Beat High Costs
Tired of high monthly premiums and out-of-pocket surprises? I find plans tailored to your budget, including options with $0 deductibles and $0 copays.
Licensed in 10 states
Find Affordable Health Insurance Without the High Deductible.
I help individuals and families across 10 states get plans with $0 copay and $0 deductible options, so you can see any doctor with nationwide PPO networks.
- Any Doctor, Any Hospital
- Nationwide PPO Networks
- Accident & Illness Protection
- Total Peace of Mind
$0
Deductible and copay options available on select private plans.
Proudly partnered with
- USHEALTH Group
- Freedom Life Insurance Company of America
- National Foundation Life
- Enterprise Life
- USHEALTH Group
- Freedom Life Insurance Company of America
- National Foundation Life
- Enterprise Life
0
States served
$0
Deductible options
0
Days a year to enroll
Stop Overpaying for Underwhelming Coverage.
Gain Total Freedom
Frustrated with limited networks? Access powerful nationwide PPO plans that give you the freedom to choose your preferred doctors and hospitals.
Get Expert Clarity
Confused by complex jargon? I provide clear, honest guidance, breaking down your options so you can enroll with complete confidence.
Coverage I Specialize In
Private Health Insurance
For individuals and families seeking customizable, robust coverage with $0 deductible options.
Marketplace (ACA) Plans
Clear help navigating government-subsidized options and checking what you actually qualify for.
Dental & Vision
Essential everyday coverage that completes your protection for the whole household.
How It Works
- 1
Request a Quote
Fill out a quick form with your household, budget and coverage needs.
- 2
Get a Custom Plan
I personally review your options and present a tailored plan — in plain English.
- 3
Enroll with Ease
I guide you through enrollment from start to finish, and I'm here after you're covered.
Your Passionate and Dedicated Health Advisor
I'm Luis Antonio Somoza, a licensed health insurance advisor serving families across ten states. I built my practice on three things: expertise, integrity and a genuine passion to serve others. That means I take the time to understand your doctors, your prescriptions and your budget before I recommend anything.
You'll never get a hard sell from me — just a clear side-by-side comparison and an honest recommendation you can act on with confidence.
Learn More About LuisWhat My Clients Are Saying
“Luis found us a plan with a $0 deductible for less than we were paying for coverage we could barely use. He explained every detail until my husband and I truly understood it. Zero pressure, all guidance.”
Maria G. · Miami, FL
Ready to Find Your Perfect Health Plan?
Share a few details and I'll personally put together a free, no-commitment quote built around your household, your doctors and your budget.
- Free personalized quote, zero obligation
- $0 deductible and $0 copay options
- Answers from a real licensed advisor, not a call center
Have questions before you commit?
Call or text me directly — I answer my own phone and I'm happy to walk through your options.