Three generations of a family together on a beach

Health insurance broker · Miami, Florida · 30+ states

No one should buy a health plan they don’t understand.

This is where Real Clarity Benefits takes over. I show you every option you qualify for, explain what each one actually costs you, and let you choose — no cost, no pressure, and the same broker at renewal.

  • Se habla español
  • Licensed in 30+ states

We can compare major carriers in your area

  • UnitedHealthcare
  • Blue Cross Blue Shield
  • Aetna
  • Cigna
  • Kaiser Permanente
  • Humana
  • Oscar
  • Ambetter
  • Molina Healthcare

Availability varies by state and plan year. Listing a carrier isn’t an endorsement by that carrier.

Coverage options

Working with me means having an expert and an advocate in the same person.

Insurance isn’t one size fits all. Before I recommend a single plan, I want to know your budget, your health needs, the doctors you want to keep, and what you’re working toward.

ACA Marketplace · individual & family · small business · Medicaid guidance · dental & vision · accidental & catastrophic

See every coverage option

Open Enrollment 2027 starts in

November 1, 2026 is your next chance to lock in individual or family coverage for the year.

—Days
—Hours
—Min
—Sec

December 15 is the deadline for coverage starting January 1. Medicaid and CHIP have no enrollment window at all.

Our impact

Built on results, not promises

30+States licensed
24hrTypical reply
$0Cost to consult
100%Personalized
A family sharing an outdoor meal behind a row of American flags

Honest, transparent, custom-tailored coverage — one phone call away.

Wherever you live on that list, you get the same person, the same comparison, and the same call back in March.

Consultations and quotes are free, and your premium is the same either way. My compensation depends on client retention and satisfaction.

How we work

Three steps to better coverage, often at a lower rate.

Quotes are free. Every subsidy and discount you qualify for gets applied. And the broker you speak to on the first call is the same one who’s there at renewal.

  1. 01Step one

    Personal consultation

    Fifteen minutes on the phone, free. I’ll ask about your family or your team, your budget, and what you have now. By the end of that same call you’ll have real numbers to look at.

    Free, and no obligation

    On that call
    • Free, no-obligation review of what you have now
    • Every subsidy and tax credit you qualify for, checked
    • Live quotes on the same call
    • No pressure to buy — ever
  2. 02Step two

    Compare & enroll

    I work with top-rated carriers across the country, so you aren’t limited to whoever happens to advertise in your area. You’ll see the plans side by side: what they cost in total, which doctors are in network, what’s covered and what isn’t. Not just the monthly premium.

    Top-rated carriers, all in one place

    What I handle
    • Full Marketplace vs private market comparison
    • Stronger benefits at the lowest rate you qualify for
    • Long-term solutions, not quick fixes
    • Paperwork, ID cards and onboarding handled for you
  3. 03Step three

    Covered & support

    Claims, renewals, adding a baby, dropping a plan. All of that is part of what I do and none of it costs extra. You can call me in March, not just in December.

    Real People, Real Guidance, Real Clarity.

    All year long
    • Year-round claim help at no extra cost
    • Personal, concierge-level support
    • Add ons or drop benefits whenever life changes
    • All included — no surprise fees
A couple reviewing their health plan options together

No cost

Send me the plan you have now. I’ll tell you if it’s the right one.

I’ll tell you what your plan really pays, where it leaves you exposed, and whether something better exists for you. If the answer is to keep what you have, I’ll say so.

Get a free policy review
Reviews

What clients say

Real People, Real Guidance, Real Clarity in Health Insurance.

5.0 Rated on Google
  • “Ms.Real was very lovely assisting my family find insurance. She made the process smooth and easy :)”
    Jakai LinwoodGoogle review
  • “Really solid experience. I own a small shop and needed insurance for the whole team—mechanics, front desk, everyone. They walked me through the options without the usual runaround, explained the coverage clearly, and got everything set up faster than I expected. Pricing was fair for what we needed, and the follow-up was straightforward when I had a couple of questions. Glad I went with them. Would recommend to any other shop owner looking for the same thing.”
    FredoGoogle review
  • “As a traveling nurse, finding good health insurance that works across different states can be challenging. They made the entire process so easy! They took the time to understand my needs, explained all my options, and helped me find an affordable health plan that fits my lifestyle and travel schedule. The customer service was amazing, and I never felt pressured or rushed. Highly recommend them to anyone looking for reliable health coverage, especially fellow travel nurses!”
    Adisney PinoGoogle review
  • “excellent service very happy to have done business with them. Tati was amazing, customer service was spot on and I have to say I would highly recommend”
    Thomas SmithGoogle review
  • “Tatiana was great! I’m self employed and health coverage has always been a concern but she made it so fast and easy with great coverage, I couldn’t be more grateful!”
    Gabriela Lopez De ArceGoogle review
  • “Had a great experience working with Clarity Benefits. Between running a company and making time for family, i don't have much time to shop for insurance. Clarity Benefits did all the shopping for me. They were quick, clear, and effective! Will be recommending to family and friends!”
    Ace CrutcherGoogle review
  • “As a self-employed individual, finding the right health insurance coverage can be challenging, but my experience with this insurance company has been great. They helped me understand my options, find coverage that fit my needs and budget, and made the process simple and stress-free. I appreciated the professionalism, clear communication, and personalized service. I would definitely recommend them to other self-employed individuals looking for reliable health insurance options!”
    Ashley SuzanaGoogle review
  • “As a truck driver, finding affordable health insurance that works with my schedule and frequent out-of-state travel has always been a challenge. Tatiana made the entire process simple and helped me find a plan that fit my budget and needs, especially when it came to DOT physicals and having access to a flexible network while on the road. She was knowledgeable, patient, and took the time to explain my options without pressuring me. Definitely recommend her to anyone looking for affordable coverage!”
    Alex DuongGoogle review
  • “Working with clarity benefits was a great experience! They helped me explore health insurance options for my small business and made the entire process easy to understand. They took the time to explain the available coverage options, answer my questions, and help me find a solution that fit my business needs and budget. The service was professional, straightforward, and stress-free. I highly recommend to any small business owner looking for health insurance for themselves or their employees!”
    Bradley VilsaintGoogle review
  • “Hace 6 meses tuve una gran experiencia con la accesoria de Andrea la representante de Real clarity benefits. Ella me explicó todas las opciones diferentes que podía calificar y los mejores precios. los cual me llevó a tomar la mejor decisión y seleccionar segur médico, visión, dental. Gracias por su ayuda estoy muy agradecida y contenta con mi elección.”
    Beatriz Rubiano RamirezGoogle review
  • “I had a wonderful experience working with my insurance broker Andrea Teal to get my Marketplace health insurance. They were extremely helpful, knowledgeable, and patient throughout the entire process. They took the time to explain my options, answer all of my questions, and made what could have been a confusing process feel simple and stress-free.

    I truly appreciate how responsive and professional they were and how much they cared about making sure I found the right coverage for my needs. I would highly recommend them to anyone looking for help with Marketplace insurance. Excellent service from start to finish!”
    Carrie KazaneckiGoogle review
  • “Estoy muy conforme con el servicio de Real Clarity Benefits. Me ayudaron a elegir la mejor opción de plan familiar para nosotros, logrando reducir los costos de salud de forma notable. Un proceso muy sencillo y una atención al cliente impecable.”
    Mayra EstradaGoogle review
  • “I had a great experience with Real Clarity Benefits. They helped me find a way to save money on my health plan coverage without forcing me to switch my doctors. Keeping the physicians I already know and trust was my top priority, and they made sure that happened smoothly while still lowering my costs. The transition was easy and customer support was very helpful. Highly recommend!”
    Dolores MendezGoogle review
  • “Andrea is the best, she took her time and heard all of my needs never felt rushed and she helped me find a private insurance plan for me and my entire family that met everything I needed very kind and patient! Don’t hesitate to call her you won’t regret it.”
    DrewGoogle review
  • “I had an amazing experience! She really took the time to hear me out and understand what my family needed. She found every possible discount and savings available, explained everything in a way that was easy to understand, and made the entire insurance process quick and stress free. Signing up was simple, and I never felt pressured. Her professionalism, patience, and excellent customer service made all the difference. I highly recommend her to anyone looking for insurance and wanting someone who truly cares about finding the best coverage at the best price. 10/10 I’m happy!!!”
    Elizabeth RealGoogle review

Ready to make your coverage options clearer?

Fifteen minutes, nothing to sign. Have your doctors, your prescriptions and a rough idea of next year’s income ready. You’ll hang up knowing where you stand.