Good questions, plain answers.

Emily Daza is a licensed health insurance advisor (NPN 21284721) and team lead based in Plantation, Florida. She and her team help healthy individuals, families and self-employed people find private PPO health insurance, in English or Spanish.

No. There's no fee to work with Emily's team. Brokers are typically paid by the insurance company, so you pay nothing extra for help comparing plans.

Yes. Emily is bilingual and works in English and Spanish, by phone, text, WhatsApp or video.

Yes. Emily is licensed in 31+ states, so her team helps clients nationwide. You can verify her license through NIPR with NPN 21284721.

Emily leads a team, so quote requests are handled quickly, even in the busiest weeks of Open Enrollment. You can also book a specific time on her calendar.

Emily's team stays your point of contact for claims questions, life changes and renewals. You won't be handed off to a call center.

Private health insurance is coverage you buy directly, outside the ACA marketplace. Private plans usually ask health questions and often reward good health with better coverage at a better rate.

For many healthy people, yes. Private plans can offer lower rates, nationwide PPO networks and zero-deductible options. Emily's team compares plans so you can see if it's a fit for you.

It depends on your age, ZIP code, household and health, and on the plan you choose. Emily's team gives you real quotes for free, usually in one short call or text.

A PPO (preferred provider organization) plan lets you see doctors and specialists in a broad network without a referral. Many private PPO plans include nationwide networks.

A zero-deductible plan starts sharing costs right away instead of waiting until you pay a deductible first. Zero-deductible plans are available, and Emily's team shows how they compare on price.

Many private plans include prescription coverage. Emily's team checks your specific medications before you apply.

Often, yes. Tell Emily's team which doctors and hospitals you use, and they check each plan's network before you apply.

No. Private plans are sold outside the ACA marketplace and work differently. They usually ask health questions, may limit pre-existing conditions and may not cover every ACA benefit. Emily's team explains what each plan covers.

Usually, yes. Private plans typically ask about your health. Emily's team walks you through the questions before you apply.

Yes. Freelancers, contractors and business owners can buy individual or family coverage on their own. Many self-employed people can also deduct premiums; check with your tax professional.

Yes. Owner-operators and 1099 drivers can get private coverage, and many PPO plans include nationwide networks that work on the road.

Yes. A private plan you own doesn't depend on your agency, so it can stay in place between assignments.

Yes. Independent agents and brokers can buy private individual or family coverage built around commission income.

Yes. Emily's team compares private family plans that cover your spouse and children, checked against your doctors and budget.

For 2027 coverage, Open Enrollment runs November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1.

Often, yes. Many private plans can be purchased year-round. Open Enrollment is still the season most people compare their coverage.

It depends on the plan and approval. Emily's team tells you the earliest start date for each plan you're considering.

Your ZIP code, who you want to cover, and any doctors or prescriptions you want to keep.