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FreeHealthInsurance.comA plain-English guide by FreedInsure

Constantino Lardi's licenses, and how to check any agent

The short answer

FreedInsure's licensed agent, Constantino Lardi (NPN 20230457), is licensed in 42 jurisdictions: New York, his home state, plus 40 other states and DC. He is not licensed in 9 states. FreedInsure does not sell Marketplace plans in 6 of the 42. You can check any agent's license on your state insurance department's website.

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.

Whose license this is

FreeHealthInsurance.com is a guide published by FreedInsure LLC, a private insurance agency. The insurance licenses belong to one person, Constantino Lardi. He owns FreedInsure and is its licensed agent. His National Producer Number (NPN) is his own, not the company's.

An NPN is an ID number from the National Association of Insurance Commissioners (NAIC). It is assigned when a person or a business applies for an insurance license. The National Insurance Producer Registry (NIPR) explains this on its NPN page (nipr.com).

Where he is licensed: 42 jurisdictions

New York is his home state, so his New York licenses are resident licenses. His licenses in the other 41 places are non-resident licenses. Each one covers health insurance and life insurance. States give these lines different names. Two examples are Health and Accident & Health.

This list matches his NIPR Producer Database report dated September 9, 2026. Your state's own search shows the current status. We sorted the states using CMS's map of marketplace types for 2027 coverage (cms.gov).

Licensed, and the state uses HealthCare.gov (29 states)

In these states, you shop for a Marketplace plan on HealthCare.gov. The Marketplace is where you buy a plan under the Affordable Care Act (ACA).

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • Delaware
  • Florida
  • Hawaii
  • Indiana
  • Iowa
  • Kansas
  • Louisiana
  • Michigan
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Hampshire
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • West Virginia
  • Wisconsin
  • Wyoming

Licensed, and the state runs its own marketplace (7 states)

These states don't use HealthCare.gov. If you live in one, shop or enroll through your state's official marketplace.

Licensed, but FreedInsure doesn't sell Marketplace plans (6)

FreedInsure does not sell Marketplace (ACA) plans in DC, ME, MD, NV, PA or VA. To shop or enroll there, use the marketplace for that state.

Where he is not licensed: 9 states

FreedInsure's agent is not licensed in the states below, so FreedInsure can't help you buy insurance there. Each of these states runs its own marketplace. Its site can point you to local help.

To use an agent in one of these states, pick one who is licensed there. Then check the license with the steps below.

How to check any agent's license

Use these steps with anyone who offers to sell you health insurance. That includes FreedInsure.

  1. Ask for the details. Get the person's full name and the name of their company. Ask for their NPN or their license number for your state.
  2. Use your state's search. A shared NAIC lookup (sbs.naic.org) covers 30 states, DC and three U.S. territories, including New Jersey (we checked on October 19, 2026). Pick your state, then choose "Licensee" and "Individual." Type a last name, license number or NPN. You have to tick a box that agrees to the NAIC's terms before it will search. Other states run their own search, like New York's insurance license search (myportal.dfs.ny.gov), which first asks you to type letters from a picture. Not sure where to look? Pick your state on NIPR's licensing page (nipr.com) to find its insurance department.
  3. Read the record. The license should be active. It should be for your state. It may say "non-resident." That only means the agent lives in another state. It should also list a health line. Names vary, such as "Accident & Health or Sickness," "Health" or "Accident and Sickness."
  4. For a HealthCare.gov plan, check two more rules. The agent must register with the Marketplace before helping you enroll. The agent must also keep a valid license in your state. Both rules are in federal rule 45 CFR 155.220 (law.cornell.edu). The same rule says HealthCare.gov lists only agents who have finished Marketplace registration and training. So finding the agent in Find Local Help (localhelp.healthcare.gov) is a good sign.
  5. Pause if something is off. Wait to share personal details until the license checks out. Your state insurance department can answer questions.

What to say to an agent

"Before we go on, what is your full name and your NPN? Are you licensed in my state? Will you enroll me through HealthCare.gov or my state's marketplace, so I get any savings I qualify for?"

That last question matters. If you qualify for Marketplace savings, you can still get them when an agent helps you. But the agent has to enroll you through the Marketplace, HealthCare.gov explains.

To check Constantino Lardi

Search for the last name Lardi in your state's search. In the NAIC lookup you can also search by Constantino Lardi's NPN, 20230457. NIPR's NPN lookup can find an NPN from a state license number. You don't need to ask us for his license numbers. They are all on FreedInsure's license list, with every license number.

What to expect when an agent helps you

For HealthCare.gov plans, 45 CFR 155.220 (law.cornell.edu) sets rules for how agents work with you. The agent must:

  • Get your OK before helping you enroll or apply for savings, and keep a record of it. That record must say how you can take your OK back.
  • Have you look over your application answers and confirm they are right.
  • Put your own email, phone number and mailing address on the application, not the agent's.
  • Let you give your own estimate of your household income. The agent can explain what counts as income.

If your state runs its own marketplace, ask that marketplace about its rules for agents.

HealthCare.gov also has tips to avoid scams (healthcare.gov):

  • Don't give money to anyone who says you must pay them to apply for Marketplace coverage or to keep Medicaid or CHIP.
  • You pay your premium, the monthly bill for your plan, straight to the plan. You don't pay it to anyone else.
  • If someone contacts you, write down their name, who they work for, their phone number and their website.
  • If you think someone misused your information, report it to the FTC at ReportFraud.ftc.gov. HealthCare.gov says to also tell your local police and call the Marketplace Call Center at 1-800-318-2596.

What a license does and doesn't tell you

  • A license shows the state lets this person sell the kinds of insurance it lists. It doesn't mean they offer every plan. Some agents may not sell plans from insurers they don't work with, HealthCare.gov notes.
  • Agents are usually paid by the insurance companies whose plans they sell, HealthCare.gov says. If you enroll with FreedInsure's help, the insurer may pay FreedInsure.
  • You don't need an agent. You can apply on HealthCare.gov or your state's official marketplace yourself.
  • For help at no charge, trained assisters can help you apply and enroll, says HealthCare.gov. In a HealthCare.gov state, search Find Local Help (localhelp.healthcare.gov) to reach one near you. In a state with its own marketplace, use that marketplace's help page.

Questions or a mistake on this page

Email admin@freedinsure.com, or see our contact page. Please don't send medical details.

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.

Sources

  1. NIPR, Look up a National Producer Number (what an NPN is; NPN lookup by license number) (nipr.com), accessed October 19, 2026
  2. NIPR, Licensing center (state insurance department contact information by state) (nipr.com), accessed October 19, 2026
  3. NAIC State Based Systems, license lookup (30 states, DC and 3 territories; search by last name, license number or NPN; terms checkbox) (sbs.naic.org), accessed October 19, 2026
  4. New York State Department of Financial Services, Insurance License Search (myportal.dfs.ny.gov), accessed October 19, 2026
  5. CMS, Marketplaces map: states by marketplace type for plan year 2027 (FFM, SBM-FP, SBM; page modified 2026-09-01) (cms.gov), accessed October 19, 2026
  6. 45 CFR 155.220, Ability of States to permit agents and brokers and web-brokers to assist qualified individuals ((c)(2) directory limited to registered and trained agents; (d)(1) registration; (g) licensure; (j)(2)(ii)-(iii) application review, consumer contact details, income attestation, consent) (law.cornell.edu), accessed October 19, 2026
  7. HealthCare.gov, Get help applying & more (agents and brokers: how they are paid, which plans they sell, savings require enrolling through the Marketplace), accessed October 19, 2026
  8. HealthCare.gov, Get help applying for health insurance (assisters), accessed October 19, 2026
  9. Oregon Health Authority, Explore Health (Oregon's new health insurance marketplace) (healthcare.oregon.gov), accessed October 19, 2026
  10. HealthCare.gov, Protect yourself from Marketplace fraud & scams (pay premiums to the plan; record who contacts you; report to the FTC, police and the Marketplace Call Center), accessed October 19, 2026
  11. FTC, ReportFraud.ftc.gov (report fraud and scams), accessed October 19, 2026