Health Insurance

Health coverage that fits your life.

Whether you're self-employed, between jobs, or just want better options, I'll help you compare individual and family health plans and understand exactly what you're getting.

Who I Help

Coverage without an employer plan

Self-employed & 1099

Entrepreneurs, contractors, real estate agents, and gig workers who need to build their own benefits.

Individuals & families

Plans for you, your spouse, and your kids, with options for different budgets and needs.

In-between seasons

Changing jobs, aging off a parent's plan, or recently moved? There may be options available to you.

Plan Options

More than one way to get covered

Health insurance isn't one size fits all. Depending on your state, health, and budget, I can help you compare a range of options, including:

  • ACA Marketplace plans
  • Private health plans
  • Short-term medical coverage
  • Supplemental and indemnity plans
  • Dental and vision coverage

What we'll review together

  • Your doctors and whether they're in network
  • Prescriptions you take regularly
  • Monthly premium vs. out-of-pocket costs
  • Deductibles, copays, and maximums
  • What's covered and what isn't
Health Insurance FAQ

Clear answers, no jargon

When can I enroll in a health plan?

ACA Marketplace plans have an annual Open Enrollment period, and a qualifying life event like losing coverage, moving, marriage, or having a baby can open a Special Enrollment Period. Some private plans can be purchased year-round.

What's the difference between a premium and a deductible?

Your premium is what you pay each month to keep coverage. Your deductible is what you pay for covered care before your plan starts sharing costs. I'll help you find the right balance for how you actually use healthcare.

Can I keep my doctor?

Often, yes. We'll check your doctors and preferred hospitals against each plan's network before you choose.

Is there a cost to get help?

No. My help comparing plans is free to you.

Free Consultation

Compare health plans with a real person.

Tell me what's going on in your life and I'll walk you through your options in plain English. No jargon, no obligation, just clarity.

Protected by someone who gets it.

Samantha Melendez is a licensed independent life and health insurance broker based in Central Florida, helping families, homeowners, and self-employed professionals find coverage that fits. Se habla español.