Insurance Questions, Answered Honestly

Prospr Insurance Solutions is an independent insurance agency based in South Florida, licensed in Florida, North Carolina, Michigan, and additional states. We help individuals, families, and small business owners find the right life insurance and health insurance coverage, at the best available price.

Because we're independent, we work with dozens of carriers and aren't tied to any single company. That means we shop the entire market on your behalf and give you unbiased recommendations.

• Life Insurance, Term life, whole life, final expense, and no-medical-exam policies
• Health Insurance, ACA Marketplace plans, short-term medical, employer group plans
• Dental & Vision, Standalone and bundled plans
• Supplemental / GAP Coverage, Critical illness, accident, hospital indemnity

Yes. Hugo Scamarone holds a Florida 2-15 Life, Health & Annuities license (Agency NPN #22240231) and has been licensed since 2013. Prospr Insurance Solutions LLC operates as a licensed insurance agency in Florida and multiple other states. You can verify any licensed agent or agency through your state's Department of Financial Services website.

Prospr is a fully remote agency, we serve clients across Florida (Miami-Dade, Broward, Palm Beach, and beyond), North Carolina, Michigan, and additional licensed states. We meet by phone, video call, or text. You never need to come into an office.

If anyone depends on your income, a spouse, children, aging parents, a business partner, then yes. Life insurance exists for one reason: to make sure your family isn't left with your bills if something happens to you.

The question isn't really whether you need it. It's whether you can afford not to have it. A basic term life policy can cost less than your Netflix subscription. The only wrong move is waiting until you're older or sick, when rates go up significantly.

The most common rule of thumb is 10–12 times your annual income. But a more accurate method is the DIME formula:

• Debt, all outstanding debts besides your mortgage
• Income, annual income × number of years your family needs support
• Mortgage, remaining balance on your home
• Education, estimated cost of your children's college

Add those four numbers together and subtract any coverage you already have. That's your target. If you have kids, add $100,000 per child. Hugo can run this calculation for you for free in about 5 minutes.

A lot less than most people think. A healthy 30-year-old can get $500,000 of 20-year term life coverage for as little as $20–$25/month. Rates depend on your age, health, coverage amount, and term length.

The earlier you lock in a policy, the cheaper it is, rates are based on your age and health at the time you apply. Every year you wait, it costs more.

Term life covers you for a set period, 10, 15, 20, or 30 years. It's pure protection with no cash value. It's the most affordable option and what most families with young children and a mortgage need.

Whole life covers you for your entire life and builds cash value over time. It's more expensive but can serve as a financial tool in certain situations.

For most working families, term life is the right choice. Hugo will tell you honestly which one fits your situation, not which one pays a higher commission.

Yes. Many carriers now offer no-exam life insurance, also called simplified issue or accelerated underwriting, where you answer a few health questions online and get approved in minutes. Coverage amounts typically go up to $500,000–$1,000,000 depending on the carrier.

These policies are slightly more expensive than fully underwritten policies, but the convenience and speed make them popular. Hugo works with several carriers that offer same-day coverage.

For term life insurance, if you stop paying your premium, your coverage will lapse after a grace period (typically 30 days). Once lapsed, you'd need to reapply, and if your health has changed, you may not qualify for the same rates.

Whole life policies may have non-forfeiture options depending on the carrier. Hugo can explain your specific policy's provisions before you make any decisions.

There are two main windows:

• Open Enrollment (OEP), typically November 1 through January 15 each year. This is when anyone can apply for an ACA Marketplace plan regardless of health status.
• Special Enrollment Period (SEP), triggered by a qualifying life event: losing job-based coverage, getting married, having a baby, moving to a new state, turning 26 and coming off a parent's plan, etc. You typically have 60 days from the event to enroll.

If you missed Open Enrollment and don't have a qualifying event, short-term medical coverage may be an option to bridge the gap. Hugo can walk you through all of this.

Self-employed people have strong options, more than most folks realize. Because your income can swing month to month, you may qualify for premium tax credits that bring your ACA Marketplace premium down, in some cases close to $0, depending on what you actually earn for the year.

The paths Hugo will walk you through:

• ACA Marketplace plans, on or off exchange, with a subsidy estimate before you commit
• A spouse's employer plan, if getting added there beats buying your own
• Short-term medical, to bridge a gap between coverage (not ACA-compliant, so it fits some situations and not others)
• A QSEHRA or ICHRA, if you have even one or two employees and want to help them get covered tax-free (see Coverage Through Work below)

If you file a Schedule C, the self-employed health insurance deduction may let you write off your premiums; your tax preparer can confirm what you qualify for. Hugo works with a lot of 1099 earners and small business owners and will find the setup that actually fits your income and your family.

• HMO (Health Maintenance Organization), Lower premiums, but you must stay in-network and get a referral to see specialists. Best for people who want lower costs and don't need out-of-network care.
• PPO (Preferred Provider Organization), Higher premiums, but more flexibility to see any doctor without a referral. Best for people who travel frequently or want maximum choice.
• EPO (Exclusive Provider Organization), Like an HMO in network structure, but no referrals needed. No out-of-network coverage except emergencies.

The right plan depends on your doctors, medications, and how often you use healthcare. Hugo compares all available plans in your area side by side.

Maybe, it depends on the plan's network. Before switching plans, Hugo will verify whether your current doctors and preferred hospitals are in-network for any plan you're considering. This is one of the biggest mistakes people make when picking a plan on their own: choosing based on premium alone, then discovering their doctors aren't covered.

Premium tax credits (subsidies) reduce your monthly health insurance premium. They're available to households with income between 100% and 400% of the federal poverty level, and in some cases beyond that depending on current legislation.

For 2026, enhanced subsidies that were in effect through 2025 have expired, meaning some people will pay more out of pocket. However, tax credits are still available and can be substantial. A family of four earning $60,000/year could still qualify for hundreds of dollars per month in subsidies.

Hugo can calculate your estimated subsidy before you even apply, no commitment required.

If you qualify for a premium tax credit, you must buy on-exchange (through HealthCare.gov or your state's marketplace) to receive it. If you don't qualify for subsidies, off-exchange plans from the same carriers are often available with more plan options.

As an independent broker, Hugo has access to both on- and off-exchange plans and will show you everything side by side so you can make an informed decision.

If you miss Open Enrollment and don't have a qualifying life event, your main options are:

• Short-Term Medical (STM), Coverage that starts quickly, often within 24 hours. Not ACA-compliant but provides basic protection during a gap period.
• COBRA, Continuation of your former employer's coverage. Expensive (you pay the full premium), but maintains your existing network.
• Waiting for your next qualifying event, Job change, marriage, move, etc. all trigger a Special Enrollment Period.

Hugo can help you figure out which option makes the most sense for your specific situation.

Yes. As an independent broker, Hugo helps small business owners put real benefits in place without the runaround, and without pushing you into something that doesn't fit. Depending on your size, budget, and goals, that can mean:

• Small-group major medical, a traditional employer health plan Hugo shops across carriers for you
• ICHRA or QSEHRA, where you fund a tax-free allowance and your team buys their own coverage
• Worksite and voluntary benefits, accident, critical illness, disability, and more, mostly employee-paid through payroll
• Group dental, vision, and life, simple add-ons that make your offer more competitive

Hugo will lay out the options in plain language and help you pick what your business can actually sustain.

ERISA is the federal law (the Employee Retirement Income Security Act of 1974) that sets the ground rules for most benefits offered through a private employer, including group health, life, disability, and retirement plans. If you get coverage through a private-sector job, it's probably an ERISA plan.

In practical terms, ERISA means the plan has to give you certain things: a written plan document and a Summary Plan Description that spells out your benefits, a fair process to file a claim and appeal a denial, and people running the plan who are held to a legal standard when they make decisions about your coverage.

A few things ERISA does not cover: plans from government employers, most church plans, and individual policies you buy on your own outside of work (like an ACA Marketplace plan) are not ERISA plans. If you're an employer setting up benefits, the plan documents and required filings matter, and Hugo can point you to the right specialist for that side while he handles the coverage itself.

They're two modern ways to help your team get covered without running a traditional group plan. Instead of buying one plan for everyone, you give employees a tax-free monthly allowance and they buy their own individual coverage, then get reimbursed.

• QSEHRA, built for small employers (under 50 full-time-equivalent employees) that don't offer a group plan. Reimbursements are capped at annual limits set by the IRS.
• ICHRA, open to a business of any size, with no cap on what you can contribute. Employees must be enrolled in their own individual plan or Medicare to take part.

These can be a great fit if a full group plan is too expensive or too rigid. One catch worth knowing: if you're offered an affordable ICHRA, it can affect whether you also qualify for an ACA subsidy, so it pays to run the numbers first. Hugo can model it for your team and enroll everyone in the right individual plans.

Yes. Through worksite carriers like Colonial Life, Hugo can bring benefits to your team that cost the business little to nothing, because they're usually employee-paid through payroll. These include accident, critical illness, hospital indemnity, disability, and worksite life coverage.

They're a popular way to round out a benefits package, or to give employees real protection when a full medical plan isn't in the budget yet. Hugo handles the enrollment and the education so your team actually understands what they signed up for.

Beyond protecting your own family, business owners often use life insurance to protect the business itself:

• Key person coverage, so the business has cash to survive if an owner or an essential employee dies
• Buy-sell funding, so a surviving partner can buy out a departing partner's share without a fire sale or a fight with the family
• Loan and personal protection, so a business debt or your family's income isn't left exposed

Hugo can walk you through which of these fits your situation and size the coverage so it does the job without overpaying.

No, Hugo's services are completely free to you. Insurance brokers are compensated by commissions paid by the insurance carriers, not by the client. You pay the same premium whether you buy directly from a carrier, through HealthCare.gov, or through Hugo. There are no hidden fees, no enrollment fees, and no catch.

When you go directly to a carrier (like calling Cigna or going to HealthCare.gov alone), you only see that one company's options. An independent broker like Hugo works with dozens of carriers and can show you all of them at once, saving you hours of research and potentially hundreds of dollars per month.

Beyond just finding a plan, Hugo advocates for you when issues come up with your carrier, helps with claims questions, and does your annual review to make sure you're still on the best plan as your life changes.

A captive agent (like a State Farm or Allstate agent) can only sell products from one company. They're not free to tell you if a competitor has a better deal. Hugo is fully independent, he has no obligation to any one carrier and recommends whatever is actually best for you. His only loyalty is to his clients.

Yes. Hugo is fully bilingual in English and Spanish and serves a large South Florida Hispanic community. If you're more comfortable communicating in Spanish, just let him know. ¡Hablamos español!

It's simple and takes about 10–15 minutes:

• Step 1, Free consultation. You tell Hugo what you need: coverage type, budget, and any specific concerns (existing doctors, medications, family size, etc.).
• Step 2, Hugo shops the market. He pulls quotes from multiple carriers in real time and presents your best options with a clear comparison.
• Step 3, You pick, Hugo enrolls you. Once you choose a plan, Hugo handles the enrollment paperwork. Most policies are active within 24–48 hours.
• Step 4, Ongoing support. Hugo is your point of contact for any questions, billing issues, or annual reviews going forward.

For life insurance with no medical exam, coverage can be active the same day. For health insurance, ACA plans typically start the 1st of the following month after enrollment (or sooner during Special Enrollment). Short-term medical plans can start in as little as 24 hours.

For a basic quote, Hugo just needs:

• Your date of birth (and dependents if applicable)
• Your zip code
• Estimated annual household income (for health insurance subsidy calculation)
• Any current medications or health conditions you want to make sure are covered

That's it to get started. Additional info is only needed at the time of actual enrollment.

Sí. Hugo is fully bilingual and serves the South Florida Hispanic community in both English and Spanish. Whether you prefer to communicate by phone, text, or email, in either language, Hugo is here for you.