Health, Medicare & Life Insurance — Made Simple by a Local Maryland Broker
I'm Chris Oates, a licensed insurance broker based in Hampstead, Maryland. I help individuals, families, retirees, and small business owners compare plans across dozens of carriers — then guide you through enrollment, claims, and every change in between. No fees. No pressure. Just honest advice.
CMIP® Certified Medicare Insurance Planner
Licensed in health, life & Medicare
Independent — access to 30+ carriers
5.0 stars across 28 verified reviews
Free consultations · no obligation
How I Can Help
One broker for every stage of your health & life coverage
Most people juggle their health insurance, Medicare, and life insurance across different companies and 800-numbers. I bring it all under one roof — so when something changes, you have one person who already knows your situation.
Health Insurance
Individual and family plans through the ACA marketplace, short-term coverage, and dental/vision — matched to your budget, doctors, and prescriptions.
Learn moreMedicare
Advantage, Supplement (Medigap), and Part D plans. Independent side-by-side comparisons so you understand exactly what you're enrolling in.
Learn moreLife Insurance
Term, whole life, and final-expense policies to protect your family, pay off a mortgage, or leave a legacy — from A-rated carriers.
Learn moreSmall Business & Group
Group health, ancillary benefits, and business owner coverage designed for Maryland small businesses and self-employed professionals.
Learn more
Meet Your Broker
Chris Oates, CMIP®
Licensed Health & Life Insurance Broker · Certified Medicare Insurance Planner
A Towson University graduate and lifelong Marylander, Chris built his practice on a simple idea: people deserve an insurance broker who actually picks up the phone. Whether you're a young family shopping the marketplace, a business owner comparing group plans, or turning 65 and staring at a stack of Medicare mail — Chris walks you through it one option at a time.
His clients consistently describe him with the same words: patient, honest, knowledgeable, and genuinely helpful. Twenty-eight of them have taken the time to write it in a public five-star review.
Why a Broker?
You get the same plans — with a real person in your corner
It costs you nothing
Insurance carriers pay brokers — not you. My guidance, quotes, and enrollment help are always free.
Independent, not captive
I work with dozens of carriers, so I can shop the whole market instead of pushing one company's product.
Local, year-round support
When you have a claim question, a doctor issue, or a plan change — you call me, not an 800 number.
Plain-English explanations
Deductibles, MOOP, formularies, LIS, IRMAA — I translate the jargon so you can decide with confidence.
In Their Own Words
Rated 5.0 by every client who's written a review
"I cannot recommend Chris highly enough as a health insurance broker! Navigating the healthcare market can be overwhelming, but Chris made the entire process seamless and stress-free. Exceptionally knowledgeable and highly patient."
"Chris is always at the ready to help me find the doctor or facility I need to get the best service for my health. He has saved me a lot of money and time. I appreciate the personal service he gives."
"An excellent experience working with Chris for my life insurance needs. Incredibly knowledgeable, patient, and took the time to clearly explain all my options without any pressure. Highly recommend as a local agent here in Maryland."
Visit the office
4014 Hampstead Mexico Road
Hampstead, MD 21074
Office hours
Mon–Fri 8am–7pm · Sat 9am–5pm
Evenings & weekends by appointment
Call or text Chris
Let's find the right coverage — together
Whether you're shopping the ACA marketplace, aging into Medicare, or protecting your family with life insurance, Chris will walk you through your options in plain English. No pressure, no cost to you.