Let's find out if you qualify for low-cost health coverage
My help costs you nothing: agents are paid by the carrier, not by you. You pay the same premium with me as you would enrolling on your own.
I enroll in 43 statesWhat about my state?
For health plans, I can't currently enroll in Alaska, Hawaii, Massachusetts, New York, New Mexico, Rhode Island or West Virginia. Reach out anyway — I can still handle life, accident and dental plans anywhere in the country.
Carla Diaz · you reach her directly
Having a child opens the door in any month of the year
Enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027. But the birth of a child opens a Special Enrollment Period: if you just had a baby, or you're about to, you can enroll even outside those dates. And separately from the health plan that covers the birth, there's a supplemental plan that pays you a cash benefit when the baby arrives.
How I can help
More than selling you a policy, I help you protect your health, your peace of mind and your family's future.
Pregnancy planning
A cash payment to you after delivery. Prenatal visits and the birth itself are covered by your health plan.
Health insurance
Marketplace coverage for care, emergencies and prescriptions. I'll check whether you qualify for a subsidy.
Life insurance
Your family's income keeps coming in if something happens to you.
Hospital coverage
A payment for every day you spend admitted, paid straight to you.
See what it covers
Supplemental hospital indemnity policy
Your health plan pays the hospital and the doctors. This policy pays you, so you can cover rent, food, utilities or transportation while you recover.
- From $1,000 to $10,000 for a covered hospital stay.
- $100 for every day in hospital, up to 365 days per stay.
- Extra benefits for the emergency room, surgery, ground or air ambulance, intensive care and rehabilitation.
You can take it for yourself, as a couple, with children or for the whole family. It is portable and guaranteed renewable as long as premiums are paid on time.
This is a fixed indemnity policy and it does not replace health insurance. Benefits, amounts and availability depend on the policy purchased, the state and underwriting.
Accident coverage
Fractures, emergency room visits and lacerations. From $22 a month.
Dental, vision and hearing
Checkups and preventive exams, with no waiting periods.
Cancer treatment coverage
Treatment costs covered, plus a cash benefit.
Critical and chronic illness
A lump-sum payment when you are diagnosed.
Do I qualify for Marketplace coverage?
More immigration statuses qualify than most people realize. Four questions and you get an instant orientation — no name, no email, no phone number.
The 10 benefits every Marketplace plan includes
They are required by federal law. Every Marketplace plan carries them, no matter the carrier or how much you pay each month.
- 01
Doctor visits
Primary care and specialist appointments.
- 02
Emergency care
Immediate attention for accidents or critical situations.
- 03
Hospitalization
Surgery and treatment received in hospital.
- 04
Maternity and newborn care
Before, during and after pregnancy.
- 05
Mental health and substance use
Therapy, counseling and specialized treatment.
- 06
Prescription drugs
Coverage for essential medications.
- 07
Pediatric services
Includes vaccines, vision and dental for children.
- 08
Lab work and testing
Diagnostic exams and analysis.
- 09
Rehabilitation and therapy
Physical, occupational and speech therapy.
- 10
Preventive services
Checkups, vaccines and early detection at no extra cost.
I'm Carla Diaz
What I find most rewarding is serving people and families who need peace of mind, with health and life plans that fit what they actually need and what they can actually pay.
I work so that every client gets the most out of their coverage, with nothing standing in the way when they need to use it. I explain everything in Spanish or English, as many times as it takes, and I stay available long after you sign.
My purpose is to give you security today and prosperity for your future.
What almost everyone asks me
The answers are here so you don't have to message me just to find this out.
Will using Marketplace coverage hurt my immigration case?
No. Enrolling in a Marketplace plan and receiving the tax credit that lowers your premium does not count as a public charge. It's the most common fear I get to clear up, and I understand where it comes from, but that's not how it works.
Why did my premium go up so much this year?
It wasn't your carrier, and it wasn't anything you did. The enhanced tax credits that had been in place since the pandemic lapsed at the end of 2025 and were not renewed, so premiums went up for almost everyone this year. healthcare.gov says so itself. That's why it's worth reviewing your plan — a different combination may serve you better now.
How much does your help cost?
Nothing. Agents are paid by the carrier, not by the client. You pay the same premium with me as you would enrolling on your own — except you have someone who explains it, compares options and answers when you actually need to use the plan.
I missed open enrollment. Do I have to wait a year?
Not necessarily. The next open enrollment runs from November 1, 2026 to January 15, 2027, for 2027 coverage. On top of that, certain life events open a Special Enrollment Period at any time of year: having a baby, getting married, moving to another state, losing coverage through work or Medicaid, or a significant change in income. If any of those happened, you can enroll outside the usual dates.
What documents do I need to enroll?
Photo ID, Social Security number or immigration document, an estimate of your annual household income, the list of people you'll include, and your address. If you already have a plan, the policy number helps.
What if I don't qualify for Marketplace coverage?
You still have options. Life, accident, hospital, dental and vision plans are private products: they don't depend on the Marketplace and don't ask about immigration status. For many people they end up being the coverage they actually use.
How can I help?
Leave me your details and I'll reach out. Fifteen minutes on the phone and you'll have your answer, whether you buy or not.