Straight Answers Before You Call
Choosing health coverage shouldn't feel like a guessing game. Here are the questions clients ask most — answered plainly. If yours isn't here, a free consultation is one call away.
Frequently Asked Questions
Does it cost anything to work with a broker?
No. Licensed brokers are paid by the insurance carriers, not by you. Your premium is the same whether you enroll directly or through Andres — you simply get an expert in your corner at no added cost.
Are you tied to one insurance company?
No. Andres is an independent broker authorized to represent all major carriers, including UnitedHealthcare, Aetna, Cigna, Humana, First Health, and Allstate Health Solutions, so the comparison you get is real, not a single company's pitch.
What's the difference between an ACA Marketplace plan and a private plan?
ACA Marketplace plans are standardized and may qualify for income-based subsidies that lower your monthly cost. Private plans sit outside the Marketplace and can offer more flexible networks or coverage structures. Which one fits depends on your income, health needs, and preferred doctors.
Can I keep my current doctor?
Often, yes. Before you enroll, Andres checks whether your preferred doctors and prescriptions are in-network for any plan under consideration, so there are no surprises after enrollment.
I'm self-employed — do I have options?
Yes. Freelancers, contractors, and 1099 workers regularly qualify for ACA subsidies that make Marketplace coverage more affordable than expected, plus private plan alternatives built for variable income.
Do you serve clients outside of Florida?
Yes. Andres is licensed to serve clients in all 50 states, so wherever you are, the same free, bilingual guidance applies.
Is service available in Spanish?
Yes. Andres provides full consultations in both English and Spanish, from the first call through enrollment.
What happens if I miss Open Enrollment?
You may still qualify for a Special Enrollment Period if you've had a qualifying life event — job loss, marriage, a new baby, or a move.
What happens after I enroll?
Andres stays available year-round for claims questions, plan changes, or renewal reviews — not just during enrollment season.
How do I get started?
Book a free consultation or request a quote, and Andres will follow up with real options based on your ZIP code, needs, and budget.
Ready to See Your Options?
Get a free, no-obligation quote from Andres Zelada — licensed broker, all major carriers, English & Spanish.