Health insurance help from a real Florida agent

We help individuals and families compare ACA (Obamacare) plans, Medicare Advantage, Medicare Supplements, prescription drug plans (Part D), dental, vision, and supplemental insurance. Our licensed agents help you understand which options may fit your needs and eligibility.

There is no cost to you for our help. We are compensated by insurance carriers if you choose to enroll, but there is no additional cost, no obligation, and no pressure.

ACA (Affordable Care Act) health insurance provides coverage that includes essential health benefits, such as doctor visits, prescriptions, preventive care, and hospitalization. Many people qualify for income-based subsidies that can lower monthly premiums.

Eligibility for ACA subsidies depends on factors like:

• Household income
• Family size
• County of residence
• Access to employer-sponsored coverage

Our licensed agents can help you understand your eligibility and estimate potential savings.

You may be able to enroll during:

• Open Enrollment
• Special Enrollment Periods, triggered by life events like job loss, marriage, divorce, moving, or loss of coverage
• Medicare has its own enrollment timelines, which we help explain clearly.

• Medicare Advantage (Part C) plans often bundle medical, prescription, and extra benefits like dental or vision.
• Medicare Supplement (Medigap) plans help cover out-of-pocket costs not paid by Original Medicare.

We help explain the pros and cons of each so you can make an informed decision.

Yes. We help review Medicare Part D prescription drug plans, including formularies, pharmacy networks, and costs, to help you find coverage that fits your medications.

Absolutely. Many self-employed individuals qualify for ACA plans and subsidies. We help explain options available for freelancers, contractors, and small business owners.

Yes. We help compare standalone dental and vision plans, as well as options bundled with health or Medicare Advantage plans.

In many cases, it takes just a few minutes to review options. The exact time depends on your situation, but our goal is to make the process simple and clear.

Yes. We are licensed health insurance agents. Our agent, Lobsang Rivas (NPN 18838086), is licensed in Florida and also in New York, New Jersey, Tennessee, Texas, and Michigan. We provide guidance based on current plan availability, eligibility rules, and state regulations.

We’re based in Central Florida (Orlando and Kissimmee) and help clients anywhere in Florida by phone, online, or in person locally: Orlando, Kissimmee, Orange County, Osceola County and all of Florida.

We are also licensed in New York, New Jersey, Tennessee, Texas, and Michigan, where we help by phone and online. Coverage availability varies by location.