Instant Health Help
Last updated: October 8, 2026
Insurance agency, not a carrier
Instant Health Help is a licensed insurance agency. We help you compare plans. We do not underwrite or issue policies. We are not HealthCare.gov, Medicare.gov, CMS, or Social Security.
Compensation
Our help is free to you. If you enroll, we may receive compensation from the insurance carrier. There is no extra fee from us to compare.
No guarantees
We do not guarantee coverage, premium, subsidy amount, network, or eligibility. Plan details depend on your ZIP, county, income, and the carrier.
Medicare — TPMO disclaimer
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 489 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 1-800-MEDICARE (TTY 1-877-486-2048) is available 24 hours a day, 7 days a week, except some federal holidays.
Instant Health Help is not connected with or endorsed by the U.S. government or the federal Medicare program. Enrollment in a plan depends on the plan’s contract with Medicare being renewed.
Medicare has its own enrollment periods. We can explain them. We do not send unsolicited Medicare messages.
ACA / marketplace
Marketplace plans and subsidies depend on household income, family size, county, and whether you have a job-based offer. We do not replace HealthCare.gov.
Advertising
If we mention a specific plan, rate, or carrier, that material is used as approved by that carrier. We do not use fake reviews or fake ratings.
License
Our agent, Lobsang Rivas (NPN 18838086), holds a Florida resident health insurance license and non-resident licenses in New York, New Jersey, Tennessee, Texas, and Michigan. Plan and carrier availability in each state depends on carrier appointments. Confirm a Florida license at https://licenseesearch.fldfs.com/ or any state license through NIPR at https://nipr.com/.
Questions
agent@inshh.com · (321) 315-0054
Mon–Fri 8:00 a.m.–5:00 p.m., Sat 9:00 a.m.–3:30 p.m. ET