Pricing
No Separate Fee for Our Guidance.
Our guidance is available at no separate cost to most clients. We're compensated by insurance carriers when you enroll — so you get personalized, education-first guidance without a separate fee.
How it works
How we're paid — the honest version
Transparency matters to us. Here's the simple truth about how we're paid.
Carriers compensate us
When you enroll in a plan, the insurance carrier compensates us. That's built into how the industry works — not added on top of your premium.
Your price is the same
Plan premiums are set and regulated by carriers. Working with a licensed agent doesn't cost you more than going direct.
You get more
Personalized guidance, carrier comparisons, and a real person to call later — with no separate cost to you.
Compare
Buying yourself vs. working with LTN
Both cost you the same in premium. Here's what changes.
| What you get | On Your Own | With LTN Collective |
|---|---|---|
| Personalized guidance for your situation | ||
| Compare multiple carriers in one place | ||
| Help understanding the fine print | ||
| Support during enrollment | Limited | |
| A real person to call later | ||
| Costs you extra |
FAQ
Questions about how we're paid
How much does it cost to work with LTN Collective?
There's no separate fee for our guidance. We're compensated by insurance carriers when you enroll in a plan, so most clients don't pay us directly for our time or advice.
Will I pay more for my plan by working with you?
No. Plan premiums are set by the carriers and regulated. Working with a licensed agent doesn't cost more than going direct — and you get personalized guidance at no separate cost.
Are you paid to recommend certain plans?
We recommend options based on your situation and eligibility. Our role is education-first: we explain the choices so you can decide with confidence. Plan availability, pricing, and eligibility vary by carrier, state, and individual circumstances.
Is there ever a fee for anything?
For the insurance guidance we provide, there's no separate fee. If a situation ever involved a separately paid service, we'd tell you clearly and up front before anything happened.
Plan availability, pricing, and eligibility vary by carrier, state, and individual circumstances.