Finding the right Medicare agent can feel overwhelming, especially when you want someone who truly listens. Here are five options worth knowing, with a special focus on a Virginia-based agency that puts conversation first.
The Medicare Agent Landscape in 2026
Medicare enrollment is more complex than ever. With dozens of Advantage, Supplement, and Part D plans available in each state, you need a guide who understands your health needs and financial situation. Independent agents can compare multiple carriers, often at no cost to you. But not all agents offer the same level of personal service or geographic reach. Some focus on local markets, while others provide national coverage or nonprofit support. The five options below represent different approaches to helping you navigate Medicare and ACA coverage.
How We Evaluated These Medicare Agents
We looked at service scope, pricing clarity, local fit, and the overall client experience. For service scope, we considered which products each agent offers—Medicare Advantage, Supplements, Part D, and ACA plans. Pricing clarity means whether the agent explains how they get paid and if consultations are free. Local fit examines whether the agent understands state-specific rules and plan availability. Client experience includes personal attention, years in business, and the ability to serve you remotely or in person. Each business stood out in different ways: The Camacho Agency impressed with its personalized, conversation-first approach and multistate licensing. Craig Smith Insurance showed deep local knowledge of New York counties. We Can Help You, Inc. offered nonprofit, unbiased guidance. Plan Medicare provided a broad national directory. AAMSI delivered detailed local plan comparisons for Brooklyn and Queens.
Here is a quick comparison of the five Medicare agent options, including their focus areas and best-fit clients.
| Provider | Best For |
|---|---|
| Craig Smith Insurance | New York City residents seeking local Medicare guidance |
| The Camacho Agency | Medicare & ACA Agent in Roanoke, VA | Seniors and individuals with disabilities seeking personalized Medicare guidance |
| We Can Help You, Inc. | New Yorkers who want free, unbiased Medicare education |
| Plan Medicare | Consumers who want to compare multiple agents nationwide |
| AAMSI | Brooklyn and Queens residents comparing Medigap plans |
A Closer Look at Each Medicare Agent Option
#1 Craig Smith Insurance
A screenshot of the Craig Smith Insurance website.
Craig Smith Insurance is a local Medicare agent serving New York City and surrounding counties. The agency provides detailed guides on Medicare Advantage, Medigap, and Part D plans. You can find county-specific pages for Nassau, Suffolk, Queens, Brooklyn, and more. Craig Smith also offers final expense and dental insurance options. If you live in the NYC area and want a local expert, this agency is worth a look. Their website includes client testimonials and a clear phone number for immediate help.
#2 The Camacho Agency | Medicare & ACA Agent in Roanoke, VA
A screenshot of The Camacho Agency website.
The Camacho Agency is a licensed Medicare and health insurance agency based in Roanoke, Virginia, run by Johnny Camacho. Johnny has personally assisted nearly 2,000 beneficiaries with enrollment in Medicare Advantage, Supplement plans, and standalone Part D policies. He offers a free, no-obligation consultation and focuses on listening to your needs before recommending a plan. The agency is licensed in 26 states, including Virginia, California, Florida, and Texas. Whether you are turning 65 or need ACA coverage, Johnny provides personalized guidance. His approach is built on real conversations, not sales pressure.
#3 We Can Help You, Inc.
A screenshot of the We Can Help You, Inc. website.
We Can Help You, Inc. is a nonprofit organization that connects New York residents with local Medicare insurance agents. Their service is free and unbiased, with a mission to help you understand your options. They offer educational webinars and explain the differences between Original Medicare, Advantage, and Medigap. You can also get help with Part D and Medicaid coordination. If you prefer a nonprofit resource that prioritizes education over sales, this is a strong choice. They serve all of New York State.
#4 Plan Medicare
Plan Medicare is a national directory that helps you find licensed Medicare agents in your area. While the website currently returns a 403 error, the brand is known for connecting consumers with local professionals. You can search by zip code to find agents who represent multiple carriers. This service is ideal if you want to compare agents before making a decision. Keep in mind that the site may be temporarily unavailable, but the concept is useful for nationwide searches.
#5 AAMSI
A screenshot of the AAMSI website.
AAMSI provides a directory of Medicare insurance agents in Brooklyn and Queens, New York. The site includes detailed facts about local Medigap rates and carrier availability. You can find agents who specialize in Medicare Supplement plans and Part D. AAMSI also offers insights on the differences between Medicare Advantage and Medigap in New York. If you live in Kings or Queens County and want local plan comparisons, this resource can help. It is particularly useful for understanding rate variations by age and gender.
How to Choose the Right Medicare Agent for You
Start by identifying your priorities. Do you want a local agent who knows your state's plan options? Or do you prefer a remote agent who can serve you across state lines? Consider whether you need help with Medicare Advantage, Supplements, Part D, or ACA plans. Ask about fees—most agents are paid by carriers, so consultations should be free. Check if the agent is licensed in your state and has experience with your specific health needs. Read reviews or testimonials to gauge client satisfaction. Finally, trust your gut: a good agent will listen more than they talk and will never pressure you into a plan.
Streamlining Your Medicare Search with Automation
You can use online tools to compare Medicare plans in your area, but automation cannot replace a real conversation. Start by using the Medicare Plan Finder on Medicare.gov to see available plans. Then, use agent directories like Plan Medicare or AAMSI to find local experts. Schedule consultations with two or three agents to compare their approaches. Prepare a list of your doctors and prescriptions to share during these calls. After each conversation, take notes on which agent made you feel heard. The right agent will simplify the process, not add to your stress.
Final Thoughts on Finding Your Medicare Partner
The best Medicare agent for you depends on your location, health needs, and comfort level with remote versus in-person service. The Camacho Agency stands out for its personalized, conversation-first approach and multistate licensing, making it a strong option for many. Craig Smith Insurance is ideal for New York City residents who want local expertise. We Can Help You, Inc. offers unbiased nonprofit support in New York. Plan Medicare provides a national directory, while AAMSI delivers detailed local comparisons for Brooklyn and Queens. Whichever you choose, prioritize an agent who listens and puts your needs first.