Chris and his team gave me one quote and then I got charged more. He also lied about what was covered in order to get the deal sealed. He not only lied, but continued to delay my account so that he could benefit from it. And after trying to contact him or any members of his team, they ignored fully and never responded back, leaving me in the dark to figure out my plans I signed up with, even though they continued to make money off my plans. Terrible & shady people! Plus, the kicker: When I contacted HealthMarkets to ask about Chris, they told me he wasn't even an employee of theirs. WOW! I would highly advise anyone NOT to get screwed over by Chris or his associates. BEWARE!