Disclaimer:. I am not an insurance company, or employed by: Covered CA / State or Federal Agencys. I am an insurance agent. I can not qualify you for federal or state Advance Premium Tax Credits to apply in the “CA Insurance Exchange-Covered CA.”  I am not a lawyer, accountant, tax attorney or estate planner.  My services include the pricing and presentation of various insurance and/or health maintenance programs.  To the degree that the products purchased may affect your estate, your tax status, or have a legal effect, it is your responsibility to contact the appropriate professional for their advice and counsel. I will NOT interpret Federal or State laws.  My presentation of the product is limited to information given to me from the insurance industry. 

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