William OtanoLICENSED ADVISOR · FL #G372796 · 50 STATES
I'm William Otano — a licensed health insurance advisor specializing in medically underwritten (privately priced) health insurance, plus every public and private marketplace plan. Denied coverage, priced out, or past open enrollment? That's exactly what I fix.
The last person you'll ever have to talk to about insurance.
Priced on your health, not your zip code. Enroll any time of year — no open enrollment window.
See how it works →Guaranteed acceptance and income-based discounts. I'll tell you honestly when this is your best deal.
See how it works →Fast to activate, lower cost, limited scope. Good bridge — bad long-term plan.
See how it works →Freelancers, 1099 contractors, and small business owners buying their own health insurance.
See how it works →A few quick details — I'll pick up from here. No call center, no spam, no obligation.
Priced on your health, not your zip code. Enroll any time of year — often lower premiums and bigger networks than the marketplace.
Medically underwritten plans — often called private health insurance — price your premium around your actual health instead of a flat community rate. For healthy applicants that usually means lower monthly premiums and access to national PPO networks the marketplace doesn't offer.
A short health questionnaire — current conditions, medications, recent treatment — takes minutes, not weeks. I walk through every question with you first.
Healthy individuals who don't qualify for ACA subsidies — self-employed professionals, early retirees, anyone paying full sticker price today.
Significant pre-existing conditions can mean higher pricing or a decline — I'll tell you honestly if the ACA marketplace fits better instead.
Guaranteed acceptance, income-based discounts, and an advisor who reads the fine print — at no extra cost.
The ACA marketplace accepts everyone regardless of health history, and if your income qualifies, subsidies can cut your premium dramatically. I'll tell you honestly when it's your best deal.
We figure out what the government pays toward your premium before comparing plans — many self-employed applicants qualify for more help than they expect.
Bronze: low monthly cost, high cost at the doctor. Gold: the reverse. Silver unlocks extra cost-sharing discounts. I match the tier to how often you actually see a doctor.
Florida's window runs Nov 1 – Jan 15. Outside that, a qualifying event — job loss, move, marriage, new baby — opens special enrollment.
Bridge coverage for the weeks between jobs or enrollment windows. Cheap and fast — with limits I'll explain up front.
Short-term health insurance is temporary coverage you can turn on almost immediately — the right answer between jobs, waiting on benefits, or stuck outside open enrollment.
Catastrophic protection — a broken arm or ER visit doesn't become a five-figure bill.
Generally excludes pre-existing conditions, maternity, and routine preventive care.
I never sell short-term coverage without mapping what you'll move to next, and when.
No employer plan, no HR department. I make it a 15-minute decision instead of a 15-hour research project.
Freelancers, contractors, realtors, and small business owners pay for self-employed health insurance out of pocket — every dollar matters. Two real paths, and the right one depends on income and health.
If income falls in the subsidy range, an ACA plan can cost a fraction of sticker price.
Healthy and income too high for subsidies? An underwritten plan usually wins on price and network size.
Family and small-group options both exist — mixing them is often cheapest. I'll model the combinations.
| ACA / Marketplace plans | Privately underwritten plans |
|---|---|
| Everyone accepted, health history ignored | Enroll any day of the year |
| Income-based subsidies can slash the premium | Healthy applicants usually pay far less |
| Sign up only during open enrollment | Bigger networks, more plan flexibility |
| Networks are often narrower | Health questions required to qualify |
Focused on Tampa Bay health insurance clients, with full licensing for individual health insurance, ACA marketplace, and privately underwritten plans anywhere in the U.S.
Outside Tampa Bay? I'm licensed in all 50 states. See how I can help →
Your health history sets your price. Healthy applicants usually pay far less — acceptance isn't automatic like the marketplace.
No. Private and short-term plans enroll year-round.
No — they sell your number to call centers. One call with me replaces all of it.
Yes. Always free, zero obligation.
Fill this out and it goes straight to William — no call center, no spam. He'll review it and reach out personally.
Free consult. No pressure, no obligation, no lead-form spam.
The last person you'll ever have to talk to about insurance.