My name is Howie Gehrett and I'm an underwriter here in the area and help people get affordable health insurance. I do the risk rating and the medical evaluation up front to give you a greater understanding of coverage and rate before you apply for insurance so you know exactly what your monthly premium will be, rather than getting a low quote and applying with a company just to find out after you go through underwriting that your premium is alot higher than they told you. Again.. I do the underwriting up front with you so you'll know what the exact cost of your health insurance is. And the best part is my services are free to you. Call me to schedule an appointment.