Health insurance
We help you choose a plan that includes your doctors and medications, at a cost you can afford.
- ACA (Obamacare) with income-based government savings
- Private plans
Insurance agency in Orlando
Health, life and supplemental insurance in Orlando, in English or Spanish.
We compare ACA Marketplace and private plans, check whether you qualify for government savings and help you enroll. Our advice is free.
or our office landline: (407) 286-0103
5.057 Google reviewsGot your 2027 renewal letter? Send us a photo and we will review it.Free adviceWe compare several insurersOffice in Hunters Creek, OrlandoEnglish and Spanish
Open Enrollment 2027
Enroll, renew or switch your health plan for 2027
It runs from November 1 to January 15. Enroll by December 15 and your coverage starts January 1. Pick where to start and we will reply on WhatsApp.
It closes January 15. Enroll now and your coverage starts February 1. Pick where to start and we will reply on WhatsApp.
Got your renewal letter?
Send us a photo and we will tell you whether to keep your plan or switch. At no cost.
Review my renewalNo coverage yet?
We check whether you qualify for government savings based on your household, income and documents, and which plans apply.
See if I qualify for savingsNot ready yet?
We will remind you on WhatsApp before December 15, the deadline for coverage starting January 1.
We will remind you on WhatsApp before January 15, when Open Enrollment closes.
Remind me before it closes
You do not need every document to get started: message us with what you have.
Did your mom, brother or neighbor get a letter too? Send them this page.
Share on WhatsAppOur insurance
Insurance we help you get in Orlando
As brokers, we compare plans from several insurers and explain what matters before you decide.
Life insurance
So your family is not left with debt if something happens to you. We help you figure out how much coverage you need.
- Term: coverage for a set number of years
- IUL: coverage that can build cash value
- Whole life: lifelong coverage
Supplemental insurance
They can pay you directly, depending on your coverage, for what health insurance leaves out.
- Accident
- Hospital stays
- Critical illness
- Dental and vision
About us
Henry, Loreana and their team speak your language.
Henry, Loreana and their team start from your situation: whether you have never had insurance, your immigration case is pending or you are self-employed. As brokers, we compare options from different insurers.
Talk to the team on WhatsAppHenry Montero and Loreana Laya
HL Insurance Services
Real reviews
What our clients say on Google
“Excelente Servicio. Sin personas muy amables que están pendientes de sus clientes y los ayudan en todo momento. Tengo 6 años con Henry y su grupo y la verdad me he sentido muy confiada en toda su asesoría. Igualmente con las chicas de su equipo Amalia y Sandra.”“He tenido una experiencia muy satisfactoria con el equipo de HL insurance LLC, tienen un personal excelente que explica y ayuda con calma y profesionalismo, así que los recomiendo ampliamente y les doy las gracias.”“Henry y Loreana, Sandra, Katy y todo su equipo, son excelentes, me han atendido enseguida que los necesito, explican bien los planes a modo que se entienda, estoy satisfecha con sus servicios. Dios los bendiga.”Google reviews, in their original language.
Read them all on GoogleOur office
Office in Hunters Creek, Orlando
We serve families in Orlando, Kissimmee, Hunters Creek, Meadow Woods and Lake Nona.
- Address
- 13564 Village Park Dr, Unit O-200, Orlando, FL 32837
- Office hours
- Monday–Friday · 9:00 a.m.–5:00 p.m.
Health insurance FAQ
How much does health insurance cost in Orlando?
It depends on your age, ZIP code, how many people you include and your income. With the ACA Marketplace, many families qualify for government savings that lower the monthly premium. We give you the real price once we review your situation.
How much does your advice cost?
Nothing. Reviewing your situation and explaining your options is free, with no obligation. You only pay the premium of the plan you choose.
When is ACA Open Enrollment?
Open Enrollment for 2027 plans runs from November 1, 2026 to January 15, 2027. For coverage starting January 1, enroll by December 15. Outside those dates you can only enroll after a qualifying life event, such as losing coverage, getting married, having a baby or moving.
What do I need to enroll?
Usually: each person’s name and date of birth, a Social Security number or immigration document, and an estimate of your household income for the year. If you already have coverage, your renewal letter helps a lot.
What happens if I do not renew my plan?
If you have a Marketplace plan and do nothing, you are usually re-enrolled in the same or a similar plan, but the price and your savings may change. That is why it pays to review your renewal letter every year.
Can I get health insurance while my immigration case is pending?
It depends on your immigration document, and the rules for government savings can change from year to year. We review your situation and explain which Marketplace or private plans apply.
Do you help in English?
Yes. We help you in English or Spanish, by phone, on WhatsApp or at our Orlando office.
Where is your office?
At 13564 Village Park Dr, Unit O-200, Orlando, FL 32837, in the Hunters Creek area. We are open Monday to Friday, 9:00 a.m. to 5:00 p.m.
Here to help
Contact us
Message us on WhatsApp, call us or visit the office, whatever works best for you.
Office landline: (407) 286-0103