complicated history usually just means the benefits get adjusted to fit, with a rating, an exclusion, or a plan built for that situation. I read the underwriting first and tell you straight where you'll land before you fill anything in, and if the underwritten lane isn't yours we go to the one that is.

You're absolutely not stuck. Plans are available all year long, even off the public market: underwritten coverage doesn't wait for a date on the calendar. And a qualifying life event (losing coverage, moving, marriage, a new baby) opens a special enrollment window on the Marketplace on top of that.

Yes, and for small teams there's usually more than one structure worth looking at, not just one plan stretched to fit everyone. It starts the same way individual coverage does: your headcount, whether that's a handful of people or twenty and up, and what you're hoping to spend.

From there I work backwards to what actually fits, the same way I would for an individual policy, not a generic quote pulled off a rate sheet.

Usually the same day, often within a couple of hours during the week. If it's urgent, call or text rather than filling in the form. My phone is the fastest route to me.