What Does a Licensed Health Insurance Agent Actually Do for You?

• Compares plans from multiple carriers simultaneously to including U65 private plans outside the ACA marketplace that are often 20 to 50 percent cheaper for healthy adults
• Verifies your ACA subsidy eligibility and compares subsidized ACA costs against private plan premiums so you see the real cost difference
• Confirms your specific doctors and hospitals are in-network for any plan before you enroll to preventing expensive out-of-network surprises
• Handles your entire enrollment in one call so you are set up correctly from day one with the right plan, right deductible, and right coverage level
• Provides ongoing support after enrollment to billing questions, claims issues, annual plan changes, and Medicare transitions are all part of ongoing agent service
• Costs you nothing to insurance carriers build agent compensation into every premium, so you pay identical costs whether you use an agent or buy direct

Why HealthPlusLife Agents Find Lower Premiums Than Healthcare.gov

Healthcare.gov shows only ACA marketplace plans. For people who earn above approximately $62,600 individually and do not qualify for ACA subsidies, marketplace plans are purchased at full unsubsidized cost to typically $400 to $980 per month depending on age.

HealthPlusLife agents compare those same marketplace plans plus U65 private health insurance plans from carriers like UnitedHealthcare, Aetna, Cigna, and Humana that operate outside the ACA marketplace. For healthy adults, these private plans consistently offer the same level of coverage at 20 to 50 percent lower premiums.

How to Verify a Health Insurance Agent Is Licensed in Your State

1. Go to NIPR.com to the National Insurance Producer Registry
2. Enter the agent’s full name or license number in the search field
3. Select your state to verify active licensing in your specific state
4. Confirm the license covers health insurance lines of authority
5. Check that there are no disciplinary actions against the license

The agents clients most benefit from working with are those who specialize in both the ACA marketplace and U65 private plans. Most marketplace-only agents literally cannot show their clients U65 private options because they are not contracted with those carriers. That is where we consistently find $100 to $300 per month in savings that the client had no idea existed.

Licensed HealthPlusLife Agent, Fort Lauderdale, FL

HealthPlusLife Licensed Agent Coverage: All 50 States

HealthPlusLife agents are licensed in all 50 states and available Monday through Saturday, 8am to 8pm Eastern time. We specialize in U65 private health insurance, ACA marketplace plans, Medicare supplement plans, and life insurance. Our main office is at 3323 W Commercial Blvd, Fort Lauderdale, FL 33309. Every agent maintains active multi-state licenses and annual continuing education in health insurance.

Every licensed HealthPlusLife agent carries active health insurance licenses in multiple states. We can enroll a client in Florida on Monday and help someone in Washington state on Tuesday. Serving clients nationwide by phone is the core of how we operate.

Licensed HealthPlusLife Agent