The questions people ask me most

No — there's no fee for my help. As an independent agent, I'm compensated by the insurance carriers, and that's the same whether you enroll through me or on your own. Your cost is the plan's premium, not my guidance.

Not at all. Sometimes the best advice is to keep what you have — and if that's the case, I'll tell you. A conversation is just a conversation, with no obligation to change anything.

No. I'm independent, so I compare options across many carriers and recommend what fits you — not whatever one company is pushing. That independence is the whole point.

Ideally a few months before your 65th birthday, since your Initial Enrollment Period starts three months before your birthday month. But it's never too early to ask questions, and if you're past that window, reach out anyway — there are still options.

Yes. I help individuals and families with Health Insurance Marketplace (ACA) coverage, including checking whether you qualify for subsidies that lower your premium — plus supplemental and life coverage.

Absolutely, and you may be leaving help on the table. Programs like Extra Help and the Medicare Savings Programs can lower or eliminate costs for those who qualify. I help people navigate these regularly.

I work with the full range of clients, including higher earners navigating IRMAA surcharges and coordinating Medicare with their retirement and tax picture. Your situation is exactly the kind I'm glad to dig into.

However you prefer. I'm based in Central Texas and serve the whole state, so I help clients by phone, by video, or in person — whatever's easiest for you.

It's my signature five-point review — your doctors, medications, finances, health, and lifestyle — that I walk through before ever recommending a plan. It's how we land on coverage that truly fits instead of guessing by price.

Just reach out by phone or the contact form. We'll have a relaxed conversation about your situation, and I'll explain your options in plain English. No pressure, no cost.