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Licensed Health Insurance Broker & Advisor
Castro Coverage

coverage, simplified.

Castro Coverage is a licensed health insurance broker helping individuals, self-employed professionals, families, and small businesses compare private plans, ACA marketplace options, PPO, and HMO coverage from 50+ carriers — at zero cost to you.

No Cost to You
Licensed & Independent
5-Star Rated
Same-Day Response
Get Your Free Quote
Takes 60 seconds. Zero cost, zero pressure.
No spam. No selling your info. Just honest advice.
Licensed Advisor
No Cost to You — Ever
500+ Families Served
HIPAA Compliant
5-Star Rated
50+ Carriers Compared
Same-Day Response
Licensed Advisor
No Cost to You — Ever
500+ Families Served
HIPAA Compliant
5-Star Rated
50+ Carriers Compared
Same-Day Response
Trusted Carrier Partners
We compare plans from all major providers so you get the best options, not just the easiest ones.
What We Do

Specialized Coverage
for Every Situation

From individual plans to full family coverage, we handle the complexity so you can focus on what matters.

Individual Health Plans

We specialize in private health insurance plans with richer benefits, broader networks, and more flexibility — often beating ACA marketplace prices. PPO and HMO options available.

Broader networks and better benefits than most marketplace plans
$0 deductible and low copay options available
Access to all major national and regional carriers
No advisor fees. Carriers pay us directly.
01
Family Coverage

Protect everyone you love, from newborns to grandparents, with plans that grow as your family does.

Small Business

Group health insurance for small teams, freelancers, and the self-employed. The right plan helps you attract and retain great people — we handle the comparison and enrollment.

Dental & Vision

Fill the gaps with supplemental dental and vision plans that keep you fully covered.

Simple Process

From confused to covered
in 3 steps

No jargon, no pressure. Just clear guidance from a real person.

1
Free Consultation

We listen to your situation, budget, and health priorities before ever suggesting a plan.

2
Compare Options

We start with private plans, then look at marketplace options too. You see the full picture and get the best value, not just the easiest sell.

3
Enroll with Confidence

We handle the paperwork and walk you through every step. You're never doing this alone.

Schedule a Call Free · No commitment · 30 minutes
Multi-State Licensed Team

Active health insurance broker licenses across 31+ states. Available year-round — not just during open enrollment.

500+
Families & individuals
protected
98%
Client satisfaction
rate
$0
Cost to you for
expert advice
50+
Carrier plans
compared
Real Client Result

From $860 to $640 a month.
Better coverage too.

A family of four was overpaying for a plan that didn't even cover their doctors. In one call, we found them a better network, a lower premium, and half the deductible.

"I couldn't believe we'd been overpaying for years. Castro Coverage found us the same coverage for half the price — and our doctors were all in-network. I wish we'd called sooner."
— Jennifer M., Family of 4, Miami FL
Before
Monthly Premium$860
Deductible$6,500
Copay$60
In-Network DoctorsPartial
Max Out of Pocket$10,600
After Castro Coverage
Monthly Premium$640
Deductible$0
Copay$0
In-Network DoctorsAll ✓
Max Out of Pocket$3,000
$2,640 saved
per year, at zero cost to them
Why Castro Coverage
We're Advisors,
Not Salespeople

We specialize in private health plans. Since carriers compensate us directly, we have no incentive to favor any particular plan or tier. Our only obligation is finding what is genuinely right for you.

A+
Trust Rating
5★
Avg Review
24h
Response Time
100%
Independent
Our Difference

Coverage built
around your life

Truly Unbiased Advice

We represent you, not the insurer. Every recommendation is based solely on what fits your situation.

A Real Person, Every Time

No call centers, no bots. A real advisor who knows your name is always just one call away.

Savings You Can't Find Alone

Most clients save hundreds per year. We identify subsidies, plan structures, and cost offsets that most people don't know to look for.

Annual Plan Reviews

Your life changes, and your plan should keep up. We review your coverage every year to make sure it still fits.

Common Questions

Everything you want to know

Straight answers. No insurance jargon.

What's the difference between a private plan and an ACA marketplace plan?
Private health plans come directly from insurance carriers, outside the government marketplace. They usually have broader networks and better benefits like $0 deductibles and $0 copays. Marketplace plans can still be a great fit, especially if you qualify for subsidies. We always look at private plans first, then consider marketplace options if they make more sense for your situation.
How much does it cost to work with Castro Coverage?
Nothing at all. Our services are completely free. Insurance carriers pay us when you enroll, so your premium is exactly the same whether you use an advisor or go it alone. No markups, no hidden fees.
Are you independent, or do you only work with certain carriers?
Fully independent. We work with all major carriers including Blue Cross Blue Shield, UnitedHealthcare, Cigna, Aetna, Humana, and more. We also compare marketplace options when they are a stronger fit. No quotas, no incentive to favor any carrier. Our only obligation is to you.
I already have insurance through my employer. Can you still help me?
Absolutely. In many cases, a private or marketplace plan is more cost-effective than employer-sponsored coverage, especially if you qualify for subsidies. We will compare your existing plan against available options so you can make a well-informed decision, with no sales pressure.
How quickly can I get coverage?
Most clients are covered within one to two weeks. If you qualify for a Special Enrollment Period because of a job loss or life event, we can often get you enrolled the same day and have coverage active within days.
What if I need help after I'm enrolled?
We're your long-term advisor, not just your enrollment contact. We assist with claims questions, plan changes, and we proactively reach out before open enrollment each year to review your coverage. You will always have a real, knowledgeable person to call.
Client Stories

Real people, real results

Don't just take our word for it.

★★★★★

"I lost my job and had no idea where to even start with insurance. Castro Coverage found me a plan that covered all my medications and cut my premium by over $200 a month. Lifesaver."

MR
Maria R.
Individual Plan — Miami, FL
★★★★★

"When I left my job I assumed COBRA was my only option. Christopher showed me a private plan with better coverage at less than half the cost. I had no idea that was even possible."

JT
James T.
Individual Plan — Houston, TX
★★★★★

"As a small business owner I had no time to deal with group insurance. Castro Coverage handled everything — found a great plan, enrolled all five of my employees, and is still a call away whenever I need them."

SC
Sarah C.
Small Business — Atlanta, GA
★★★★★

"Being self-employed, I assumed good coverage was just going to be expensive. Christopher found me a private plan with solid benefits at a price I didn't think was possible. Completely changed how I think about insurance."

DL
Diana L.
Individual Plan — Denver, CO
★★★★★

"I travel constantly for work and needed a plan that would actually cover me anywhere. Christopher found me a PPO with a national network that goes wherever I go. First time I've felt truly covered."

CV
Carlos V.
Private PPO Plan — Charlotte, NC
★★★★★

"My husband and I are both freelancers and piecing together coverage felt impossible. Castro Coverage walked us through every option, compared private plans side by side, and saved us over $400 a month. Couldn't recommend more."

LM
Laura M.
Freelancer Plan — Nashville, TN

Ready to find coverage
that fits your life?

Get your free quote in 60 seconds. No pressure, no commitment. Just honest guidance from a real person in your corner.

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