LVHealthGroup · Licensed Broker22+ States Licensed350+ Families & Businesses ServedACA · Private Sector · Life · Annuities · Business · EmployerConnect on LinkedIn →Mon – Fri · 9am – 6pm ETDirect Carrier Access · No MiddlemenLVHealthGroup · Licensed Broker22+ States Licensed350+ Families & Businesses ServedACA · Private Sector · Life · Annuities · Business · EmployerConnect on LinkedIn →Mon – Fri · 9am – 6pm ETDirect Carrier Access · No Middlemen
Coverage that works.
Independent. Licensed across 22+ states. Direct carrier access, no middlemen, no runaround. We find what fits and get you covered — same day.
22+
States Licensed
12
Carriers
350+
Families & Businesses
Proud to serve.
A large part of who we serve comes from the communities that give the most — and from those who build their own. Law enforcement, military, medical professionals, independent contractors, CPAs, realtors, and 1099 workers. We understand the schedules, the gaps, and the specific coverage needs that come with each.
Families & Self-Employed
Small Business Owners
1099 & Gig Workers
Nurses & Medical
First Responders
Military & Veterans
LVHealthGroup
Licensed & Recognized · Tampa, FL
A different kind of health agency.
No pressure. Your fit.
We do not push plans. We listen first. Budget, doctors, medications, lifestyle — we build around what actually matters to you and present options that make sense for your situation, not ours.
Both worlds.
ACA Marketplace or private sector — we run both. Most brokers are locked into one lane. We are not. That means you see the full picture and choose what fits, not what is available to a captive agent.
Same day.
From first call to active coverage the same day in most cases. No delays, no back and forth. One broker handles discovery, recommendation, and enrollment from start to finish.
We stay.
Most agents disappear after enrollment. We pick up the phone after. Billing issues, claims questions, coverage changes — reach out directly and it gets handled. No 1-800 numbers.
Appointed with the nation's top carriers
BlueCross BlueShield
UnitedHealthcare
Aetna
Cigna
Mutual of Omaha
Aflac
AIG / Corebridge
Ambetter
Americo
Allstate
Ethos Life
Foresters Financial
Backed by the best.
We work directly with the platforms and carriers that power the industry. Verify your options, explore your network, and see what we work with firsthand.
"Bell picked up every time I called. She had my plan sorted same day and made the whole thing painless. I've sent three people her way already."
Client, Arizona
"I didn't know where to start. Bell walked me through everything step by step, never made me feel rushed. By the end of the call I had coverage. That doesn't happen anywhere else."
Client, Arizona
"Levi made the whole process easy. I didn't have to chase anyone down or repeat myself twice. We send every referral his way and haven't had a single complaint."
Client, Florida
"Honestly didn't think I'd qualify for anything decent at my income. Levi pulled up options I didn't know existed and had me covered the same week. Rare."
Client, Texas
"Gianna knew the answer before I finished the question. Benefits, coverage gaps, what to stack — she handled it. I feel like I actually understand my plan now."
Client, Georgia
"Most agents disappear after enrollment. Gianna followed up, caught an issue before it became a problem, and fixed it. That kind of follow-through is hard to find."
Client, Tennessee
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Common questions, straight answers.
An HMO requires you to use a primary care doctor and get referrals to see specialists lower cost but more restricted. A PPO lets you see any doctor or specialist without a referral, in or out of network. More flexibility, slightly higher premium. For most of our clients who want freedom of access, PPO is the better fit.
A deductible is the amount you pay out of pocket before your insurance starts covering costs. Not all plans have one some private sector fixed indemnity plans through UHC have zero deductible, meaning benefits activate from day one. ACA plans typically carry a deductible ranging from a few hundred to several thousand dollars depending on the tier.
After you meet your deductible, coinsurance is the percentage of costs you share with the insurance company. A typical split is 80/20 the plan pays 80%, you pay 20% until you hit your out-of-pocket maximum. Once that cap is reached, the plan covers 100% for the rest of the year.
Your out-of-pocket maximum is the most you will ever pay in a single plan year for covered services. Once you hit that number through deductibles, copays, and coinsurance the plan pays 100% for the remainder of the year. It is your financial ceiling. ACA plans are required to have one by law.
ACA Marketplace plans are required to cover pre-existing conditions no health questions, no underwriting, guaranteed issue. Private sector plans like fixed indemnity are medically underwritten and may exclude or limit coverage for pre-existing conditions for up to 12 months. We match you to the right plan type based on your health profile.
ACA Marketplace plans have an annual Open Enrollment Period. Outside of that, a qualifying life event losing coverage, moving, change in household size, or income change opens a Special Enrollment Period. Private sector plans like fixed indemnity can be enrolled in year-round with no waiting period.
Depends on the plan's network. We verify doctor participation before recommending any plan. PPO plans through UHC give you access to over 1.8 million providers nationwide the broadest network available. If keeping a specific doctor matters to you, tell us upfront and we build around that.
Term life covers you for a fixed period 10, 20, or 30 years at a fixed premium. Simple, affordable, pure death benefit. Whole life is permanent, never expires, and builds cash value over time. IUL (Indexed Universal Life) adds a growth component tied to a market index. The right choice depends on age, budget, and financial goals.
Being young and healthy is exactly when life insurance is cheapest and easiest to get. Premiums are locked in at your current age and health status. Waiting means paying more or getting declined. If you have dependents, debt, or anyone relying on your income, coverage should be in place now, not later.
ACA plans can be changed mid-year only if you experience a qualifying life event. Private sector plans can typically be adjusted or cancelled at any time. If your situation changes income, household, health contact us before making any changes through the carrier directly. We handle it correctly.
