Broker disclosures.

1. How I'm compensated

I am compensated through commissions paid directly by the insurance carrier whose plan you enroll in. Commissions are built into the plan's pricing structure and are paid whether you work with me or buy directly from the carrier — your premium is the same either way.

I do not charge clients any fees for consultation, application assistance, plan recommendation, or ongoing service. There are no hidden charges, and I will not invoice you for my time.

Different carriers and different plan types pay different commission rates. To prevent any conflict of interest, my recommendations are based on what fits your needs — not on which plan pays me the most. If you ever want to know the commission structure for a specific plan I'm recommending, I'll disclose it on request.

2. Broker — not a fiduciary

I am a licensed insurance broker, not a fiduciary in the legal sense (as that term is used for ERISA plan administrators, registered investment advisors, or attorneys). The legal distinction is important: a fiduciary has a binding legal duty to act exclusively in the client's best interest, while a broker has industry obligations to act ethically and present suitable options.

That said, I follow industry best practices: I recommend plans I genuinely believe fit your situation, I disclose conflicts when they exist, and I don't sell products I wouldn't enroll my own family in.

If you specifically need fiduciary-grade advice (for example, a complex ERISA-governed self-funded plan with employer trust obligations), I'll tell you and refer you to an ERISA attorney or certified benefits consultant who provides that level of legal duty.

3. Independence & carrier appointments

I am an independent insurance broker, which means I am not captive to any single carrier. I am appointed with multiple carriers and networks, including but not limited to:

• Blue Cross Blue Shield (multiple state plans)
• Aetna
• Cigna
• UnitedHealthcare
• Oscar Health
• Ambetter (Centene)
• Molina Healthcare
• PHCS / MultiPlan (network)
• BHPI / XGB (level-funded)

Carrier availability varies by state. Not every carrier offers plans in every state where I'm licensed. If a particular carrier or plan you're interested in isn't available where you live, I'll tell you upfront.

The full and current list of my carrier appointments is available on the Licensing page.

4. Scope of advice

My professional advice is limited to insurance products I am licensed and appointed to sell — primarily health insurance (ACA marketplace, private/off-marketplace, group, and Medicare), and ancillary products (dental, vision, group term life).

I do not provide:

• Tax advice. I can explain general tax features of HSAs, Section 125 plans, and similar — but for specific tax planning, consult a CPA or tax attorney.
• Investment advice. HSA investment options exist, but selecting investments is outside my license.
• Legal advice. I cannot interpret ERISA obligations, draft plan documents, or advise on employment law.
• Medical advice. I can help you choose a plan that fits your healthcare patterns, but I cannot diagnose conditions or recommend treatments.

5. ACA marketplace disclosures

For ACA marketplace plan enrollments (Healthcare.gov or state-based exchanges), I am a registered agent/broker authorized to assist consumers with marketplace eligibility, plan selection, and enrollment.

Per CMS regulations, when assisting with marketplace enrollment I must:

• Verify your identity and consent before submitting any application or change
• Obtain documented consent before reviewing your account or making changes on your behalf
• Disclose that I am a licensed broker and identify myself as your agent of record on your application
• Not enroll, change, or cancel coverage without your express, documented authorization

You retain full control of your account at all times. You can change or terminate me as your agent of record at any time by logging into your Healthcare.gov account or contacting the marketplace directly at 1-800-318-2596.

6. Medicare disclosures

For Medicare Advantage and Medicare Supplement plans:

• I am not connected with, endorsed by, or affiliated with the U.S. government, the Centers for Medicare and Medicaid Services (CMS), or any federal Medicare program.
• I am paid commissions by Medicare carriers per CMS-regulated commission schedules. Commission rates are standardized across plans within a carrier and vary slightly between carriers.
• Before enrolling you in any Medicare Advantage or Part D plan, I will complete a CMS-required Scope of Appointment (SOA) form documenting the plans you have permitted me to discuss.

7. Rate accuracy

Any rates, premiums, deductibles, copays, or out-of-pocket figures shown on my website, in marketing materials, or during initial consultations are estimates based on sample profiles or current carrier rate filings. They are not guaranteed offers of insurance.

Final rates and plan terms are determined by the issuing carrier and confirmed in your formal proposal or enrollment documents. Final rates depend on:

• Your geographic rating area (down to the ZIP code)
• Age, household composition, and tobacco use
• For group plans: group composition, industry, participation rate, and underwriting
• Effective date and any applicable rate filings active at that time

If a rate I quoted differs materially from the final carrier-confirmed rate, I'll explain why and present updated options.

8. Communications

By contacting me through the website contact form, by phone, by email, or by text, you consent to be contacted by me or my staff regarding insurance products. I do not sell, share, or rent your contact information to any third party for marketing purposes.

You can opt out of communications at any time by replying STOP to text messages, unsubscribing from emails, or asking me to remove you from my contact list. I'll honor opt-out requests promptly.

For full details on data collection, use, and sharing, see the Privacy Policy.

9. State-specific notes

Insurance regulation varies by state. A few state-specific notes that apply across my book:

• Florida: My resident state. Subject to Florida Department of Financial Services / Office of Insurance Regulation rules, including continuing education and ethics requirements.
• California, New York, and other heavily regulated states: I am not currently licensed in California or New York. If you need coverage in those states, I'll refer you to a licensed local broker.
• Annual licensing renewals: All 23 of my licenses are renewed on time each cycle and are in active, good standing. Verify any time through the Licensing page.

10. Complaints & grievance

If you have a concern about my conduct, advice, or the service you received, you have multiple paths to resolution:

1. Contact me directly. Most issues are misunderstandings I can fix immediately. Call (954) 338-9905 or email Kristian@smarthealthcoverage.org.
2. File a complaint with your state insurance department. Each state has a consumer complaint process. The state-by-state lookup links on the Licensing page include complaint filing pages.
3. National Association of Insurance Commissioners (NAIC). The NAIC consumer portal at naic.org/consumer allows you to file complaints across state lines.
4. For ACA marketplace issues: Contact the marketplace directly at 1-800-318-2596 or via your Healthcare.gov account.