Frequently Asked Questions
Straight answers to the questions Kevin hears most. No jargon, no runaround.
About Kevin's Service
Working with Kevin
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Yes, completely. Kevin earns a commission from the insurance carrier when you enroll in a plan — the same commission that would go to the carrier's internal sales team if you called them directly. His advice, consultation, enrollment assistance, and ongoing support cost you nothing. The premium you pay is the same whether you use an advisor or enroll directly.
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Kevin is licensed in 25 states. He's based in Sunrise, Florida, and primarily serves clients in Florida and the Southeast — but he works with clients across the country, including truckers, travel nurses, and remote workers who need coverage that travels with them. Contact Kevin to confirm whether he's licensed in your state.
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Kevin's National Producer Number (NPN) is 14158956. You can verify his licensure at any time through the NIPR (National Insurance Producer Registry) at nipr.com.
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Kevin is an independent advisor. He's not captive to any single carrier, which means he can compare plans across multiple insurers and recommend what's actually best for your situation — not what's most profitable for one company. His reputation depends on placing clients in plans that work for them.
Coverage & Plans
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A PPO (Preferred Provider Organization) lets you see any doctor — in-network or out-of-network — without a referral. An HMO (Health Maintenance Organization) requires you to choose a primary care physician who coordinates your care and provides referrals to specialists. PPOs offer more flexibility; HMOs typically have lower premiums. Kevin specializes in Private PPO plans for clients who want that provider flexibility.
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A deductible is the amount you pay out-of-pocket for covered services before your insurance kicks in. For example, if your deductible is $2,500 and you have a $3,000 medical bill, you'd pay $2,500 and your insurance would cover the remaining $500 (subject to your coinsurance or copay). Preventive care is usually covered before you meet your deductible.
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ACA premium subsidies (also called Premium Tax Credits) reduce your monthly premium based on your income and household size. If your income falls between 100% and 400% of the Federal Poverty Level — and in some cases above that — you may qualify. Kevin will check your eligibility during your consultation and factor it into his recommendations.
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This is one of the first things Kevin checks. He'll verify whether your current doctors participate in the networks of the plans he's recommending before suggesting any switch. With Private PPO plans, you often have the ability to see out-of-network providers as well, though at a higher cost share.
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Open Enrollment is the annual period when you can enroll in, change, or drop an ACA marketplace health plan. For most states, it runs from November 1 through January 15. Outside of this window, you can only change coverage if you have a qualifying life event (losing a job, having a baby, getting married, moving). Private PPO plans are available year-round and don't require a special enrollment period.
Understanding Your Options
Self-Employed & 1099
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As a 1099 contractor, your main options are: (1) Private PPO plans — available year-round, flexible networks, no referral required; (2) ACA marketplace plans — income-based subsidies may apply, available during Open Enrollment or with a qualifying event; (3) Short-term plans — temporary coverage for gaps; (4) Spouse's employer plan — if applicable. Kevin will compare all of these for your specific situation.
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In many cases, yes. Self-employed individuals may be able to deduct 100% of health insurance premiums for themselves, their spouse, and dependents as an adjustment to income. Kevin can discuss this with you, but recommends consulting a tax professional (CPA or EA) to confirm your specific situation. He works with clients who use this deduction regularly.
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Variable income is common among Kevin's clients — restaurant workers, contractors, freelancers. For ACA subsidy purposes, you report your best estimate of annual income at enrollment and reconcile it when you file taxes. Kevin walks through this process carefully so you don't end up with a surprise repayment at tax time. Private PPO plans, which aren't subsidy-based, may be a cleaner option for some clients.
Coverage Without an Employer
Still have questions?
Kevin answers his own phone. Call, WhatsApp, or book a free consultation and get a straight answer.