I had talked to several agents before a friend of mine referred me to Alex Kulkarni. I was impressed with how quickly Alex returned my call. Within five minutes into the conversation, Alex was able to understand my situation - budget, needs, income, and my specific health need including some prescriptions I take. In the same call, Alex was able to make some recommendations. He gave me a choice to take my application over the phone or make an appointment to do it in person. I chose the former and we were done in 15-20 minutes. I received several follow up emails and calls that kept me posted of the progress, which really helped in not having any surprises. That was eight months ago. I am happy with the coverage. Alex helped me get premium reduction under the new laws, so the coverage is affordable yet reliable, and includes some important benefits that were missing in many other quotes I had received from other agents. I would definitely recommend Alex for your health coverage needs.