Answers to Your Most Common Insurance Questions
Whether you're shopping for health insurance, exploring Medicare, or trying to understand how life and supplemental plans work, questions are bound to come up. This easy-to-read guide tackles the most frequently asked insurance questions, from “What does a deductible really mean?” to “Can I change plans mid-year?” No jargon. No fluff. Just straightforward answers that help you make smarter decisions.
Some answers are easier with a real person. Chris Carmichael is a licensed, independent health insurance agent who’s here to help—without pressure or sales tactics.
Agent Disclosure
Chris Carmichael is a licensed independent health insurance agent doing business under Lighthouse Health Advisors. His license is held through Advocate Health Advisors, a national Field Marketing Organization (FMO). While affiliated with Lighthouse Health Advisors, Chris operates independently and provides services directly to clients. He does not represent or act as an employee, owner, or official spokesperson of Lighthouse Health Advisors or Advocate Health Advisors. Insurance plans and benefits vary by carrier and region. Services are provided at no cost to clients; Chris is compensated directly by the insurance carriers upon enrollment.
Copyright © 2025 Health, Life and Medicare - All Rights Reserved.
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.