I'm Luis, and I treat your coverage like it's my own family's.

I'm Luis Ruiz, a Florida native and licensed health insurance advisor with 5+ years of experience helping people find coverage they can actually count on. In that time I've helped 500+ individuals and 100+ families find plans that fit their lives and their budgets.

What I love most about this work is being in your corner: a real person who explains every option in plain English, tells you the trade-offs honestly, and never pushes you into something that doesn't fit. I specialize in helping the self-employed, 1099 earners, business owners, travel nurses, truck drivers and growing families. These are people who buy their own coverage and deserve better than a call center.

I also don't disappear after you enroll. You get a dedicated advisor for life: annual reviews when your situation changes, help when a bill or claim doesn't look right, and a real number to call instead of an 800 line.

How I work

• Honesty first. If a plan is limited-benefit and not ACA major medical, I say so before you apply.
• Your doctors, checked. I verify networks and prescriptions before you enroll, not after.
• No pressure. Advice and quotes are free. You decide if and when.
• Always reachable. Call, text or email me directly.

Credentials

• Advisor: Luis Ruiz
• National Producer Number: NPN 22256582 (verify at NIPR)
• Licensing: Resident license in Florida; non-resident licenses in all other states and D.C.
• Based in: Orlando, Florida (Florida native)
• Languages: English and Spanish
• Reach me: (786) 510-1626 · ruizadvisory4@gmail.com

Who I work with