Should I use a health insurance advisor or go directly to an insurer?

Using an independent advisor is almost always better. Going directly to one insurer means you only see that company's plans. An independent advisor compares multiple carriers and can find the plan that actually fits your situation — often at the same or lower cost since advisors don't add fees.

How is a health insurance advisor paid?

Licensed health insurance advisors are paid a commission by the insurance carrier when you enroll in a plan. This means the consultation and advice are free to you — you pay the same premium whether you go through an advisor or enroll directly.

Health Insurance Advisor — Brando Santana

Q: What does a health insurance advisor do?

A licensed health insurance advisor helps individuals compare and enroll in health insurance plans. Unlike a call center rep, an independent advisor works with multiple carriers and can show you options across the market — not just push one company's products. They're compensated by the carrier, so the consultation is free to you.

Brando Santana

Independent advisor specializing in PPO health plans for self-employed individuals, independent contractors, and small business owners. Licensed in 32 states.

Licensed in 32 States PPO Specialist Independent (Multi-Carrier) Free Consultations

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What I Do

I help self-employed people, 1099 contractors, and small business owners find health insurance that actually works — not just the cheapest plan on a comparison site, but the right plan for how you live and work.

Most of my clients are people who work for themselves and have never had a clear answer on what their options are. They've been told to "just go to healthcare.gov" or gotten quotes from a 1-800 number that sold them something that didn't fit. I work differently: one call, real options, plain language.

Who I Specialize In

🚛

Owner-Operator Truckers

1099 truckers and owner-ops who need nationwide PPO coverage that works across every state they drive through.

🔧

Contractors & Tradespeople

Self-employed electricians, plumbers, roofers, and general contractors who need portable coverage without employer groups.

💼

Freelancers & Consultants

Independent professionals who need individual PPO coverage — not marketplace plans with narrow networks.

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Real Estate & Small Business

Agents, brokers, and small business owners who don't have access to group plans and need flexible individual coverage.

Independent means I work for you. I'm not employed by any single insurance company. I shop multiple carriers and show you what's available in your market — not just one company's options. You pay the same premium either way. My compensation comes from the carrier after you enroll.

How the Consultation Works

Schedule a free 10-15 minute call — no forms, no obligation
Tell me your age, state, any medications or health conditions, and your budget
I pull live quotes from multiple carriers during the call
We review the options — I explain the differences in plain terms
You choose a plan or take time to think — zero pressure either way
If you enroll, I handle the paperwork from there

States I'm Licensed In

Contact

Phone: (305) 842-7720
Email: ppopapi@ppocare.org
Schedule: calendly.com/ppopapi

Frequently Asked Questions

What does a health insurance advisor do?

A licensed health insurance advisor compares plans across multiple carriers and helps you find coverage that fits your situation. Unlike going directly to one insurer, an independent advisor shows you the full market. The consultation is free — advisors are paid by the carrier when you enroll.

Is there any cost to working with you?

No. My consultations are completely free. I'm compensated by the insurance carrier when a client enrolls — not by you. You pay the same premium whether you enroll through me or go directly to the carrier. Working with an independent advisor costs you nothing extra and gets you more options.

Why use an independent advisor instead of going directly to an insurance company?

If you go directly to one insurance company, you only see their plans. I shop multiple carriers and can compare options across the market to find what actually fits your budget and health situation. The consultation takes the same amount of time — you just get more options and an unbiased recommendation.

Do you work with people who have pre-existing conditions?

Yes. ACA marketplace plans cover all pre-existing conditions. For private plans, it depends on the condition and carrier. I'll walk through your options honestly — including the cases where a marketplace plan might be the better fit — so you can make an informed decision.

What if I'm in a state you're not licensed in?

Book a call anyway. If I can't directly help, I'll point you to a trusted advisor in your state. I won't leave you without a path forward.

Brando Santana

What I Do

Who I Specialize In

How the Consultation Works

States I'm Licensed In

Contact

Frequently Asked Questions

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