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Health Insurance Broker
Looking for a health insurance broker near me? FreedInsure is an independent health insurance brokerage serving 42 states. We compare 14+ carriers — ACA, PPO, dental, vision, life, and supplemental — at zero cost to you.
Get a Free Quote ↓Quick answer: A health insurance broker is a licensed professional who compares plans from several insurance companies, checks your subsidy eligibility and doctor networks, and handles your enrollment. You don’t pay anything extra to enroll through a broker, because insurers pay brokers, not consumers. FreedInsure is an independent broker; its licensed agent, Constantino Lardi (NPN 20230457), is licensed in 42 states.
Last updated: October 5, 2026
What Does a Health Insurance Broker Do?
A health insurance broker is a licensed professional who works on your behalf to find, compare, and enroll you in the best health insurance plan for your specific situation. Unlike a health insurance agent who represents one carrier, an independent insurance agent or broker represents you and has access to multiple carriers and plan types.
At FreedInsure, our licensed health insurance agents compare every available option in your ZIP code — ACA Marketplace plans with income-based subsidies, private PPO plans sold outside the Marketplace (you can apply outside Open Enrollment, but approval and start dates depend on the plan), dental and vision coverage, life insurance (term, whole, IUL, final expense), and supplemental plans like accident, critical illness, and hospital indemnity. We calculate your exact subsidy, verify your doctors are in-network, check your prescription formulary, and handle enrollment from start to finish. Private plans sold outside the Marketplace can’t use a premium tax credit, so if you qualify for a subsidy or have a pre-existing condition, an ACA plan is usually the better buy — and we’ll tell you so.
Whether you’re searching for a health insurance broker near me, a life insurance broker, or a small business health insurance broker — FreedInsure handles it all under one roof with one advisor who knows your full picture.
What a Health Insurance Broker Does for You
🔍 Plan Comparison
Compare every ACA plan, PPO plan, and supplemental option available in your ZIP code. Side-by-side pricing, networks, benefits, and deductibles. No guesswork.
💰 Subsidy Calculation
Your health insurance advisor calculates your exact premium tax credit based on income, household size, and age. Some clients discover they qualify for a $0-premium plan.
👩⚕️ Network Verification
We check whether your doctors, specialists, and hospitals are in-network before you enroll. No surprises after the fact.
📋 Enrollment Handling
Your broker handles the entire enrollment process — Healthcare.gov applications, carrier paperwork, ID card delivery, and follow-up.
📞 Year-Round Support
Your FreedInsure advisor stays with you after enrollment — year-round help with claims, billing questions, plan changes, and annual renewal reviews.
💚 Always Free
A health insurance broker is free to use. Insurance carriers pay the broker, not you. You pay the exact same premium whether you use a broker or go direct.
Health Insurance Broker vs Agent vs Navigator
When searching for health insurance help, you’ll encounter three types of professionals. Here’s how they differ:
| Feature | Independent Broker | Captive Agent | Navigator |
|---|---|---|---|
| Who they represent | You (the consumer) | One specific carrier | Government program |
| Carriers available | All carriers in your area | Only their carrier | ACA Marketplace only |
| Products offered | ACA, PPO, dental, vision, life, supplemental, group | Only their carrier’s plans | ACA only |
| Ongoing support | Year-round advisor | Varies | Varies by program and area |
| Cost to you | $0 (carrier-compensated) | $0 | $0 (government-funded) |
| Example | FreedInsure | Ambetter agent | Healthcare.gov navigator |
An independent health insurance broker like FreedInsure gives you the broadest access and the most unbiased comparison. A health insurance navigator only helps with ACA Marketplace plans, and availability varies by area. A captive health insurance agent can only show you plans from the single carrier they represent.
Find an Insurance Broker for Your Situation
🧾 Individuals & Families
ACA plans with any tax credit you qualify for. Private PPO plans for people who don’t qualify for a tax credit. Dental, vision, supplemental add-ons. Your health insurance agent compares every option. Check eligibility →
💼 Self-Employed & Freelancers
Net Schedule C income determines your subsidy. Health insurance broker for self employed — we calculate your exact credit and handle enrollment. Self-employed options →
🏛️ Small Business Owners
Need a small business health insurance broker? Group plans, SIMERP, and ICHRA for 2–500+ employees. We compare fully insured, level-funded and ICHRA options. Business plans →
👥 Group Health Insurance
Looking for a group health insurance broker? Traditional group plans, level-funded options, and employer contribution structures. Full administration. Group options →
💧 Life Insurance
Need a life insurance broker or life insurance agent near me? Term, whole, IUL, and final expense from 14+ carriers. No medical exam options. Life insurance →
📅 Between Jobs / COBRA
Lost employer coverage? Your broker compares ACA vs COBRA vs private plans. 60-day Special Enrollment window. COBRA can cost up to 102% of the plan’s full premium, so a Marketplace plan with a tax credit often costs less. Job loss options →
Why Choose FreedInsure as Your Insurance Broker
When you search for an insurance broker near me or insurance agency near me, you’ll find dozens of options. Here’s what makes FreedInsure different from every other health insurance brokerage:
42 States, One Advisor
Our agent, Constantino Lardi, is licensed in 42 states. Whether you live in Texas, Florida, Georgia, New Jersey, or any of our other states — one advisor handles your entire household across state lines.
14+ Carrier Access
ACA Marketplace carriers such as Ambetter, Blue Cross Blue Shield, Cigna, UnitedHealthcare, Oscar and Molina where they sell plans in your state, plus dental and supplemental carriers such as MetLife. Major carriers compared in one call.
All Product Lines
ACA, PPO, dental, vision, life (term, whole, IUL, final expense), accident, critical illness, hospital indemnity, MEC, SIMERP, and small group. One broker, complete coverage.
10,000+ Members Served
We’ve helped over 10,000 Americans find coverage. 4.9 Google rating. We show your ACA options, including any tax credit you qualify for, next to every other plan we quote.
Licensed Health Insurance Broker in 42 States
Searching for a health insurance agent near me? FreedInsure helps clients in 42 states through its licensed agent, Constantino Lardi (NPN 20230457), with a concentration in Texas, Florida, Georgia, Tennessee, Mississippi, North Carolina, South Carolina, New Jersey, and surrounding markets. Ambetter is our largest carrier partner.
Because we’re an independent insurance agent (not tied to one carrier), we have no incentive to steer you toward any specific plan. Your advisor recommends the best plan for your situation based on network, cost, and benefits.
See all state guides → | See all carrier partners →
Sources
- Agent and broker (health insurance) — HealthCare.gov
- Navigator — HealthCare.gov
- Get help applying for health insurance — HealthCare.gov
- An Employer’s Guide to Group Health Continuation Coverage Under COBRA (COBRA premiums up to 102% of plan cost) — U.S. Department of Labor
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