ACA Marketplace
Help comparing Marketplace medical plans, reviewing eligibility considerations and understanding premiums, deductibles, networks and prescriptions.
Discuss your options →Health · Dental · Life · General insurance guidance
Insurance should bring clarity, not confusion.
Fernando Urdaneta helps individuals, families and business owners understand their options and choose coverage with confidence—in English or Spanish.
Direct line 305-989-2850
✓Bilingual service
✓Multiple carrier options
✓Personal guidance
Coverage sources include
ACA Marketplace
Allstate Health Solutions
American National
American General
Transamerica
National Life Group
Coverage for real life
Thoughtful guidance across your insurance needs.
Start with what matters to you—your family, doctors, medications, budget, business or long-term goals. Fernando helps organize the details and explain the trade-offs.
Private health options
Private and supplemental health solutions, including options from Allstate Health Solutions, based on availability and individual needs.
Discuss your options →Dental insurance
Dental plan options for children and adults, with help comparing preventive care, basic services, major procedures, networks and plan limits.
Discuss your options →Life insurance
Term, permanent and other life insurance strategies from multiple companies, explained around your protection goals and financial priorities.
Discuss your options →General lines consulting
Personal consultation for clients exploring other insurance categories, with guidance toward suitable coverage sources and companies.
Discuss your options →
Simple and personal
A clear process, without the sales pressure.
Insurance decisions are easier when someone first listens, then explains. Fernando keeps the conversation practical and focused on your priorities.
1
Start with a conversation
Share your needs, current coverage, preferred doctors, budget and concerns.
2
Compare practical options
Review available plans and companies, including the important differences—not merely the brochure headlines.
3
Choose with confidence
Receive help understanding the application process and what to expect from the coverage selected.
Why work with Fernando
Professional guidance that still feels personal.
Plain-language explanations
Understand the differences that can affect your costs, access and protection.
English and Spanish
Discuss complex decisions comfortably in the language you prefer.
More than one path
Explore Marketplace, private, life and other insurance avenues instead of forcing every client into the same box.
Direct access
Call Fernando directly rather than disappearing into an anonymous call-center maze.
Let’s talk
Tell Fernando what kind of coverage you are exploring.
Call directly or send a message. The form opens your email application with your information already organized.