How we make money, and what it means for you

The short answer

This guide is free to read. It doesn't sell insurance, but FreedInsure LLC, the private agency that owns it, does. If you enroll in a plan with FreedInsure's help, the insurance company may pay FreedInsure. FreedInsure charges you no fee. It isn't paid when you apply for Medicaid or CHIP or visit a clinic.

By Constantino LardiLast reviewed October 19, 2026Sources

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 owns this site

FreedInsure LLC owns and publishes FreeHealthInsurance.com. FreedInsure is a private health insurance agency in Shrewsbury, New Jersey. It is not part of the government, and this is not a government website.

FreedInsure's licensed agent, Constantino Lardi (NPN 20230457), is licensed in 42 jurisdictions. He owns FreedInsure, and he writes and checks the English guides on this site. See where he is licensed or read more about him.

Who pays FreedInsure

This guide doesn't sell anything. FreedInsure sells insurance, and here is how it can earn money from this guide. If you enroll in an insurance plan with FreedInsure's help, the insurance company may pay FreedInsure. We don't publish payment amounts.

You don't pay FreedInsure a fee for its help. HealthCare.gov's glossary says you won't pay anything extra if you enroll with an agent or broker. It also says agents and brokers often get payments from insurance companies for selling plans.

Constantino owns FreedInsure, so he gains when people enroll with its help. The FTC's endorsement guides say a business tie like this should be disclosed clearly (law.cornell.edu). So we say it under the author's name on every page, in every FreedInsure box, in the footer, and here.

What FreedInsure is not paid for

Reading this guide. It costs nothing, and there is nothing to sign up for.
Medicaid and CHIP. FreedInsure isn't paid for sending anyone to Medicaid or CHIP. It can't enroll you in either one. You apply with your state or HealthCare.gov, and applying is free.
Clinics. FreedInsure isn't paid for sending anyone to a health center, a free clinic or any other clinic.
Ads. This site doesn't run ads for other companies or paid posts. The only promotion here is for FreedInsure, and it is always labeled.
Your data. This site has no forms, and we don't sell data about visitors. If you click through to freedinsure.com, FreedInsure's own privacy policy applies there. Our privacy page has the details.

Rules we follow to limit the conflict

FreedInsure gains when people enroll with its help. That is a conflict of interest. We follow these rules so it doesn't steer what you read:

Free and low-cost care comes first. Each guide starts with the free route, then the low-cost route. Coverage help from FreedInsure comes last.
One labeled box, after the answer. A page has at most one FreedInsure box. It sits below the main answer. It says that FreedInsure owns this site. Some guides also link to a FreedInsure article in the text. Those links always name FreedInsure.
The state's application comes first. On Medicaid and CHIP pages, your state's official application comes before anything from FreedInsure.
No box where it doesn't fit. Some pages have no FreedInsure box at all. That includes pages where insurance isn't a likely next step and some pages about a single state.
No company rankings. We don't name, rate or rank insurance companies or their plans.
No limited plans. We don't promote plans with limited benefits.
Sources you can check. We link facts to laws, government agencies and the programs themselves. Each source shows the date we checked it. Our editorial policy explains how.

You don't need FreedInsure to get help

Many people get help without an agent. Here are other places to turn:

The HealthCare.gov call center. Call 1-800-318-2596 (TTY: 1-855-889-4325). HealthCare.gov says it is open 24 hours a day, 7 days a week, except holidays. It also says (healthcare.gov) the help is free and non-biased. If your state runs its own marketplace, call that marketplace instead.
Trained helpers near you. HealthCare.gov says its trained assisters give free help. One kind is called a Navigator. Federal rules (law.cornell.edu) say Navigators can't charge you. They also can't take money from insurance companies for enrolling people. Search HealthCare.gov's local help finder (localhelp.healthcare.gov).
Medicaid and CHIP. You can apply any time of year (healthcare.gov) on your own. Use your state Medicaid agency (medicaid.gov) or HealthCare.gov.
States with their own marketplace. Many states, such as California, New Jersey, New York and Pennsylvania, run their own marketplace instead of using HealthCare.gov. If you live in one, shop and enroll on your state's official marketplace (healthcare.gov). HealthCare.gov's state page shows which marketplace serves you.
Care without insurance. Community health centers charge on a sliding scale based on income (law.cornell.edu); some visits cost little or nothing. A sliding scale means the price goes down when your income is lower. The same federal rule says they can't turn you away because you can't pay. Find one with the federal Health Resources and Services Administration (HRSA) health center finder (findahealthcenter.hrsa.gov).

Questions to ask any agent, including ours

A good agent will answer these plainly. Ask them before you share personal details.

What to ask

"Are you licensed in my state? What is your full name and license number?"

"Are you set up to sell plans on HealthCare.gov or my state's marketplace this year?"

"Will an insurance company pay you if I enroll? Will I owe you any fee?"

"Which insurance companies can you enroll me with? Are there plans near me that you can't offer?"

"Will you enroll me through the marketplace, so I get any tax credit I qualify for?"

"Could I qualify for Medicaid or CHIP instead?"

To check a license, contact your state's insurance department. HealthCare.gov notes that agents and brokers are licensed and regulated by states (healthcare.gov). The National Association of Insurance Commissioners (NAIC) has a list of state insurance departments (content.naic.org) to help you find yours. Our licenses page shows how to look up any agent, including ours.

Why ask about the marketplace? HealthCare.gov says agents and brokers must also have signed agreements to sell marketplace plans. It also says you get a premium tax credit through an agent only if the agent enrolls you through the marketplace. A premium is the monthly bill for your plan, and this tax credit can lower it if you qualify. HealthCare.gov adds that some agents may not sell plans from companies they don't represent. You can always compare plans yourself on HealthCare.gov or your state's marketplace.

If an agent helps with a HealthCare.gov application, federal rules (law.cornell.edu) say the agent must get your consent first and keep a record of it. The record must say what you agreed to, for how long, and how you can take your consent back. Before your application is sent, the agent must have you check that it is right. To see what that looks like in 2027, read What to expect if an agent helps you in 2027 (FreedInsure).

Warning signs with any helper

Stop and check if someone:

Says you must pay them to apply for coverage or to keep Medicaid or CHIP. HealthCare.gov says the Marketplace, assisters and your state will never ask for payment to keep or qualify for coverage.
Wants you to pay your premium to them. HealthCare.gov says you pay your premium to the plan, not anyone else.
Offers cash, gift cards or other perks if you enroll. Federal rules (law.cornell.edu) bar agents and brokers who sell HealthCare.gov plans from offering cash or gift cards to get you to enroll.
Signs you up or changes your plan without your OK. An agent must get your consent first.
Puts their own email, phone number or address on your application, or an income you didn't give them. The same federal rules say only your own contact details (or those of a person you chose to act for you), and an income estimate you confirmed, can go on a HealthCare.gov application.
Says they're calling from the Marketplace but can't prove it. HealthCare.gov says its calls come from 1-855-997-1890 or 844-477-7500, and the caller gives a first name and an agent ID number. Ask for their name, employer and phone number, and check them against any letter you got from the Marketplace. If you're unsure, hang up and call the Marketplace Call Center yourself.

To report a scam, go to ReportFraud.ftc.gov. HealthCare.gov also says to tell your local police and the Marketplace Call Center at 1-800-318-2596. To complain about an agent's conduct, contact your state's insurance department.

Where FreedInsure can't help

FreedInsure doesn't sell Marketplace (ACA) plans in DC, Maine, Maryland, Nevada, Pennsylvania or Virginia. Its agent isn't licensed in Colorado, Connecticut, Idaho, Massachusetts, Minnesota, New Mexico, Rhode Island, Vermont or Washington. If you live in one of these places, use your state's official marketplace or your state Medicaid agency (medicaid.gov). The care guides on this site can still help you.

Tell us if something looks wrong

Does a guide push FreedInsure where it shouldn't? Is a fact wrong? Email admin@freedinsure.com. Please don't send medical details. You can also use our contact page.

FreedInsure is a private insurance agency that owns this website, not a government program. If you enroll through FreedInsure, it may be paid by the insurer. FreedInsure can't help with Marketplace plans in DC, ME, MD, NV, PA or VA, or in states where its agent isn't licensed (CO, CT, ID, MA, MN, NM, RI, VT, WA). If you live in California, Georgia, Illinois, Kentucky, New Jersey, New York or Oregon, your state runs its own marketplace. To shop or enroll there, use your state's official marketplace.