I'm Kristian Delgado — an independent licensed broker helping businesses, families, and individuals find health coverage that fits their actual life and budget. No call centers. No pressure. Just straight talk and real options.
Every situation is different. I'll walk through trade-offs together and recommend what actually fits — not what pays the highest commission.
Subsidized plans for individuals and families. Most enrollees pay $0–$200/month after subsidies.
Off-marketplace coverage for those who don't qualify for subsidies — short-term, indemnity, and PPO options.
Health, dental, vision, and life for businesses with 5–100+ employees. Level-funded plans can save 20–40%.
Whether you're hiring your first employee or running a 100-person operation, the right group strategy looks different. Here's how I think about it.
My engagement model is built to be transparent and low-pressure. You'll always know what's next.
15–30 minute call to understand your situation, current coverage, budget, and what you actually need.
I'll pull quotes across carriers and run a side-by-side of your real options — costs, networks, and trade-offs.
I'll handle the comparison, walk you through my recommendation, and answer every question you have.
I'll handle the paperwork, coordinate with carriers, and stay on call year-round when claims or renewals come up.
I'm independent, multi-carrier appointed, and licensed in all 50 states. Most of my clients have my direct cell — because the value of a broker isn't at sign-up, it's when something goes wrong.
Don't see yours? Reach out — I'll answer over the phone or by email.
Tell me a bit about your situation and I'll set up a 15-minute call to walk through your options. If you're not the right fit for what I do, I'll tell you that too.