Private
Off-exchange coverage, available year-round, often with wider networks.
- PPO options that do not wait for open enrollment
- Useful when marketplace networks are too narrow for your doctors
Right Coverage.
Right Price.
Andres RobledoIndependent health-insurance broker · Licensed in 30 states
Independent, not captive Licensed in 30 states Free Consultations
Manner Health Solutions is an independent brokerage, not an insurance company — I don’t issue policies or pay claims. The carrier does.
Insurance can be confusing. With so many options, it’s hard to know what coverage is right for you. I simplify the process by evaluating your needs, concerns, and budget to find the right solution for you.
Carriers I have access to
UnitedHealthcare·MedMutual Protect·Cigna·Aetna·Allstate·Anthem·Blue Cross Blue Shield·Oscar Health·Ambetter·Christus Health·CareSource·Kaiser Permanente·AmeriHealth Caritas·
What I help with
One Broker. Every Carrier.
As an independent broker, I’m not limited to one company’s products. I compare what’s genuinely available to you, mix and match across carriers, and tell you where the trade-offs are.
Individual or Family Coverage
Coverage built around one person or a whole household — your doctors, your prescriptions, your budget. From there, two paths:
Marketplace / ACA
Public-marketplace plans, including the subsidies many people never claim.
- Premium tax-credit and cost-sharing eligibility checked properly
- Open enrollment and special enrollment period guidance
Where to Start
Am I licensed in your state?
Click on your state to see if I can help you.
What to Expect
5 Simple Steps
No commitment required. The consultation is free, and the comparison is free. The goal is to find the best plan possible.
1
We talk
A real conversation about who needs covering, which doctors you want to keep, what prescriptions you take, and what you can comfortably spend each month.
2
We search the market
I compare what is actually available to you across every carrier I can write in your state — marketplace and private — and check your doctors and drugs against the networks and formularies.
3
We analyze
A short list with the honest differences explained: what a lower premium costs you elsewhere, where a network gets narrow, what a plan will not cover.
4
You choose, I advise & handle paperwork
You choose. I do the enrollment, confirm it went through, and make sure your cards and effective dates are right.
5
We stay in communication
Claims, ID cards, a new prescription, a job change, renewal season — you call me, not a 1-800 number.
What you can expect
No reviews up yet. Here’s what I will actually do.
I don’t have a long list of reviews up yet — I’m early in building this site and this business page. Here’s what you can expect working with me, and real client feedback will be added here over time.
You’ll actually understand your coverage.
Plain language, no jargon, no rushed explanations. If you can’t tell me what your plan does after we talk, I haven’t finished my job.
You make the call, I give you the facts.
Options and trade-offs, laid out honestly. Your decision, at your pace. I am not going to push you toward a plan because it suits me.
We work within your budget.
The best fit for what you are comfortable spending — not the most expensive plan you would technically qualify for.
The relationship doesn’t end at enrollment.
I am still your point of contact for benefits questions, claims problems, and changes to your coverage. That is the part most people need and rarely get.
Straightforward, professional, and on your side.
I represent you, not a carrier. That is the whole reason to work with an independent broker rather than calling one company directly.
Who you’d be working with
An independent broker, working for you.
Before insurance, I spent five years at Apple learning what real customer care looks like, then two years in real estate sharpening the relationship side of sales. In 2023, I found my way into insurance for good, joining forces with a longtime friend who started in the industry back in 2018 and eventually built his own brokerage. He’s our senior broker today. Since then, I’ve grown my carrier network across both ACA and private markets, helping over 500 families find coverage and counting.
Let’s find out what you actually qualify for.
A short conversation, no cost, and no pressure to buy anything. If I am not licensed where you live, I will tell you that in the first minute.