Client-first, not commission-first
Carriers pay a commission that is already built into the plan’s filed premium. It does not cost you more to work with me, and it should never decide which plan I recommend.
About
Finding the right coverage at the right price… That’s my job.
I’m Andres Robledo. I’m an independent health-insurance broker, which means I work for the person buying the coverage rather than the company selling it. Here is who you would actually be dealing with.
About me
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.
At the center of it all is one belief: I work for my clients, not the insurance companies. I’m honest about what’s actually available, and I see myself as being on your team — because in this business, relationships matter more than anything else.
The difference, side by side
| Question | Captive agent | Independent broker |
|---|---|---|
| Who they work for | One insurance company | You |
| Plans they can show you | That company’s plans only | Plans across many carriers |
| Mix and match | Not possible | Compared side by side |
| Cost to you | Built into the premium | Built into the premium, the same |
How I work
Four things I will not trade away.
Educational, not high-pressure
I would rather you take a week and understand your options than sign something today because I was persuasive. Insurance bought under pressure gets canceled.
Detail-oriented
Networks, formularies, deductibles, effective dates. The details are where coverage quietly fails people, so that is where I spend the time.
The best product for your budget
Not the richest plan, not the cheapest. The one that actually fits what you need and what you can pay every month without resenting it.
Credentials
The licensing, stated plainly.
You should be able to check any broker before you talk to them. Here is everything you would need to do that. Nothing on this page is guessed: where a number is shown it is the real one, and where one is not shown yet it is simply not shown.
Producer record
- Name
- Andres Robledo
- Brokerage
- Manner Health Solutions
- Licensed since
- 2018
- Independent since
- 2023
- States licensed
- 30 — check yours
- National Producer Number
- 20774412
Want to talk it through?
The first conversation costs nothing and commits you to nothing.