I'm Carson Hornish, an independent health insurance broker.

What I actually do

When you ask me for a quote, I compare every plan you qualify for, ACA marketplace plans with your subsidy applied, and private plans where they make sense, and walk you through the trade-offs in plain English. You pick, I handle the enrollment, and I stay your point of contact for claims questions, renewals, and life changes.

What it costs you

Nothing, ever. Brokers are paid by the insurance carriers, and the price of a plan is the same whether you buy it through me or on your own. The difference is that you get a licensed professional comparing the whole market for you instead of guessing alone.

How I'm different

I'm independent, which means I don't work for any single insurance company and I'm not pushing one carrier's products. I'm licensed and appointed in 24 states, every license is public record you can verify yourself, and every quote starts with what you need, not what pays the most. My clients rate me 5.0 on Google, and most of my business comes from referrals.

My code of ethics

Health insurance is a trust business, so here is exactly where I stand.

I tell you how I'm paid. Carriers pay me a commission that is already built into every plan's price. You pay the same premium with or without me, and I will never charge you a fee.

I recommend what fits, not what pays. If the best plan for you pays me less, that's the plan I recommend. If what you need is something I don't sell, like Medicare coverage, I'll say so and point you to someone who does.

I never sell or share your information. What you tell me stays between us and the carrier you choose to apply with. No lead lists, no data sales, ever.

No pressure, no scare tactics. You get plain English, real numbers, and time to decide. If you tell me no, that's the end of it.

I'm accountable after you enroll. Claims questions, renewals, and life changes come to my cell, not a call center. Every credential I claim is public record you can verify before you trust me with anything.