Do you steer people toward the plans that pay you most?

No. David is an independent agent who wants you as a client for the long run, and that only happens when the plan fits you.

More detail

Here's what that looks like. Say two plans could work for you. One has your doctors in its network and covers your medicines well; the other doesn't. I'll point you to the one that fits you, because a plan that doesn't fit means frustrating calls all year, and a client who leaves.

As an independent agent, I'm not tied to a single insurance company. I compare the options I can offer in your area on what matters to you: your doctors, your medicines, your budget and how you like to get care.

A good habit with any agent: ask which companies and how many plans they represent in your area. You deserve to know.

What to have ready: • Your doctors and medicines • What you want most from your coverage • Anything you didn't like about past coverage

If a recommendation ever doesn't feel right to you, tell me. I'd rather hear it and fix it.