My husband and I feel very fortunate to have been referred to Rick Pugach by a dear friend only a few weeks before our daughter and her wife were facing and COBRA plan that didn't work in the market they'd recently relocated to. Rick was helpful from the first phone call. He thoroughly explained the realities of the market and was clear and concise with explaining options. As parents, we didn't want to impose on family members in order to assist them. Rick already knew the best path to assist and provided the confidentiality and impartiality we needed. I am grateful for Rick and for the prompt solution he provided for our family! I won't hesitate to recommend him to others.