people in the United States don't have health insurance.
Jeny Menacho · Health & Life Insurance Advisor
Your health and life insurance, explained calmly.
Medicare, the Marketplace (ACA), or coverage outside the Marketplace: talk to Alex, our virtual assistant, or request your free consultation. No cost, no obligation.
Jeny Menacho is an independent insurance advisor with more than 16 years helping families across the United States choose Medicare, the Marketplace (ACA), or coverage outside the Marketplace.
Alex · Virtual assistant
Get your questions answered instantly
Medicare · Marketplace (ACA) · Outside the Marketplace
Tap here to talk with Alex
No obligation · 100 % free · We help you in English and Spanish
- 16+ years of experience advising on health and life insurance
- $0 it costs you to talk with me, today and always
We compare plans from the leading insurers operating in the Marketplace.
The real problem
One unexpected medical event can cost more than a full year of insurance.
Premiums go up every year. The paperwork is confusing. Official sites ask for information nobody understands. And every time you call, someone different answers.
That's why I'm here. I compare, explain, calculate your savings, enroll you, and answer when something goes wrong. You just decide.
See your options2 minutes · No credit card or Social Security number required
Why have your own broker
You'll never deal with the insurance company alone again. You have me on your side.
An independent broker doesn't work for one company: they work for you. Here's what changes in your life once you stop searching alone.
My advice is free
The insurance company pays me when you enroll. The plan costs exactly the same whether you sign up with me or on your own. Having an expert on your side costs you nothing.
Cost to you: $0We compare several insurers at once to get you the best fit
An agent who works for a single company can only show you their plans. I compare several insurers at once: deductible, doctors, and copay. That way you choose with real information, not guesswork.
Side-by-side comparisonEverything in English and Spanish
The consultation, the forms, the calls, even that letter you don't understand. Everything in your language, no translator needed. You never sign something you didn't understand.
English · EspañolWe track down every cent of help available to you
A misreported income can cost you. We calculate exactly what help you qualify for, check whether you're eligible for additional discounts, and adjust everything if your income changes.
Subsidies · CSROne number, one call
A denied claim? A problem with the insurance company? You don't call a call center, you message me. One number, one call solves whatever comes up.
12 months of supportWe verify your doctor is covered
A cheap plan without your doctor isn't cheap — it's a future problem. Before you sign, we check that your doctor, pharmacy, and hospital are all in your plan's network.
Doctor network · Pharmacies · Hospitals
See your free options
No obligation · Same-day response · We never sell your data
How it works
Four steps, and you're never alone in any of them.
From your first message to holding your insurance card usually takes two or three days. Here's exactly what happens.
-
First conversation, no obligation
You tell me about your family and what you need. 20 minutes by phone, WhatsApp, or in person. No sales pitch.
≈ 20 minutes -
We compare plans based on what you need
I bring you two or three real options, with the numbers that matter. What you pay monthly, what you pay at the doctor, and what happens if you're hospitalized. With your subsidy already applied.
24-48 hours -
I handle your enrollment
I fill out the Marketplace application, upload your documents, and confirm the policy is active. You sign and receive your card. Zero forms for you to fill out alone.
Same day -
I'm with you every step of the way
A new baby, a new job, a change in your family, renewal time in December. You message me and we handle it. I'll keep being your advisor every step of the way.
12 months
The support continues after you sign — it doesn't end there.
Jeny Menacho · Health & Life Insurance Advisor, 16+ years of experienceAI Alex, your virtual assistant
Medicare, the Marketplace (ACA), or outside the Marketplace. Get your answers by talking, not filling out forms.
Each program has its own rules, and every situation is different. Tap Alex, in the bottom-right corner, and ask whatever you want, like calling on the phone, in English or Spanish. It explains your options in general and connects you with Jeny on WhatsApp to review your actual case.
Current for the 2026 enrollment season.
Medicare
Federal programFor people 65 and older, we do a careful review of your health and benefits to find the plan that suits you best, with all the attention you deserve.
65+ · Parts A, B, C and DMarketplace (ACA)
Federal programAlso known as Obamacare, these are private plans that adapt to your income and situation. We review them with the same care and attention to always show you the best option.
Open enrollment: Nov 1 – Jan 15Coverage outside the Marketplace
Already have Medicare, changed jobs, or looking for life insurance? We guide you through that too, with quality plans that fit your needs.
Other coverage · Life insurancePrefer to talk instead of read? Tap Alex, in the bottom-right corner. If you already know what you need, message Jeny directly.
Message Jeny on WhatsAppWhat families say
People who stopped fearing the hospital bill.
Example testimonials. These are demo texts to showcase the design, not reviews from real clients. They'll be replaced with verified reviews before the site goes public.
★★★★★
"We went two years without insurance because we were scared of the price. In one call she showed us three plans and we ended up paying less than we spent on medicine. What I value most: she explained the deductible until I actually understood it."
★★★★★
"I'm self-employed and my income changes every month. She helped me report it correctly so I wouldn't owe money at tax time. Nobody had ever explained that to me before."
★★★★★
"We got a $3,200 hospital bill the insurance company wouldn't cover. I sent her a photo on a Sunday and it was resolved by Tuesday. I didn't pay anything for that. That's what having someone on your side means."
★★★★★
"I helped my dad pick his Medicare plan without him ever having to go to an office. All by phone, with a lot of patience. He understood every part, A, B, C, and D, before deciding."
★★★★★
"I compared plans on my own on the official site and got lost. With her it took 25 minutes and I understood clearly why the cheapest plan wasn't actually right for me."
★★★★★
"I changed jobs in May and thought I'd lost coverage until January. She got me a special enrollment in three days."
Frequently asked questions
The questions that actually hold people back.
If your question isn't here, message me or ask Alex, in the corner. I'll answer either way, even if you end up not signing up for anything.
Ask my questionDoes using a broker really cost me nothing?
Really. The agent's commission is already built into the plan's price and is paid by the insurance company, not you. The exact same plan costs exactly the same whether you sign up online by yourself or with me. The difference is that in one case you're on your own, and in the other you're not.
I don't charge for the consultation, for comparing plans, or for helping you all year. If you decide not to sign up for anything, you owe me nothing.
What exactly is the Marketplace / "Obamacare"?
It's the health insurance marketplace created by the ACA (Affordable Care Act), which people call "Obamacare." Several private insurers offer plans there under a common set of rules. They can't deny you or charge you more for a pre-existing condition. Every plan covers a set of essential benefits (doctor visits, emergencies, medication, maternity, mental health), and depending on your income, you receive financial help to pay part of your premium.
Plans are grouped into tiers: Bronze, Silver, Gold, Platinum. These aren't about medical quality — they're about how the cost is split between what you pay monthly and what you pay when you use the plan.
| Tier | You pay monthly | You pay when you use the plan |
|---|---|---|
| Bronze | Less | More |
| Silver | Medium | Medium |
| Gold | More | Less |
| Platinum | Highest | Lowest |
Can I switch plans if I already have one?
Yes. Every year there's an open enrollment period, usually from November 1 to January 15. During that window, anyone can switch plans or insurers, no explanation needed.
Outside those dates you need a qualifying life event, for example:
- Losing coverage from your job
- Moving, getting married, or getting divorced
- Having a baby
- Turning 26 and aging off your parents' plan
- A significant change in income
You usually get about 60 days to act. If you think you're in one of these cases, ask me before the window closes.
Is there fine print? What might they try to sneak in?
The three most common traps, and how we avoid them:
- Plans that aren't real insurance. So-called "fixed indemnity" or "short-term" plans are advertised as super cheap, but they don't cover pre-existing conditions and have no spending cap. I tell you clearly when what you're being offered isn't an ACA plan.
- Narrow doctor networks. A cheap plan might not include your doctor or hospital. We check that before you sign, not after.
- Misreported income. If you report less income than you actually have, you'll owe back the extra subsidy at tax time. We'd rather get it right from the start.
Do you help in English?
The entire process happens in English: the consultation, the comparison, the enrollment, and the calls throughout the year. If you prefer Spanish, that works too. And if you need us to loop in a family member to explain things to them, we're glad to.
Can I get help if I don't live in Florida?
Yes. You can message or call no matter what state you live in. I'm licensed in Florida and in the process of expanding to other states; on the free consultation I'll tell you clearly what I can handle directly for your case.
And if needed, I'll point you toward the right resource for your state. Either way, you'll leave the call knowing exactly what options you really have.
What do I need to have ready to enroll?
Not much: birth dates for everyone getting covered, and your estimated income for the year. Also the immigration status of each person (there are more options than most people think). And, if you have it, information from a previous insurance plan. I'll tell you exactly what's missing before we start, so you don't waste an afternoon.
Let's get started
Message me today and by this week you'll know exactly what options you have.
I'll call whenever works best for you: tell me the time you prefer and we'll look at what's best for you and your family together, by phone or WhatsApp, within 24 business hours. No obligation and no cost to you.
Jeny Menacho
Independent Health & Life Insurance Advisor
More than 16 years helping families across the United States understand, compare, and choose their coverage, without the hassle, in English and Spanish.
- (305) 215-7695 · WhatsApp
- services@jm-insurance.net
- Based in Miami, Florida · Appointments by phone, WhatsApp, or video
Request your free consultation
Fill this out and I'll reach out to you. Three fields, that's it.