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 enroll, 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
Medically underwritten plans outside the Marketplace, for healthy applicants above the subsidy cutoff. Open year-round.
Private health insurance →
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.
AncillaryNov 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.
Earn a flat thank-you reward for every qualified referral, whether or not they buy. It's our way of saying thank you for spreading the word.
Send your referral's name, phone number and state to info@vshealthbenefits.com, plus your own name and phone so we know who to thank.
Step oneA licensed advisor contacts the person you referred about coverage, with no pressure and no cost to them.
Step twoWhen your referred contact completes a free consultation with a licensed advisor, you receive a flat thank-you reward, whether or not they buy. No limits on how many people you can refer.
Step threeReferral rewards are flat, are paid per qualified referral and never depend on whether anyone buys insurance, as Florida law requires. Want help with your own coverage too? 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.