Clonts is an independent health insurance broker who helps individuals understand Medicare, marketplace insurance, and other coverage options. “I don’t charge for my services, but mainly my clients are Medicare clients.” Clonts helps clients enroll in Medicare Parts A and B before walking them through the additional choices available to them. Working with several companies allows her to consider each client’s health, budget, and individual circumstances. “Everybody falls in a different category, and everybody’s budget is different,” Clonts said.