Medicare and under 65 individual health insurance. There is no cost to meet with an agent. We are compensated by the insurance company upon submission of a completed enrollment form. Your premiums are the same whether you enroll yourself or use an agent. Why use an agent then? We certify with numerous companies and do the work, so you don't have to! Wouldn't you prefer someone in your corner to be able to explain bills, correct errors, and advise you on appeal processes? You can call us directly instead of the insurance company in many instances. We don't have a phone tree. You'll get a live person at our agency.