I'm Leonardo Bischof, an independent licensed broker. I compare private and ACA plans across every carrier to find your best fit — free to you, and with zero pressure.
The first option you're handed is rarely your best one. Here's how they usually stack up.
Keeps your old plan — but now you pay the full premium your employer used to cover. Usually the priciest route, and it ends.
The widest choice — plans and networks beyond the exchange, with no subsidy-cliff surprises. Often the best overall value when you don't qualify for large credits, and it's where I can match you most precisely.
Comprehensive, and you may qualify for premium tax credits. A strong fit if your income lands in the subsidy range — I'll check that for you too.
*Costs and any savings are estimates that vary by individual, plan, eligibility, and location. The best path depends on your situation — that's exactly what the call is for.
Coverage that doesn't depend on an employer — and won't break the bank.
Job change or life event? You may be able to enroll right now, outside Open Enrollment.
Plans that fit your doctors and budget.
Coming off a parent's plan — get your own with confidence.
Options for you and a growing team, explained without the jargon.
A captive agent sells one company's plans. I'm independent, so I compare them all and tell you the truth.
Carriers pay me, and your price is identical to buying direct. You get help at no extra cost.
Private and ACA plans, across carriers and networks — not one company's lineup.
I explain the trade-offs so you decide with confidence. Never a hard sell.
You get me — before you enroll and whenever you need me after. No call-center queue.
A look at my active state insurance licenses — verified under NPN 21432668, with home address redacted for privacy.
Tap any license to view it full-size. Licenses rotate automatically.
Pick a time. We talk through your needs and budget — 15 minutes, no obligation.
I line up private and ACA plans across carriers and check if you qualify for savings.
You pick the plan that fits. I handle the paperwork and stay in your corner.
“I was overwhelmed trying to compare health insurance plans on my own. They took the time to understand my needs, explained my options clearly, and helped me find a plan with great coverage at an affordable price. The process was easy and stress-free.”
“After losing my previous coverage, I needed a new health insurance plan quickly. They answered all my questions and helped me find a plan that fit both my healthcare needs and budget. Their guidance made the entire process simple and worry-free.”
“I had been putting off shopping for health insurance because I thought it would be complicated and expensive. Thanks to their expertise, I found a plan that actually provided better coverage than I expected while staying within my budget. They made the entire experience simple, transparent, and worry-free.”
Nothing. A licensed broker's help is free to you — carriers pay me, and your plan price is the same as buying direct.
For many people — especially those who don't qualify for large premium tax credits — a private plan offers more carrier and network choice and avoids subsidy-cliff surprises. But if your income lands in the subsidy range, an ACA Marketplace plan may be the better deal. I check both for you, honestly.
Often, yes. A qualifying life event — losing coverage, moving, marriage, a new baby, or turning 26 — can open a Special Enrollment window.
No. I'm independent and appointed with many carriers, so I compare your options across private and ACA plans.
I'm a licensed independent insurance agent (NPN 21432668) serving clients across 31 states.
Tell me a little about you and I'll put together your options. Takes a minute.