Nobody in this industry wants to publish this page. Here it is anyway, with my license numbers attached to it.
You are never billed by me. Not for the review, not for the enrollment, not for the help two years from now when a claim gets coded wrong.
The insurance carrier pays me a commission that is already built into the plan you buy. You never write me a check, and the plan does not cost you a dollar more because I am on it.
Almost nobody in this business will tell you how they get paid. That silence is exactly why people assume the worst about insurance agents. So here it is in plain English, on a public page, with my license numbers at the bottom of it.
No. Rates are filed with each state and the producer commission is baked into that filed rate. Calling the carrier directly does not strip the commission out and hand you a discount. The same plan is the same price. What changes is whether you have somebody whose name and license number you know sitting on your side of the table when something goes wrong.
The comparison, the underwriting questions, the application, the follow up when your ID cards do not show up, the phone call when a claim gets coded wrong, and the review every single year at renewal. There is no consultation fee, no enrollment fee, no broker fee, and no fee of any kind to you. If anyone in this industry asks you for one, that is your signal to walk.
Yes, compensation varies a little between carriers and between product types. Anyone who tells you it is identical across the board is lying to you. Here is how I handle that: I quote what fits the household, I tell you what I am recommending and why, and I show you the trade offs of the cheaper option next to it. You see the same information I see. And if the right answer for you is a plan I cannot place, or staying exactly where you are, I will tell you that and I will not send you an invoice for the honesty.
I will not sell, rent, or trade your contact information. You will not be dropped onto a lead list and dialed by six strangers in an hour. One licensed person calls you, once, and if you say no thanks that is genuinely the end of it.
A page claiming to be transparent is worth very little unless you can check it. Every row below is something you can independently verify about any licensed producer in the country, including us, in a few minutes and at no cost.
| What to verify | How to check it yourself |
|---|---|
| That the person is actually licensed | Every producer has a National Producer Number and a licence in each state where they sell. Ask for both and look them up with the state insurance department. Ours are published on this site rather than on request. |
| That using a producer does not raise your price | Individual health rates are filed with state regulators, and the producer commission is inside the filed rate. Ask the carrier directly what the same plan costs without a producer — it is the same number. |
| Whether they are independent or captive | Ask how many carriers they are appointed with. One means you are being shown one company’s shelf regardless of what fits you. |
| Whether they will discuss options they cannot sell you | The clearest test there is. A producer who will not tell you when the government marketplace is your better answer is optimising for their outcome rather than yours. |
| What happens after you enrol | Ask who you call in March when a claim is denied. Ask whether you get the same person. A commission is paid for the year, not the phone call, so the answer tells you a lot. |
| Where to complain if it goes wrong | Your state department of financial services or insurance regulator takes consumer complaints about licensed producers. That route exists precisely because the licence exists — and it does not exist for products that are not insurance. |
| The question we would ask a competitor | “Tell me about a time you sent a prospect to the marketplace instead of selling them a policy.” If there is no answer to that question, you have learned what you needed to know. |
This table describes how these options generally work, with regulatory points cited to the sources below. It is not a quote, it is not specific to any one company, and rules vary by state and by plan. Confirm the details against the actual plan documents and your own plan administrator.
The enhanced premium tax credits expired going into 2026. Whatever route you take, these are the conditions you are taking it in.
When the enhanced premium tax credits expired, a large group of people saw their costs jump and started shopping in a hurry. The average premium actually paid rose 58%, from $113 to $178 a month, and deductibles rose 37% to $3,786.[1] Households above the subsidy cliff were only about 7% of 2025 enrollment but nearly 48% of the decline.[1]
Urgency plus confusion is the exact condition in which bad products are sold well. That is not an argument for distrusting producers; it is an argument for checking the ones you deal with, which is what the table above is for.
Tell you a private policy is your best option when it is not. If your household income puts a premium tax credit within reach — under 400% of the federal poverty level, $62,600 for one person or $128,600 for a family of four[4] — or if you have a condition that needs ongoing treatment, the marketplace is usually the better answer and you will hear that from us plainly, even though it is not what we sell.
No. Not for the consultation, not for the comparison, not for the enrollment, and not for the help afterward. The carrier pays the producer commission and that commission is already inside the filed rate of the plan.
No. The commission is built into the filed rate whether a licensed producer is involved or not. Going direct does not remove it from the price. It just removes the person who would have caught the problem for you.
Compensation does vary somewhat by carrier and by product type. I will not pretend otherwise. What I do about it is show you the alternatives next to my recommendation, including the cheaper ones, and explain the actual trade off so you are choosing rather than being steered.
Then I say so. That happens most often when someone qualifies for a large subsidy on a marketplace plan. If a subsidized plan beats what I can place for your household, I will tell you that on the first call.
No. There is no fee for the review, no fee for the comparison, and no fee for deciding to stay exactly where you are.
No. You get my direct line. Billing questions, ID cards, provider network questions, claim problems, and the annual renewal review all come back to me. That continuing service is the part the commission is actually paying for.
Figures and rules on this page last verified against the primary sources on August 13, 2026
Scotty Jaymes Insurance is a private, independent insurance agency. We are not affiliated with, endorsed by, or connected to any government agency, the federal Medicare or Medicaid programs, or any state or federal health insurance marketplace including Healthcare.gov. Regulatory summaries are general information, current as at the verification date shown, and are not legal or tax advice. Rules change and vary by state and by plan. Plan availability, benefits and pricing vary by state and by applicant.
One call. Licensed producer, not a call center. If your current plan is still the better deal, I will tell you that.
Under-65 coverage only. We do not sell Medicare.