VS Health Benefits helps individuals and families, small business owners, independent contractors, and families find affordable health insurance across the country. We compare every carrier and program at no cost to you.
Start with your total yearly exposure, not the monthly premium. Add the premium you would pay for twelve months to the plan's deductible, then check the out-of-pocket maximum, which is the worst case in a bad year. A cheap premium with a high deductible often costs more than a mid-tier plan if anyone in the household actually uses care. Then confirm your doctors and prescriptions are in network before you enrol, because that is the change that is hardest to undo.
From group plans for manufacturing and healthcare businesses to ACA marketplace options for self-employed workers nationwide, we find the plan that actually fits.
Affordable group plans for local trades, home services, dental practices, salons, and small offices. We handle implementation and renewals.
Small Employers
Tailored plans for very small teams that don't fit traditional group thresholds. Real options with real coverage.
2-9 Employees
Marketplace plans for individuals and families with subsidy review. We make sure you're not leaving credits on the table or paying for the wrong tier.
Individuals
Coverage that works for families with kids, partners, and parents. We compare network depth, deductibles, and out-of-pocket caps side-by-side.
Families
Standalone or bundled dental and vision options to round out your benefits package or fill personal gaps.
Ancillary
Eligibility review and enrollment help for individuals and families. If Medicaid is your best path, we'll tell you straight — and walk you through it.
Public ProgramsNov 1, 2026 is your next chance to lock in individual or family ACA coverage. Get your documents ready.
Some states have not expanded Medicaid, which means many lower-income working adults have limited options outside the ACA marketplace. Getting the subsidy calculation right and choosing a plan with strong local networks makes a significant difference in real coverage quality.
15-min call to understand your team, family, budget, and any current pain points.
We pull side-by-side quotes from the carriers that actually fit, not whoever pays the highest commission.
We handle paperwork, ID cards, and onboarding so you don't lose a day to it.
Year-round claim help, renewals, and adds/drops — all included, no surprise fees.
Already a VS Health Benefits client? Create a free member account to message your advisor, refer friends and family for a thank-you payout, and view your profile.
VS Health Benefits clients can earn a referral payout for every person they refer who enrolls. It's our way of saying thank you for spreading the word.
You must be an active VS Health Benefits client with a free member portal account to participate. Sign up or log in to get started.
Step oneOnce logged in, head to your refer tab and insert your friends, family, or colleagues information who may need coverage.
Step twoWhen your referred contact enrolls in a plan through VS Health Benefits, you receive a thank-you payout. No limits on how many people you can refer.
Step threeReferral payouts are available exclusively to active VS Health Benefits clients with a registered member portal account. You must be enrolled in a plan through us before referring others. Not a client yet? Get a quote first then refer away.
Real reviews from Google — from real clients we've helped.
We are a licensed, independent brokerage headquartered in Miami, Florida, helping individuals, families, and small businesses find health insurance across 40+ states. ACA marketplace plans are sold state by state, so what changes most from one state to the next is which carriers and networks are available and whether the state expanded Medicaid. We check all of that for your ZIP code, free.
Do not see your state? We very likely cover it too. Get a free quote and we will confirm your options in minutes.
Yes. VS Health Benefits holds active insurance licenses in 40+ states and helps individuals, families, and small businesses across the country.
No. As an independent advisor, I'm compensated by the carriers when you enroll. My consultation, plan comparisons, paperwork, and ongoing support are free to you.
Going direct only shows you that one carrier's plans. I show you the full market across major carriers and pick what actually fits your family or business — not what one company has to sell.
Open Enrollment runs November 1 through January 15. In states that have not expanded Medicaid, marketplace plans are the primary option for most working adults. Group plans can start any time of year.
We will review what you have at no cost and only recommend a change if it would actually improve your coverage or cost. Often the answer is you're in the right place, and here's why.
Yes. We set up group health plans for employers with 2 to 25 employees across manufacturing, healthcare, construction, retail, and the trades.