Health insurance,explained by areal person.
Florida-born, licensed advisor helping the self-employed, business owners and families find private PPO-style and ACA coverage that fits their life and budget, with no jargon and no pressure.
- Licensed in all 50 states + DC
- Free, no-obligation advice
- Same-day callbacks
- A dedicated advisor for life
- Se habla español
Select your state to explore plans
Get your free quote- Private PPO-style & ACA plans compared
- Licensed in all 50 states
- A dedicated advisor for life
- Free, no-obligation advice
- Se habla español
- Individual & family health
- Dental & vision
- Life insurance
- Accident & critical illness
- Small business plans
The difference a dedicated advisor makes.
A real, licensed advisor
You talk to me, not a call center. I walk you through every option and answer every question.
Honest comparisons
Private and ACA options side by side, including what each plan doesn't cover. No surprises later.
Here for life
I don't disappear after enrollment. Claims help, questions and annual reviews: I'm a text away.
How I can protect you
Specialized coverage for your kind of work.
Born here. Working here. Covering Florida families.
I'm a Florida native, based in Orlando and working with clients across Central and South Florida, in English or Spanish.
Also serving: Tampa · Jacksonville · Fort Lauderdale · West Palm Beach · All of Florida
How I work
Most clients are covered within days, all by phone, text or video. No office visit needed.
- 1
Connect with me
A quick 15-minute call about your needs, budget, doctors and prescriptions.
- 2
Compare with me
I compare private and ACA options and break down costs and benefits in plain English.
- 3
Choose with confidence
You pick the plan that fits your health and your budget, on your timeline.
- 4
Enroll without the hassle
I handle the paperwork, so enrollment is fast, simple and done right.
- 5
Support for life
Claims help, policy questions and an annual review. I'm a call or text away.
Straight-talk guides
Private Health Insurance vs. ACA Marketplace Plans: An Honest Comparison
How private health insurance and ACA Marketplace plans differ on cost, networks, pre-existing conditions, and subsidies, and how to decide which fits you.
Read the guide Guide · 8 min readHow to Get Health Insurance When You're Self-Employed
A step-by-step guide to health insurance for freelancers, 1099 contractors, and business owners: your options, how subsidies work with variable income, and common mistakes.
Read the guide Guide · 6 min readMissed Open Enrollment? How Special Enrollment Periods Work
What counts as a qualifying life event, how long you have to enroll, what proof you may need, and what to do if you don't qualify for a Special Enrollment Period.
Read the guideMeet the team
Hi, I'm Luis.
Florida native and founder of Ruiz Advisory. For 5+ years I've helped 500+ individuals and 100+ families find coverage they can count on: the self-employed, business owners, truck drivers, travel nurses and growing families. I explain every option in plain English (or Spanish), tell you the trade-offs honestly, and stay with you after you enroll.
- Licensed in all 50 states + DC
- Florida native · based in Orlando
- Help in English & Spanish
- NPN 22256582
Frequently asked questions
What types of coverage do you help with?
How much does it cost to work with you?
Which states do you serve?
Do you speak Spanish?
Can you help me find ACA Marketplace coverage?
Are all the plans full ACA major medical?
How quickly can I get covered?
Get in touch.
Send a few details and I'll come back with real options, usually the same day. Prefer to talk? Book a time or call me directly.
- (786) 510-1626 (call or text)
- ruizadvisory4@gmail.com
- Mon–Fri 8am–7pm · Sat 9am–2pm (ET)
- Orlando, FL · licensed in all 50 states
Ready to find your plan?
A free 15-minute review. No pressure, no obligation. You leave knowing your options either way.