Health / ACA
Affordable Care Act marketplace plans for individuals, families, and the self-employed — including $0 premium options.
Learn MoreYour coverage, Your future — Protected.
We help individuals, seniors, and the self-employed find the right health, life, and wealth coverage — with expert guidance that costs you nothing.
500+Clients Protected
$0Plans Available
15+Years Experience
100%Independent
$0
Cost for Our Guidance
30+
Insurance Carriers
48hr
Average Enrollment Time
365
Days of Year-Round Support
Our Services
Coverage for Every Stage of Life
Whether you're self-employed, approaching Medicare age, or planning your legacy — we have a solution designed for you.
Medicare
Expert guidance on Medicare Parts A, B, C & D — helping seniors and the disabled maximize their benefits.
Learn MoreLife Insurance
Term, whole, and universal life policies that protect your family and provide peace of mind for the unexpected.
Learn MoreWealth Management
Retirement planning, annuities, and financial strategies to grow and protect your wealth for the long term.
Learn More
Who We Serve
Insurance for People Who Need It Most
We specialize in serving communities that are often underserved by traditional insurance agencies.
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Self-Employed & Freelancers — flexible ACA and health plans without employer coverage
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Seniors (65+) — Medicare Advantage, Supplement, and Part D prescription plans
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Individuals with Disabilities — Medicare and special needs plan guidance
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Individuals & Families — marketplace health plans, life insurance, and wealth planning
No-Cost Advisory Service
Our advisors are compensated by insurance carriers — meaning expert guidance costs you nothing out of pocket.
Independent & Unbiased
We're not tied to one carrier. We compare dozens of plans to find what truly fits your needs and budget.
Year-Round Support
We're here after enrollment too — for claims questions, plan changes, and annual reviews.
How It Works
Simple Steps to Better Coverage
Free Consultation
Tell us about your situation, budget, and coverage needs — no pressure, no commitment.
Plan Comparison
We search dozens of carriers to find the best plans that match your specific needs.
Expert Recommendation
We walk you through your top options in plain language — no confusing jargon.
Enroll & Relax
We handle the paperwork and stay with you long after enrollment for ongoing support.
Our Carriers
Trusted Insurance Carriers
We partner with Florida's top-rated insurance carriers — so we can always find you the best coverage at the best price.
Client Stories
What Our Clients Say
"As a freelancer I had no idea how to get health insurance. Quantum found me a $0 premium ACA plan in under an hour. Game changer."
"They explained Medicare in a way that finally made sense. I enrolled in the right plan and saved over $200/month compared to my old coverage."
"The team helped me set up a whole life policy and start a retirement annuity. I feel genuinely taken care of — not just sold to."
Ready to Find the Right Coverage?
Speak with a licensed advisor today — completely free, no obligation. We'll help you find the plan that fits your life.
Schedule My Free Consultation
About Us
Who We Are
A team of licensed, independent insurance advisors committed to making coverage simple, affordable, and accessible for every Floridian.
Licensed & Independent
Florida Certified Advisors
Our Mission
Insurance That Works for You
At Quantum Insurance Advisors, we believe everyone deserves access to quality insurance guidance — regardless of their background, income, or how complex their situation may seem.
We founded this agency to serve the people who fall through the cracks: the self-employed individual without workplace benefits, the senior confused by Medicare's complexity, the family trying to make their budget work.
As independent advisors, we are never tied to a single carrier. Our only obligation is to you — finding the right coverage at the right price, with guidance you can trust.
Why Choose Us
What Sets Quantum Apart
We're not a call center or an online form. We're real advisors who take the time to understand your life and find coverage that truly fits.
01
Truly Independent Advisors
Unlike captive agents who work for a single company, we are 100% independent. We partner with dozens of top-rated carriers — so our only goal is matching you with the plan that fits your needs and budget, not our quota.
- Access to 30+ insurance carriers
- Unbiased plan comparisons
- No sales pressure — ever
02
Licensed & Certified
All Quantum advisors are fully licensed in the state of Florida and hold active certifications in health, life, and Medicare. We complete ongoing education every year to stay current with plan changes, regulations, and new options.
- Florida-licensed health & life advisors
- AHIP Medicare certified annually
- Bilingual service — English & Spanish
03
No-Cost Guidance
Our advisory service is completely free to you. We are compensated directly by insurance carriers when you enroll — meaning you get expert, personalized guidance with zero out-of-pocket cost. No hidden fees, ever.
- $0 advisory fee — always free
- No obligation to enroll
- Year-round support after enrollment
Our Values
What Drives Us
These aren't slogans — they're the principles we follow every single day when working with our clients.
01
Integrity First
Our north starWe recommend what's right for you — not what pays us the highest commission. Every plan we suggest is chosen because it genuinely fits your needs, your doctors, and your budget. Trust is not something we ask for; it's something we earn.
Honest recommendations
No commission-driven advice
Your needs first, always
02
Clarity & Simplicity
Plain language, alwaysInsurance has a reputation for confusing jargon — deductibles, formularies, cost-sharing, co-insurance. We cut through all of it. Our advisors explain every option in plain, everyday language so you can make confident, informed decisions without feeling overwhelmed.
No confusing jargon
Step-by-step explanations
Confident decision-making
03
Community Focus
Rooted in FloridaWe are deeply committed to the communities we serve — especially those who are often overlooked by large insurance companies. We offer bilingual advisory services in English and Spanish, and we take pride in making quality guidance accessible to seniors, individuals with disabilities, and hardworking self-employed Floridians.
English & Spanish support
Serving underserved communities
Accessible, human guidance
Meet the Team
Your Advisors
Joseph Quezada
Founder & Senior Advisor
Licensed health & life insurance advisor with 18 years of experience helping individuals, seniors, and families navigate ACA, Medicare, life insurance, and wealth management options — with honest guidance every step of the way.
Priscilla Curtis
Benefits Advisor
A dedicated Benefits Advisor specializing in ACA marketplace plans, Medicare, and employer group benefits — guiding individuals and families to coverage that truly fits their needs and budget.
Manny Quezada
Benefits Advisor
Specializes in life insurance, ACA enrollment, and wealth protection strategies, helping families and self-employed individuals build a solid financial foundation with the right coverage in place.
Have Questions? We're Here to Help.
Reach out to our team — free, no-pressure consultations available by phone or in person.
Contact Us Today
Health Insurance
ACA / Marketplace Plans Explained
The Affordable Care Act opened access to quality health insurance for millions of Americans. Let us help you understand your options and find the right plan.
What Is the ACA?
The Affordable Care Act Basics
The Affordable Care Act (ACA), also known as Obamacare, created the Health Insurance Marketplace — a place where individuals, families, and small businesses can shop for and enroll in affordable health insurance.
ACA plans must cover essential health benefits including doctor visits, emergency care, mental health services, and prescription drugs. Insurers cannot deny you coverage for pre-existing conditions.
Many people qualify for subsidies that dramatically reduce — or even eliminate — their monthly premiums.
Did You Know?
Based on your income, you may qualify for a $0 premium ACA plan. Many of our clients pay nothing or very little each month for comprehensive health coverage. Contact us to find out what you qualify for.
Who Qualifies for ACA Coverage?
- Self-employed individuals and freelancers without employer benefits
- Employees whose employer doesn't offer affordable coverage
- Part-time workers and gig economy workers
- Families who need individual or family health coverage
- Individuals between jobs or recently losing employer coverage
- Students and young adults not covered under a parent's plan
Free enrollment assistance — no cost to you
Plan Types
Understanding ACA Metal Tiers
ACA plans are organized into four "metal" tiers. Each balances your monthly premium against your out-of-pocket costs differently.
Platinum
Highest monthly premium. Lowest out-of-pocket costs. Best if you need frequent medical care and can afford higher premiums.
~90% plan / 10% you
Gold
Higher monthly premium. Lower out-of-pocket costs. Best if you use medical care regularly and want predictable costs.
~80% plan / 20% you
Silver
Moderate premium. Moderate out-of-pocket costs. Required for cost-sharing reductions if you qualify for extra savings.
~70% plan / 30% you
Bronze
Lowest monthly premium. Highest out-of-pocket costs. Best if you're generally healthy and want coverage for major emergencies.
~60% plan / 40% you
Common Questions
ACA FAQs
Open Enrollment typically runs November 1 – January 15 each year. Outside of that, you may qualify for a Special Enrollment Period (SEP) if you experience a qualifying life event such as losing job-based coverage, getting married, having a baby, or moving to a new state. Contact us to see if you qualify for a SEP.
Premium tax credits (subsidies) are financial assistance that reduces your monthly premium. Eligibility is based on your household income and size. In recent years, expanded subsidies have been available under the American Rescue Plan, making coverage more affordable than ever. Many individuals earning up to 400% of the Federal Poverty Level — and even beyond — qualify for some level of subsidy.
All ACA marketplace plans must cover 10 essential health benefits: ambulatory (outpatient) care, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, prescription drugs, rehabilitative services, laboratory services, preventive and wellness services, and pediatric services including dental and vision for children.
No. Under the ACA, insurance companies cannot deny you coverage or charge you more because of a pre-existing health condition. This protection applies to all marketplace plans and most other insurance plans regulated under the ACA.
We are certified enrollment assisters who can help you compare plans, calculate your estimated subsidies, and complete your application — all at no cost to you. We help you avoid common mistakes that can cost you thousands and ensure you pick the plan that best fits your doctors, medications, and budget.
Medicare
Medicare Insurance in Florida — Explained
Medicare can be confusing — multiple parts, enrollment windows, and plan types. We cut through the complexity and help you find the coverage that works best for your health and budget.
The Basics
Understanding the Parts of Medicare
Medicare is divided into parts that cover different types of healthcare. Understanding each part is the first step to choosing the right coverage.
A
Part A — Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. Most people don't pay a premium for Part A if they or their spouse worked and paid Medicare taxes for at least 10 years.
B
Part B — Medical Insurance
Covers outpatient medical services: doctor visits, preventive care, outpatient procedures, lab tests, and durable medical equipment. Part B requires a monthly premium (standard is ~$174.70/month in 2024).
C
Part C — Medicare Advantage
A private insurance alternative to Original Medicare (Parts A & B). These plans often include dental, vision, hearing, and prescription drug coverage — sometimes at a $0 premium. Offered by approved private insurers.
D
Part D — Prescription Drug Coverage
Adds prescription drug coverage to Original Medicare (Parts A & B) or some Medicare Cost Plans. Offered through private insurers. Premiums and formularies vary by plan — we help you compare based on your specific medications.
Medicare Supplement Plans
Original Medicare doesn't cover everything. Medicare Supplement (Medigap) plans help cover the "gaps" — your deductibles, copayments, and coinsurance that you'd otherwise pay out of pocket.
There are standardized Medigap plan letters (Plan G, Plan N, etc.) that offer the same basic benefits regardless of which insurer you choose — the difference is in premium pricing. We compare dozens of carriers to find you the best rate.
When Can I Enroll in Medicare?
- Initial Enrollment Period (IEP): 7-month window around your 65th birthday
- General Enrollment Period: January 1 – March 31 each year (late enrollment)
- Special Enrollment Period: If you're still covered by employer insurance past 65
- Annual Election Period (AEP): Oct 15 – Dec 7 — change Advantage or Part D plans
- Under 65 with Disability: You may qualify for Medicare before age 65
Missing Your Enrollment Window Can Be Costly
Late enrollment in Part B and Part D can result in permanent premium penalties. Contact us early so we can help you enroll on time and avoid unnecessary costs.
Life Insurance
Life Insurance in Florida
Protect the people who depend on you. Life insurance provides financial security for your family when they need it most — we'll help you find the right type and amount.
Policy Types
Types of Life Insurance
There's no one-size-fits-all life insurance policy. The right choice depends on your age, health, financial goals, and the needs of your family.
Term Life Insurance
Coverage for a specific period (10, 20, or 30 years). Typically the most affordable option. Ideal for replacing income, covering a mortgage, or providing for young children.
- Lowest premiums
- Simple & straightforward
- Coverage when you need it most
Whole Life Insurance
Permanent coverage that lasts your entire lifetime. Builds cash value over time that you can borrow against. Premiums remain fixed and the death benefit is guaranteed.
- Lifelong coverage
- Builds cash value
- Guaranteed death benefit
Universal Life Insurance
Flexible permanent life insurance. Adjust your premiums and death benefit as your life changes. Accumulates cash value with interest tied to market or index performance.
- Flexible premiums
- Investment growth potential
- Adjustable coverage
Life Insurance Is an Act of Love
No one wants to think about worst-case scenarios — but the right life insurance policy ensures that the people who depend on you will be financially protected no matter what.
From replacing lost income and paying off debts to covering final expenses and funding your children's education — life insurance is the foundation of a solid financial plan.
Get a Free Life Insurance QuoteIncome Replacement
Typically you should have 10–12x your annual income in coverage to replace lost earnings for your family.
Debt & Mortgage Protection
Ensure your family isn't burdened with mortgage payments or debts if you're no longer here to provide.
Final Expense Coverage
Even a small whole life policy can cover funeral costs (avg. $9,000–$12,000) and relieve family stress.
Find the Right Policy for Your Family
Our advisors compare dozens of carriers to find life insurance that fits your age, health, and budget.
Start My Free Consultation
Wealth Management
Wealth Management & Retirement Planning in Florida
Build, protect, and grow your financial future with strategies tailored to your goals — from retirement planning and annuities to income protection.
Our Approach
A Smarter Path to Financial Security
Wealth management isn't just for the wealthy. Everyone deserves a plan that grows and protects what they've earned.
Retirement Planning
Develop a personalized retirement income strategy using a mix of insurance products, annuities, and savings vehicles to ensure you never outlive your money.
Annuities
Fixed and indexed annuities provide guaranteed income streams for retirement — protecting you from market volatility while growing your savings tax-deferred.
Income Protection
Disability income insurance and other products that protect your greatest asset — your ability to earn a living — if illness or injury prevents you from working.
Estate Planning Support
Life insurance and annuities can be powerful estate planning tools — helping transfer wealth to the next generation efficiently and with minimal tax impact.
Business Owner Solutions
Key person insurance, buy-sell agreements, and executive benefit plans to protect your business and reward valuable employees.
Asset Protection
Strategies to shield your savings from market downturns, excessive taxation, and long-term care costs that could erode your retirement nest egg.
Why Start Planning Now?
The earlier you start, the more powerful compound growth becomes. Even modest, consistent contributions to an annuity or permanent life policy can grow into significant retirement income over time. Our advisors will help you understand exactly what's possible given your current situation — with no pressure and no obligation.
Contact Us
Let's Talk
Ready to get started? Have a question? Our licensed advisors are here to help — free, no-pressure, no obligation.
Get in Touch
We're available by phone, email, or in person. We offer consultations in English and Spanish.
Phone
(321) 333-4837Office
Kissimmee, FL
Kissimmee, FL 34744
Hours
Mon – Fri: 9:00 AM – 6:00 PM
Sat: 10:00 AM – 2:00 PM
Se habla Español
We offer bilingual advisory services in English and Spanish to better serve our community.
Request a Free Consultation
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