Insurance broker and benefits advisor with expertise in Medicare, ACA (Marketplace) coverage, and small-to-mid market employer benefits. I translate confusing plan details into practical takeaways—premium vs. out-of-pocket tradeoffs, network fit, contribution strategy, and compliance basics—so people and businesses can make confident decisions. I"m licensed in 16 states and hold certifications for ACA group plans, Private group plans, NAIC Health insurance credentialing , Ahip credentialing , Medicaid certified in previous years as well.