The one person on here that I think can help you the most is Healthagent, John Petroski. Sorry John if I spelled your name incorrectly.
He can help you answer all those questions and a lot more.
His association is specifically designed for agents like you.
However, if you are unwilling to make an investment in your business then doing your own research is going to be very, very time consuming and the mistakes you will make will be very expensive.
This is not a "smart ass" answer nor do I have anything to gain. Just trying to head you down the "right path".
It will be the most efficient, cost effective method to starting a financially successful career in the health insurance market.