Expertise
Years spent inside the details of private and Marketplace coverage means I can spot the gap in a policy long before it becomes your problem.
About
Luis Antonio Somoza · Licensed USHEALTH Advisor serving families across ten states.

I got into this work because I watched good people do everything right — pay their premiums every month, never miss a payment — and still get buried by a bill after a hospital visit. They weren't uninsured. They were underinsured, and nobody had ever explained the difference to them.
That's the gap I close. My job isn't to sell you a policy; it's to make sure you understand exactly what your plan does when your child breaks an arm, when a diagnosis comes back, when you need a specialist three states away. I break down the deductibles, the networks and the fine print until it makes sense — then I let you decide.
Every family I work with gets the same three things: expertise, integrity and a genuine passion to serve. That's not a tagline. It's why my clients send me their friends, their parents and their coworkers.
Years spent inside the details of private and Marketplace coverage means I can spot the gap in a policy long before it becomes your problem.
If a subsidized Marketplace plan is better for your household than a private plan, I'll tell you — even when it isn't the easy answer.
My clients have my direct number. I answer questions after enrollment, at claim time, and every renewal after that.
Licensed advisor with USHEALTH Advisors, representing USHEALTH Group companies including Freedom Life Insurance Company of America and National Foundation Life Insurance Company.
Health and life insurance licensed in FL, TX, AL, SC, VA, MD, OH, IN, GA, TN — serving individuals, families and small business owners, with Marketplace (ACA) certification for subsidized plan enrollment.
One conversation is usually all it takes to know whether your current coverage is doing its job. It's free, and there's no obligation.
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Instant answers · human follow-up from Luis