Help with Health Insurance

About Us

Our role is to provide help with health insurance so you can get the information you need to make the best decision. We get paid by whichever insurer you apply to provided the insurer sees our name on the application. That is how we get paid for our help with health insurance. We do not charge you anything.

Our office is in Colorado Insurance Licensee and we help consumers and small businesses nationwide.

The licensing in many states is "insurance producer" a.k.a. agent or broker depending on the usage preferred. We are called "producer" because we produce applications for health insurance companies. A licensed agent or a licensed broker is an insurance producer.

Our role is not one of a "broker" or intermediary because we charge no fees and do not negotiate anything. Insurance companies have no need to negotiate with health insurance applicants. To stay in business, the insurance company needs to charge enough premium to pay for expected claims. So the insurer sets its price for each plan, for each age bracket, for each effective date, and for each risk category if applicable. There is never any negotiation and no special "deals" are possible.

We also are not a captive agent representing one company alone. We don't promote one or two favorite insurance companies. Instead, we try to help with health insurance so you find the best for your needs amongst all the companies worth looking at. With or withot our help, the insurance company will charge you the same price.

There is some variation in state licensing law and terminology, but the consumer probably won't notice much difference between producer categories whether they are called agents, brokers, or whatever, in a particular state.

The quality of the health insurance company and the value in its plans is what you get for the premiums you pay. Help with health insurance is just that, help, not a middleman or brokerage or negotiation, just help to find what you would like best. That's why an insurance company pays a commission, for providing help to buy its insurance product, direct from the insurance company. No matter who helps, you are always buying direct from the insurer.

The principal of our company is licensed in all states. We don't charge any fees for help with health insurance because we are paid by the insurance company when coverage is issued and the premium is paid. On the website, we are putting as much information as possible on as many insurance companies as possible, for each state.

Since the inception of the agency over fifteen year ago, we have been providing help with health insurance to consumers in order to find what is best suited for them. Since we do not charge a fee, we are not being engaged to make recommendations. However, we are here to help you make the best decision by providing all the information we can.

We help you get the quotes, plan descriptions, insurer background, and other information you may need. We can also help you complete the application according to the rules and procedures of the respective insurance company. Then we are available as independent help with health insurance for any customer service problems you may have later with the insurer.