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FreeHealthInsurance.comA plain-English guide by FreedInsure

Constantino Lardi, licensed insurance agent and author

The short answer

Constantino Lardi is the named author of the guides on this site. FreedInsure's licensed agent, Constantino Lardi (NPN 20230457), is licensed in 42 jurisdictions. He owns FreedInsure LLC, the private agency that publishes this guide. If you enroll in a plan with FreedInsure's help, the insurer may pay FreedInsure, so he can profit when readers enroll that way.

By Last reviewed Sources

Constantino Lardi, FreedInsure's licensed agent, is licensed in 42 jurisdictions. He owns FreedInsure, the private agency that publishes this guide, and insurers may pay FreedInsure when people enroll with its help.

Who he is

Constantino Lardi is a licensed insurance agent. He owns FreedInsure LLC, a private health insurance agency in Shrewsbury, New Jersey. FreedInsure publishes this guide. It is not a government agency.

FreedInsure's licensed agent, Constantino Lardi (NPN 20230457), is licensed in 42 jurisdictions. That is 41 states plus Washington, DC. New York is his home state, where he holds his resident license. The other 41 are nonresident licenses. Our license list shows each one.

NPN stands for National Producer Number. It is one ID number for a licensed agent, and it is used nationwide. It is separate from the license number each state gives (National Insurance Producer Registry (nipr.com)).

His financial interest

Please know this before you read his guides. Constantino owns FreedInsure. If you enroll in a health plan with FreedInsure's help, the insurance company may pay FreedInsure. So he can make money when a reader of this site buys a plan through FreedInsure. This site does not list how much insurers pay.

Why we say this so plainly: the FTC's endorsement guides cover business ties between a person who recommends something and the seller. If readers would not expect the tie, it must be shown clearly (16 CFR 255.5 (law.cornell.edu)). That is why a short note about his stake sits under his name on every guide. It is also why each FreedInsure box on a guide says the insurer may pay FreedInsure.

What it means for you:

  • Keep his stake in mind when a guide talks about buying a plan.
  • You never have to use an agent. You can compare plans and enroll on your own at HealthCare.gov or on your state's official marketplace.
  • Assisters give free help. The Marketplace trains and certifies them to help you apply, enroll and get any savings you qualify for (HealthCare.gov). In states that use HealthCare.gov, find one with HealthCare.gov's local help search (localhelp.healthcare.gov). If your state runs its own marketplace, look for free help on that marketplace's website.
  • HealthCare.gov says you won't pay anything extra for a plan if you enroll with an agent or broker (HealthCare.gov).

What he writes and how pages are checked

Right now, Constantino is the only named author on this site. Every English guide here carries his name. That includes the Medicaid and CHIP guides and the guides to care outside insurance, such as free clinics.

The care guides stick to practical steps: where to go, who qualifies and how to apply. He writes them as an insurance agent, not as a doctor, lawyer or tax expert. Nothing on this site is medical, legal or tax advice.

Here is how a page gets made:

  1. A first draft is written, often with help from AI writing tools.
  2. Each fact, number, rule and deadline is tied to a primary source, such as a federal or state agency or the law itself. The sources are listed at the bottom of each page, with the date they were checked.
  3. Before the page goes live, Constantino reads it line by line against those sources. Anything he can't confirm comes out.
  4. The "Last reviewed" date changes only after he checks the whole page again.

No outside expert, such as a doctor or lawyer, checks the pages before they go live. Each guide lists free options first and low-cost options second. When a guide offers coverage help from FreedInsure, it comes last, in one labeled box. Read the full editorial policy to see how sources are picked and how we fix mistakes.

Where he can and can't help you buy coverage

Marketplace plans are health plans sold under the Affordable Care Act (ACA). You buy them on HealthCare.gov or on your state's own marketplace.

His 42 licenses: Alabama, Alaska, Arizona, Arkansas, California, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin and Wyoming.

  • Not licensed: He holds no license in Colorado, Connecticut, Idaho, Massachusetts, Minnesota, New Mexico, Rhode Island, Vermont or Washington. He can't help you buy insurance in those states. Each of them runs its own marketplace. Find your state's official marketplace (healthcare.gov) to shop, enroll or get free help there.
  • No Marketplace plans: FreedInsure doesn't sell Marketplace plans in DC, Maine, Maryland, Nevada, Pennsylvania or Virginia. If you live in one of them, use your state's official marketplace (listed below).
  • Medicaid and CHIP: FreedInsure can't enroll you in Medicaid or CHIP. Apply with your state Medicaid agency (medicaid.gov) or through HealthCare.gov. You can apply any time of year.

States that run their own marketplace

For 2027 coverage, these places where he holds a license run their own marketplace instead of using HealthCare.gov (CMS (cms.gov)). If you live in one of them, shop and enroll on your state's official marketplace:

How to check any agent, including him

These steps work for any agent who offers to help you. Use them on Constantino too.

Before you let an agent help you

  • Get the agent's full name and NPN.
  • Look up the license on your state insurance department's website. Check that the name matches and the license is active. The National Association of Insurance Commissioners (content.naic.org) links to every state's department. To check Constantino's resident license, use New York's Producer/Licensee Search (myportal.dfs.ny.gov). You can search by name or license number (NY DFS (dfs.ny.gov)).
  • Ask which insurance companies they can sell. Some agents can't sell plans from every company (HealthCare.gov).
  • Ask how they get paid. Agents and brokers are usually paid by the insurance companies whose plans they sell (HealthCare.gov).
  • Want help with your monthly cost? Ask them to enroll you through HealthCare.gov or your state's marketplace. A premium tax credit lowers your premium, the amount you pay each month for a plan. You can get it through an agent only if the agent enrolls you through the Marketplace (HealthCare.gov).
  • Expect a consent step. On HealthCare.gov, an agent must get your consent before helping you apply or enroll. It must leave a record with your name, the agent's name, the date, what you agreed to, how long it lasts and how to take it back (45 CFR 155.220(j)(2)(iii) (law.cornell.edu)).
  • Check your application before it is sent. The agent must have you review it and confirm it is right. You give your own income estimate. The phone, email and address on it must be yours, not the agent's (45 CFR 155.220(j)(2)(ii) (law.cornell.edu)).

If something looks wrong

  • Were you signed up for a plan, or moved to a new one, without knowing? For a HealthCare.gov plan, call the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325). If staff find this happened, CMS says they can work with your insurer and the IRS to fix it. They can cancel the plan, put you in a plan you choose, pay back wrong costs and get you corrected tax forms (CMS (cms.gov)). If your state runs its own marketplace, call that marketplace instead.
  • Be careful with health insurance ads that offer cash, gifts or other perks. CMS warns they could be a scam. Don't give your personal details to them (CMS (cms.gov)).
  • Don't pay anyone who says you must pay them to apply for coverage or to keep Medicaid or CHIP (HealthCare.gov).
  • Report a scam to the FTC at ReportFraud.ftc.gov. To complain about an agent, contact your state insurance department (content.naic.org).

How to reach him

See a mistake on one of his pages? Email admin@freedinsure.com. Include the page address and what looks wrong. Please don't send medical details or your Social Security number. Other ways to reach us are on the contact page.

Common questions

What is an NPN number for an insurance agent?
NPN stands for National Producer Number. It is a single ID number for a licensed insurance agent, and it is used nationwide. Each state also gives the agent its own license number. Constantino Lardi's NPN is 20230457.
Do I need an agent to buy a Marketplace plan?
No. You can apply and enroll on your own at HealthCare.gov or your state's marketplace. If your state uses HealthCare.gov, you can also call 1-800-318-2596 to apply or enroll by phone. Trained assisters give free help. Find one with HealthCare.gov's local help search (localhelp.healthcare.gov) or on your state marketplace's website.

Sources

  1. 16 CFR 255.5, Disclosure of material connections (FTC Endorsement Guides) (law.cornell.edu), accessed October 19, 2026
  2. HealthCare.gov, Glossary: Agent, accessed October 19, 2026
  3. HealthCare.gov, Glossary: Broker, accessed October 19, 2026
  4. HealthCare.gov, Find help applying (assisters and agents/brokers), accessed October 19, 2026
  5. HealthCare.gov, Get help applying for health insurance, accessed October 19, 2026
  6. 45 CFR 155.220, Ability of States to permit agents, brokers and web-brokers to assist (standards of conduct: application review (j)(2)(ii), consent (j)(2)(iii); text checked against eCFR as of 2026-10-15) (law.cornell.edu), accessed October 19, 2026
  7. CMS, Alert: Unauthorized Agent and Broker Activity on ACA Marketplace (consumer flyer, 2024) (cms.gov), accessed October 19, 2026
  8. New York Department of Financial Services, Industry licensing FAQ (Producer/Licensee Search) (dfs.ny.gov), accessed October 19, 2026
  9. NIPR, Find a National Producer Number (NPN) (nipr.com), accessed October 19, 2026
  10. CMS, States by Marketplace Type (FFM/SBM-FP/SBM) for Plan Year 2027 (page modified 2026-09-01) (cms.gov), accessed October 19, 2026
  11. HealthCare.gov, Getting Medicaid & CHIP (apply through the Marketplace or your state agency, any time of year), accessed October 19, 2026
  12. HealthCare.gov, Protect yourself from fraud and scams, accessed October 19, 2026
  13. National Association of Insurance Commissioners, Insurance Departments (state regulator directory) (content.naic.org), accessed October 19, 2026