Full disclosure. Not the kind buried in fine print.

Section 01Who I am, legally

Producer: Kristian Delgado · National Producer Number (NPN) 18338319 · Licensed in 23 states (full list at /licensing).

Brokerage: KD Health Management LLC — Florida limited liability company. 4014 Palm Place, Weston, FL 33331. The Insurance Insider is a marketing name (DBA) of KD Health Management LLC.

License lines: Health, Life, Accident. I am not a Registered Investment Advisor, not licensed to sell securities, and not affiliated with any specific carrier as a captive agent.

Section 02How I get paid

You don't pay me directly. The insurance carrier you ultimately enroll with pays me a commission — built into the premium you'd pay anyway, whether you have a broker or not.

Typical commission ranges (these vary by state, product, and carrier):

• Individual ACA marketplace: $0–$30 per member per month, paid monthly while the policy is active
• Off-marketplace individual: 5–10% of premium, paid monthly
• Group fully-insured: 3–6% of premium, paid monthly
• Group level-funded: Flatter structure — often a per-employee-per-month admin fee (e.g., $15–$30 PEPM) instead of % of premium
• Ancillary (dental, vision, life, disability): 10–20% of premium, paid monthly

Section 03What I don't sell

To make my conflicts of interest cleaner, here's what I deliberately don't offer:

• Investment products — no annuities, no securities, no IUL "infinite banking" pitches
• Whole life or universal life as savings vehicles — I'll sell term life as part of an employee benefits stack, but I don't pitch life insurance as an investment
• Medicare — separate licensing, separate world. If you're 65+, I'll refer you to a Medicare specialist I trust.
• Discount cards marketed as "insurance" — they aren't insurance and they're often misleading
• Faith-based health sharing ministries — these can work for some people but they aren't insurance, and I'm not the right person to set them up

Section 04Scope of advice

What I provide:

• Carrier comparisons across the products I'm appointed for (~40 carriers nationally)
• Plan-design recommendations based on your situation (group census, family circumstances, expected utilization)
• Enrollment assistance — paperwork, employer setup, payroll deductions, COBRA administration coordination
• Renewal-time audits and re-shopping
• Claim-resolution help when a carrier denies something that should be covered

What I do NOT provide:

• Medical advice. I help you pick coverage; doctors handle care.
• Tax advice. I'll flag tax-relevant decisions (HSAs, ICHRA, ACA subsidy thresholds) — talk to your CPA for the actual filing.
• Legal advice. If you have a coverage dispute that needs litigation, you need a lawyer.

Section 05ACA Marketplace participation

I am a certified federally-facilitated marketplace (FFM) agent for healthcare.gov, plus state-based marketplaces where I'm licensed.

This means: I can enroll you in subsidized ACA plans directly. I receive standard carrier commissions for these enrollments — typically $0–$30 per member per month — and these are governed by federal rules (45 CFR §155.220). My role is identical to enrolling through healthcare.gov directly, except you get a person walking you through it. There is no cost to use a broker for marketplace plans.

Section 06Carrier appointments

I hold active producer appointments with the following carriers (partial list — full appointment status verifiable through state DOI lookups):

• UnitedHealthcare · Aetna · Cigna · Blue Cross Blue Shield (FL, IL, GA, others)
• Humana · Florida Blue · Oscar · Ambetter
• Allstate Benefits · MetLife · Guardian · The Standard (ancillary)
• Allstate Health Solutions · National General · Manhattan Life (specialty/short-term)
• 40+ additional carriers via independent brokerage relationships

If a carrier isn't on this list, it's either because (a) I don't have a direct appointment but can place business through a licensed wholesaler, or (b) I don't recommend them. Ask if you're considering a specific carrier and want me to weigh in.

Section 07Conflicts of interest

The honest list of where my incentives might not perfectly align with yours:

• Commission spread. Different carriers pay different rates. I disclose this on every comparison. If two plans are roughly equivalent and one pays me 6% while the other pays me 4%, I tell you which is which and why I'm recommending what I'm recommending.
• Bonus thresholds. Some carriers run quarterly or annual bonus structures based on volume. I don't take on clients I shouldn't, but I'll flag if a recommendation moves me toward a bonus tier so you can factor that in.
• Switching costs. Once you're a client, my interest is in keeping you, not necessarily in re-shopping every year. I commit to doing an annual audit anyway — but it's worth knowing my incentive structure favors retention.

Section 08Privacy & how I handle your data

Detailed in our privacy policy. Summary:

• I collect what I need to quote you (census, dates of birth, basic health questionnaire when underwriting requires it)
• I share only with the carriers we apply to, and only the data they need
• I don't sell, rent, or trade your information
• Data is stored in HIPAA-aligned systems (HubSpot for CRM with BAA, encrypted carriers' portals for applications)

Section 09If you have a complaint

Try me first — most issues are solvable with a phone call. (954) 338-9905 / kristian@smarthealthcoverage.org.

If that doesn't resolve it, you have escalation paths:

• Florida (my resident state): Florida Department of Financial Services · myfloridacfo.com · 1-877-693-5236
• Your state: Each Department of Insurance has a consumer complaint process. Links to every state's DOI on the licensing page.
• Federal (ACA marketplace specifically): CMS Marketplace Call Center · 1-800-318-2596
• NIPR (national producer registry): nipr.com — for license-status concerns