About Adam Chidel

Adam Chidel helps Michigan households compare individual and family health coverage — Marketplace plans on HealthCare.gov, off-Exchange ACA policies, private underwritten options where they fit, and, when a temporary gap is the real need, short-term coverage with its limitations spelled out.

He is Chief Executive Officer of Titan Legacy Insurance Brokerage and President of Chidel Family Insurance Inc. His Florida resident insurance license number is W477560. His Florida license type is 2-15 Resident Health & Life (Including Annuities & Variable Contracts). His National Producer Number (NPN) is 18746906. You can confirm the Florida license on the Florida DFS Licensee Search and look up an NPN through the National Insurance Producer Registry. License type wording: Florida DFS, 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License.

Why work with a broker

Our licensed team serves clients in all 50 states. The guidance on this site is written for Michigan residents.

Our team includes 25 active licensed professionals whose job is to work for you, the consumer — not to steer you toward a single carrier. As brokers, we are unbiased about which company you choose. We are here to help you understand the market, narrow the choices, submit applications, and work toward approval for coverage that gives you the best balance between what you pay in total each year and the benefits you receive.

Insurance is not black and white. The monthly premium is only part of what you pay. Deductibles, copays, coinsurance, and prescription costs can change the year-end total dramatically, and the plan that looks cheapest each month is not always the plan that costs less over a year of real care.

Here is a concrete way to think about it. A 30-year-old man who goes in each year for a physical, and a 55-year-old man on several brand-name medications who hits his deductible every year, should not be treated as if they will pay the same for coverage. Their total yearly costs, and the plan designs that fit them, are often very different.

It is important to be precise about why. Affordable Care Act (ACA) and Marketplace plans are not allowed to set your premium based on your health or medical history, your sex, or a pre-existing condition. Under federal rules, those premiums may vary only by age, location (rating area), tobacco use, and whether the plan covers an individual or a family. Both of the people in that example could be quoted the same ACA premium if they were the same age, in the same place, with the same tobacco status and family size — but what they spend after the premium, and therefore which metal level or network is a better fit, can still be far apart.

Some private, medically underwritten plans sold outside the ACA rules may use health history in underwriting and pricing. That can mean a lower premium for a healthier applicant, and it can also mean an application is declined or priced differently when medical conditions are significant. Those products are not the same as ACA coverage, which remains guaranteed issue and must cover pre-existing conditions. We will tell you which set of rules applies to each option we show you, and we will not blur them together.

Sources on how ACA premiums are set: HealthCare.gov, How insurance companies set health premiums; CMS, Market Rating Reforms.

See the carriers we’re appointed with.

Where we are based

Chidel Family Insurance Inc
Tampa, FL
Phone: 813-909-5628
Email: achidel@titanlegacyins.com
Email: Adam@chidelfamilyinsurance.com
Web: www.titanlegacyins.com
Hours: 8am–8pm ET

We are based in Tampa, FL. This particular site is written for the entire state of Michigan — and only Michigan — because that is how individual-market networks and issuer filings are organized. Our licensed team serves clients in all 50 states.

How we stay in our lane

• This domain does not describe other states’ insurance markets.
• We do not claim affiliation with HealthCare.gov CMS, or the Michigan Department of Insurance and Financial Services.
• Appointed carriers are listed in text on the Carriers page, with official sources for the ACA issuer history. An appointment is not a guarantee that a given plan is sold in your ZIP code.
• When we cite a published premium average or rate change, it is labeled as an average or filing figure, never as your quote.

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