Benefits of your own Insurance Agent
for consultation the year around

See our main page of 17 Reasons to use Steve Shorr Insurance 

Thoughts from Insure Me 11.15.2016 – No consultation fees…

There is No extra charge to use our professional and consultative services!   Section 1301 a 1 c (iii) PPACA   42 U.S. Code § 18021  same premium …without regard to whether the plan is offered through Covered CA …directly from the issurer or through an agent. 

The attestation form that an agent must sign under CA State Law says that if we gave you ANY information, then it’s an agent assisted application.  So, please don’t fill out an application elsewhere, after we’ve helped youIt’s been that way for years §10753.14.

We only ask that you appoint us as your broker – agent by using the application links on this website.  For Covered CA here’s the procedure.

Check out our testimonials page for unsolicited comments from other clients & website visitors.

See also our Biography and 12 Reasons we can help you.  If you use the links on the Insurance Company Website, they won’t know that we helped you. You may also ask the Insurance Company to appoint us in a “Broker of Record” letter so that we get paid.

We are not part of the advertising budget wasted in Health Care Reform.   Did you see the Sunday 4.6.2014 LA Times Article about how to get the most from your Insurance, that is what this website and our consultative services are all about.   If you have a question of a general non confidential nature and can’t find it on this website, please email us at [email protected]  See below for more information on our mandates to help the public.

Covered CA  Agent Designation Procedures

Agent Duties

Covered CA Seminar

We are mandated by law to be honest, deal with you in good faith and deal fairly 10192.555 and to  show you ALL plans for the carrier’s that we  represent. CA Insurance Code §10753.05 B 1   We also answer to higher authority

“…Covered California‘s [will use] health insurance agents, so they can provide their extensive knowledge and experience with health insurance to assist consumers and businesses with purchasing health insurance sold on the Exchange,” “Health insurance agents have to meet very high standards and are subject to fingerprinting, background checks, training, and licensing, and are subject to criminal investigation, fines and prosecution if they go astray.”  CA Dept of Insurance Press Release   (Covered CA Agent Training)

CMS – HHS  pdf on Role of Agents & Brokers


The broker’s role is as important as ever as we move closer to 2014 and beyond. More people are entering the health insurance system, many of whom have never had insurance before. They will need a consultative partner to help them understand their options. They will need Agent’s & Brokers. CIGNA 5.10.2013 Bulletin

National Health Underwriters NAHU Role of Agent in Health Care Reform pdf   Brokers making a difference

Joshua Booth – Brokers & PPACA

Attorney Analysis Role of Agent – Broker – Health Care Reform, New York Jaeckle, Fleischman & Mugel

Explanation of Commissions

Limit the over-exposure of any one single carrier to extreme adverse selection dave

Met Life Broker Compensation Notification


42 U.S. Code § 18021 – Qualified health plan defined §1301 (a) (1) (C) (iii)  agrees to charge the same premium rate for each qualified health plan of the issuer without regard to whether the plan is offered through an Exchange or whether the plan is offered directly from the issuer or through an agent; and

Covered CA to require Insurer’s pay commissions  CA Health Line 2.18.2016

Ask and we will help you with extra services

We answer the phone promptly, no two hour wait times. If we are helping another customer, we will call you back within two business hours. The best way to reach us is by email or just leaving your question on a relevant page. It helps our google ratings and improved the site for all visitors.

We are mandated by Insurance Carrier contracts, including Covered CA to have malpractice coverage. If Covered CA makes a mistake, will they claim government immunity?

While in general, you must complete the application, as your statements are under penalty of perjury… and if incorrect, could cause the policy to be rescinded – cancelled, we are mandated by law to explain that to you. Here’s our explanation.
If you have questions, suggestions or improvements, let us know.

We are here for service BEFORE and AFTER the application is completed. There is a lot more than just completing the application. It’s not like ordering a pizza. We can explain to you how the pizza – insurance is made and how to best use it and get all the advantages, plus avoid any pitfalls.


We disagree with President Obama…

Starting on Tuesday, every American can visit to find out what’s called the insurance marketplace for your state.  Here in Maryland, I actually think it’s called  (Applause.)  But if you go to, you can look and they’ll tell you where to go.  They’ll link to your state.

Now, this is real simple.  It’s a website where you can compare and purchase affordable health insurance plans, side-by-side, the same way you shop for a plane ticket on Kayak — (laughter) — same way you shop for a TV on Amazon.  You just go on and you start looking, and here are all the options.

It’s buying insurance on the private market, but because now you’re part of a big group plan — everybody in Maryland is all logging in and taking a look at the prices — you’ve got new choices.  Now you’ve got new competition, because insurers want your business.  And that means you will have cheaper prices.  (Applause.)

So you enter in some basic information about yourself, what level of coverage you’re looking for.  After that, you’ll be presented with a list of quality, affordable plans that are available in your area.  It will say clearly what each plan covers, what each plan costs.  The price will be right there.  It will be fully transparent.

Before this law, only a handful of states required insurance companies to offer you instant price quotes, but because of this law, insurers in all 50 states will have to offer you instant price quotes.  And so if you’ve ever tried to buy insurance on your own, I promise you this is a lot easier.  It’s like booking a hotel or a plane ticket.

Child Pages

We disagree about just buying online

PBS News Hour President Obama on ACA


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