Personal advice
I start by listening to your story — your needs, budget, and long-term goals.
Clear guidance. Personal support.
Health Insurance for Every Stage of Life
Health Insurance
What we do
Coverage explained. Options made clear.
I explain all your options clearly and help you choose coverage that fits your life.
Clear explanations
I take the time to understand exactly what matters most to you.
Ongoing support
I am here beyond enrollment — providing responsive support, guiding plan updates, and answering your questions.
Explore your health options
ACA Marketplace
ACA Marketplace Plans
Explore coverage : ACA MarketplaceSelf-Employed
Health Insurance for Self-Employed Individuals
Explore coverage : Self-EmployedGroup/Employer
Group Health Insurance for Small Businesses
Explore coverage : Group/EmployerShort-Term & Supplemental
Short-Term, Indemnity & Supplemental Health Plans
Explore coverage : Short-Term & SupplementalIf you're under 65 and need health insurance in Arizona, you’re not alone. Whether you're self-employed, between jobs, an early retiree, or simply shopping for a better option, there are plans designed to fit your needs and budget.
As your local health insurance broker, I will guide you step by step — helping you understand your options and choose a plan that keeps you covered and confident.
What We Do for you
Understanding Your Health Coverage Options
Here’s a quick look at the main ways to get health insurance if you’re under 65:
ACA Marketplace (Obamacare) Plans
Comprehensive coverage with essential health benefits, no exclusions for pre-existing conditions, and potential subsidies to lower costs.
Group/Employer Health Insurance
Coverage offered through small businesses to employees and their families. These plans provide robust benefits and can be customized to fit your team's needs and budget.
Health Insurance for Self-Employed Individuals
As a self-employed individual, you can shop for ACA plans on the Marketplace and may qualify for subsidies based on your income. Javier helps you evaluate your best options for affordable, comprehensive coverage.
Short-Term & Supplemental Health Plans
Short-term plans provide temporary coverage during gaps (like between jobs), while supplemental plans like accident, cancer, and hospital indemnity offer financial protection alongside your main insurance.
Why Choose ACA Marketplace Plans?
ACA Marketplace plans offer full coverage for:
- Doctor visits and preventive care
- Hospitalization and emergency services
- Maternity and mental health services
- Prescription medications
With subsidies available based on income, many Arizona residents pay much less than expected. Learn more about Marketplace plans here.
Health Insurance for the Self-Employed
If you’re self-employed, you still have affordable, comprehensive options. I specialize in helping Arizona entrepreneurs and freelancers find plans that work without breaking the budget.
Short-Term & Supplemental Health Plans
Looking for temporary coverage or extra protection? Short-term health plans and supplemental policies (like critical illness or hospital indemnity) can help bridge gaps.
Enrollment Help, Without the Hassle
Open enrollment for ACA Marketplace plans runs from November to mid-January, but if you've had a life change (like losing job coverage), you may qualify for special enrollment. I provide free enrollment help, making it easy to choose and enroll in the best plan for you.
Ready to Get Covered?
Don’t navigate health insurance alone. I am here to make it simple and stress-free.
A personal approach
Why work with an independent broker?
Independent and unbiased advice, with ongoing support from the same friendly local guide.
| Features & services | Our agency | Captive agent | Online & 1-800 companies |
|---|---|---|---|
| Access to multiple companies with a wide range of products. | Yes | No | Yes |
| Easy switching from company to company with no hassle | Yes | No | Yes |
| Unbiased & objective advice for your journey | Yes | No | Yes |
| Claims assistance & advocacy | Yes | Yes | No |
| Policy service from the same agent, every time you call | Yes | Yes | No |
Agency-provided comparison. Services vary by provider. Coverage changes depend on eligibility, enrollment periods, underwriting, and plan availability. View the original comparison chart.
Words from clients
Real stories. Real peace of mind.
See why Arizona trusts “Smiley” Javier. Testimonials are preserved from the supplied client content.
Client storiesRead all client stories
Your questions, answered
No question is too small.
Does it cost extra to use an insurance broker like Javier for enrollment?
No. Javier’s help is completely free to you. Plan costs are the same as if you enrolled on your own.
I’m not comfortable with technology — can Javier help me enroll?
Absolutely. Javier can complete your application in person, over the phone, or via a virtual meeting. The initial website form requests a conversation only and does not enroll you or change your coverage.
Can Javier help me choose between COBRA and ACA if I lose my job?
Yes. Javier can help compare COBRA continuation coverage to ACA options and recommend an affordable, comprehensive solution.
Can I meet online or by phone?
Absolutely! I offer virtual meetings or phone calls for your convenience.
Will my preferred doctors and prescriptions be covered?
Javier reviews your doctor and medication lists to help you compare plans. Networks and formularies vary by plan and year. Please discuss these details in your consultation, not in the website contact form.
Let’s make insurance easier
Ready to Get Personalized Insurance Help?
Contact me today to start a conversation and find the right coverage for your needs—with someone who truly cares.
Call (520) 370-8568Monday–Friday, 9 AM–6 PM
After-hours appointments by request
English & Spanish · Hablamos español
Request personal insurance guidance
Clear, personal help. Javier responds within 24 hours. Required fields are marked .