Private health, ACA marketplace, Medicare planning, and life insurance — all from one independent broker.
For healthier individuals, families, and self-employed professionals, off-market private plans often deliver stronger coverage at a lower monthly cost than traditional marketplace options.
I shop the private market alongside ACA and supplemental options, evaluate provider networks, and recommend the structure that genuinely fits your situation.
Whether you're turning 65, already on Medicare, or helping a parent navigate the alphabet soup (A, B, C, D, F, G, N…), I make the comparisons clear and the decisions easier.
All-in-one plans combining hospital, medical, and often prescription coverage.
Plans that fill the gaps in Original Medicare — deductibles, copays, coinsurance.
Verify your medications are covered before you enroll.
Initial, annual, and special enrollment guidance.
Beyond private health and Medicare, I help clients with ACA marketplace navigation and life insurance strategy.
Obamacare-compliant plans that cover essential benefits and pre-existing conditions. Subsidy eligibility review included for every client who may qualify.
Term and permanent life insurance strategies designed for long-term protection. Right-sized to your family, income, and goals — not over-sold.
Four structured steps, from first call to enrolled coverage.
Book a convenient time for your consultation call.
We review your needs, budget, and provider preferences.
Receive structured plan comparisons with clear breakdowns.
Enroll with confidence in your chosen coverage.
"Every recommendation is tailored to your specific situation — not a one-size-fits-all approach."— Sebastian Zito, SJZ Capital LLC
ACA plans cover essential benefits and pre-existing conditions but can be more expensive without a subsidy. Private plans are often more flexible and affordable for healthier individuals, but typically don't cover pre-existing conditions.
I review both sides for every client so you can choose the structure that fits.
Most private plans and life insurance products are available year-round. ACA marketplace requires open enrollment (Nov 1 – Jan 15) or a qualifying life event.
Medicare has its own enrollment windows — Initial (around your 65th birthday), Annual (Oct 15 – Dec 7), and Special enrollment for qualifying events.
Get a free, no-pressure consultation. Clear comparisons, honest guidance.
Schedule a Consultation