Health Insurance Agent in St. Cloud, FL: ACA and Medicare Help
Live in St. Cloud, Harmony or Narcoossee? Lobsang Rivas is a licensed agent based in Central Florida who helps east Osceola County families compare ACA Marketplace plans and Medicare options, and helps with MyACCESS applications. The help is free to you, in English or Spanish, by phone, video or in person by appointment.
- Your Marketplace plans depend on the county where you live (Osceola), not where you work.
- Commute to Lake Nona or Orlando? We check that your doctors and hospitals are in each plan’s network.
- Open Enrollment runs November 1 to January 15; enroll by December 15 for January 1 coverage.
Health insurance for St. Cloud commuters
A lot of St. Cloud households drive the 192 or the 417 every day for work at Lake Nona, the airport or Orlando. That matters for health insurance in two ways: your plan options come from Osceola County, but your doctors may be in Orange County. Before you pick a plan, we look up whether the hospital and specialists you actually use (in St. Cloud, Kissimmee or Lake Nona) are in-network, and whether you’d need a referral. If you work in Orange County, see also health insurance help in Orlando.
ACA Marketplace plans in St. Cloud
- Compare Bronze, Silver and Gold plans for Osceola County and see what you may save with tax credits. Start with the free quote page.
- Understand what you could pay: how much Obamacare costs in Florida and income limits.
- Moved to St. Cloud, lost a job or had a baby? See Special Enrollment in St. Cloud and the full Florida Special Enrollment guide.
- Self-employed or working gig jobs? Read Open Enrollment for the self-employed.
Medicare help in St. Cloud
St. Cloud has many retirees and people turning 65. We help you choose between Original Medicare with a Supplement and a Medicare Advantage plan, check your prescriptions for Part D, and plan the timing if you are still working. Fall Annual Enrollment runs October 15 to December 7. Start with Medicare help in Kissimmee and Osceola, Advantage vs Supplement in Orange and Osceola and turning 65 in Central Florida.
MyACCESS, Medicaid and food assistance
Need Medicaid, SNAP (food assistance) or a Medicare Savings Program? We help you apply on MyACCESS for free. We are not DCF; DCF decides eligibility. See Medicaid office in Kissimmee? and MyACCESS help in Kissimmee.
Neighborhoods we help
Downtown St. Cloud, East Lake Toho, Canoe Creek, Harmony, Narcoossee, Kindred, Twin Lakes, and the communities along U.S. 192 toward Holopaw. Nearby: Kissimmee, Poinciana and all of Osceola County. En español: agente de seguro médico en Kissimmee.
Who helps you
- Areas served: St. Cloud, Harmony, Narcoossee and all of Osceola County (ZIP codes 34769, 34771, 34772 and 34773), plus Orange County
- Meetings: In person in St. Cloud and Kissimmee by appointment, or by phone, video and WhatsApp
- Languages: English and Spanish
- Licensed agent: Lobsang Rivas, licensed health insurance agent, NPN 18838086. Florida resident license; non-resident licenses in Texas, Michigan, Tennessee, New York and New Jersey.
- Hours: Monday–Friday 8 a.m.–5 p.m., Saturday 9 a.m.–3:30 p.m. (Eastern)
- Contact: (321) 315-0054 · agent@inshh.com · WhatsApp
- Google: read our Google reviews · we are a service-area business with no walk-in office
Health insurance in St. Cloud: FAQ
Are Marketplace plans in St. Cloud different from Kissimmee?
St. Cloud and Kissimmee are both in Osceola County, so you will usually see the same Marketplace insurers and prices. What often differs is which doctors and hospitals you use. Many St. Cloud families see doctors in Lake Nona or Orlando, so we check that each plan’s network includes them.
I work in Orange County but live in St. Cloud. Which plans can I get?
Your Marketplace plan options depend on where you live, not where you work, so you shop Osceola County plans. If you get coverage through your job instead, your employer’s plan applies. We can check whether doctors near your work are in-network.
Can you help with Medicare in St. Cloud?
Yes. We help St. Cloud residents compare Medicare Advantage, Medicare Supplement and Part D plans, and with turning-65 timing and the fall Annual Enrollment Period. We check your doctors and prescriptions first.
Do you help with Medicaid or food stamps in St. Cloud?
Yes. We help you apply on MyACCESS for free. We are not DCF; DCF decides eligibility.
Do I have to pay for your help?
No. Our help is free to you. When you enroll in a plan through us, the insurance company pays us. Your premium is the same either way.
Talk to a licensed agent who knows St. Cloud
Questions about your situation? A licensed agent can review your options with you — free to you. Call (321) 315-0054 or message us on WhatsApp.
¿Prefiere español? Llame al mismo número: (321) 315-0054. Hablamos español.
Medicare disclosures, including the CMS third-party marketing disclaimer, appear in the footer of every page and on our Disclaimers page. Instant Health Help is not connected with or endorsed by the U.S. government or the federal Medicare program.
We are a licensed agency, not HealthCare.gov or any government agency. We can help you enroll in plans on the official Health Insurance Marketplace. Eligibility, prices and savings depend on your income, household and ZIP code; no plan, price or premium is guaranteed.
Instant Health Help is a licensed insurance agency, not the Florida Department of Children and Families (DCF) and not a Medicaid office. We help you complete your MyACCESS application for free; DCF decides eligibility.
Lobsang Rivas, licensed health insurance agent, NPN 18838086. Florida resident license; non-resident licenses in Texas, Michigan, Tennessee, New York and New Jersey.