Independent Licensed Insurance Broker · Austin, Texas
The right insurance plan — chosen with you, not sold to you
I'm Roman Shopin. I compare Medicare, health and life insurance plans from dozens of carriers to find the one that actually fits your doctors, your medications and your budget. My help is always free for you.
- TX License #3473507
- 25+ carriers compared
- Broker services are free for you
Independent broker
I work for you — not for one insurance company. Contracts with 25+ carriers mean a real comparison, not a sales pitch.
My help costs you nothing
Brokers are paid by insurance companies — you pay the same premium with or without me. And since my commission doesn't depend on which plan you pick, my only goal is the right fit.
Support after enrollment
Address change, new baby, renewal, claims questions — you text me, I handle it. For as long as you keep the policy.
English · Русский
Every plan explained in plain language — whichever one is yours.
What I do
One broker for every stage of life
From your first Marketplace plan to Medicare and protecting your family's future — everything under one roof, explained in plain language.
Medicare
Turning 65? I'll help you enroll on time, avoid penalties, and choose between Medicare Advantage, Medigap and Part D — based on your doctors and prescriptions.
Learn more Self-employed & familiesHealth Insurance (ACA)
Marketplace / Obamacare plans for the self-employed, 1099 contractors and families. Subsidy check included — many clients pay far less than they expect.
Learn more FamiliesTerm Life Insurance
Protect your family's income for 10–30 years. Coverage of $500K–$1.5M often costs less than a few cups of coffee a month.
Learn more Business ownersIndexed Universal Life (IUL)
Permanent protection plus tax-advantaged cash value tied to a market index. A retirement strategy for high earners and business owners.
Learn more EveryoneDental Insurance
In the U.S. dental care is a separate policy. Affordable plans for cleanings, fillings, crowns and orthodontics.
Learn more EveryoneVision Insurance
Annual eye exams, glasses and contact lenses covered — an inexpensive add-on that pays for itself.
Learn moreHow it works
From “I have no idea” to enrolled — in four steps
- 01
We talk — 15 minutes
You tell me about your situation: work, family, doctors, medications, budget. By phone, WhatsApp, Telegram or Zoom — English or Russian.
- 02
I compare the market
I check plans from 25+ carriers, verify that your doctors are in-network and your prescriptions are covered, and calculate any subsidy you qualify for.
- 03
You choose, I enroll you
You get 2–3 clear options with real numbers: premium, deductible, out-of-pocket maximum. You pick — I handle all the paperwork. Enrollment takes 30–60 minutes.
- 04
I stay on your side
Address change, new baby, annual renewal, a confusing bill — you contact me, not a call center. Free, for as long as you keep the policy.
Agent vs. broker
Why an independent broker beats going it alone
A captive agent represents one insurance company and can only sell you its plans. An independent broker holds contracts with dozens of carriers — so the comparison is real and the recommendation is objective. The plan you pick doesn't change what I earn, so the only thing that matters is what fits you.
Local detail matters too: provider networks in Dallas, Houston and Austin are built very differently. People who buy online often choose a carrier that's barely represented in their city — and only find out at the doctor's office. I check networks before you enroll, not after.
Carriers I work with
As an independent broker I hold contracts with these insurance companies — and compare their plans side by side for you.
- John Hancock
- Lafayette Life
- Lincoln Financial
- National Life Group
FAQ
Frequently asked questions
How much do your services cost?
Nothing — ever. Brokers are paid a commission by insurance companies, and it barely varies between plans, so I have no reason to push an expensive one. If any agent ever asks you to pay for a consultation or “processing”, walk away.
Will you push me toward one insurance company?
No. I'm an independent broker with contracts across 25+ carriers — Blue Cross Blue Shield, UnitedHealthcare, Cigna, Aetna, Humana, Oscar and more. I show you a side-by-side comparison and you decide.
Will my doctor accept the plan? Will my medications be covered?
That's exactly what I verify before you enroll. You give me your doctors, clinics and prescription list — I check networks and formularies for every plan we consider. No surprises at the pharmacy.
I don't want to leave my number and get 40 spam calls.
Your contact goes to me personally — not to a lead-generation service. I will be the only person contacting you, in the messenger you choose. That's a promise I can make because I'm a person, not a call center.
What happens after I buy the policy?
I stay your broker: plan changes, address updates, adding a newborn, annual renewal reviews, help understanding bills. You text or email me directly and I sort it out with the carrier.
Do you only work in Austin?
I'm licensed for the whole state of Texas and work with clients in Austin, Dallas, Houston, San Antonio and everywhere in between — most consultations happen by phone or video anyway.
Not sure where to start? Start with a conversation.
15 minutes, zero obligation, zero cost. Worst case — you'll finally understand how U.S. insurance works. Best case — you'll stop overpaying for the wrong plan.
Free consultation
Get a free plan comparison
Leave your contact and I'll get back to you the same day. No spam, no call centers — your number stays with me only.