How does a health insurance advisor get paid?

The carrier compensates the advisor when someone enrolls, and that compensation is already built into the plan's filed rate. The premium is the same whether you enroll through an advisor, on your own, or through another agent.

How do I verify that Saintellus is licensed?

Mohab H. Saintelus holds Florida insurance license #G188518 and is appointed in 31+ states. The license can be verified free of charge through the Florida Department of Financial Services licensee search at licenseesearch.fldfs.com.

Will my information be sold to other agents?

No. Information submitted reaches one advisor at Saintellus. Leads are never sold, traded or resold.

What support is available after enrollment?

The same advisor remains available for ID card questions, denied claims, network changes and annual renewal, rather than transferring clients to a service line.

Health Insurance Broker · Licensed in 31+ States Are you the Owner?

Florida-based · Licensed in 31+ states

Health coverage tailored to you — not the public.

Q: What if the best coverage option is not one Saintellus can sell?

The advisor will say so. Sometimes the right answer is a spouse's employer plan, Medicaid, or keeping existing coverage.

We open clients’ eyes to every option available — for individuals, families, and small businesses — and tailor a plan to their needs: lower monthly costs, better benefits.

Get a Free Quote → See how it works

31⁺

Licensed States

Consult · 15–20 min

24^hrs

Quote Turnaround

A family enjoying time together outdoors

Personal guidance · Nationwide options

Access to major U.S. carriers

Aetna Cigna UnitedHealthcare Blue Cross Blue Shield Oscar Kaiser Anthem Molina

Carrier names are trademarks of their respective owners. Saintellus Health Advisory is an independent advisor.

Finding the right plan shouldn't take a miracle.

Most people feel completely overwhelmed trying to find coverage that actually fits. The process is broken — but it shouldn't take divine intervention to get you covered.

You search online…

…and suddenly your phone won't stop ringing with spam from lead-generation sites praying on the confused.

You check the Marketplace…

…and the prices are sky-high once you're past the subsidy thresholds, with no one to explain why.

You finally pick a plan…

…but the deductibles and premiums leave you praying you picked right, with nobody to ask if you didn't.

What Most People Don't Know

Not every plan is tied to your income.

Marketplace pricing is built around what you earn. Private plans are underwritten differently — so earning too much for a subsidy, or having income that moves month to month, does not leave you without options. We compare every route side by side.

See if you qualify

Coverage Options

Private, Marketplace & Group Options for You

Personalized coverage for individuals, families, self-employed professionals, and businesses.

Individual & Family

Private health plans not available online, plus marketplace options. We'll determine which fits — whether your income qualifies for subsidies or you'd save more outside the marketplace.

→ Private + ACA options

Small Business Group

Customizable health policies tailored to your business size, industry, and budget — with simple setup and ongoing support.

→ Group + employer plans

Self-Employed, 1099 & Entrepreneurs

Contractors, freelancers, founders and small business owners — subsidies assessed on net income, and a group plan compared against individual whenever you have a team.

→ Self-employed & owner plans

COBRA Alternatives

Compare the full cost of continuing employer coverage against individual options before your election window closes.

→ Transition coverage

Retirement & Pre-Medicare

Retiring before 65 means covering the gap yourself. Subsidies are based on income you draw, not on what you have saved — which is why so many retirees qualify and never check.

→ Bridge to Medicare

Truck Drivers & Owner-Operators

A plan that ends at the state line is emergencies-only three states out. Network reach comes first for a driver, and net income after truck expenses changes the subsidy.

→ Driver coverage

How It Works

Three steps. About 60 seconds.

No spam-calling lead farms. Just one licensed advisor, walking you through your real options.

Tell us about you

Answer 3 quick questions about who you're covering, where you live, and what kind of plan matters most.

We compare your options

We pull private plans, ACA-eligible options, and group plans across major U.S. carriers — then narrow to what genuinely fits.

You choose, we handle the rest

Plain-English walkthrough of every option. When you're ready, we handle enrollment, paperwork, and renewals.

Who We Help

Coverage guidance built around real working lives

Your job title does not determine the right plan. Your household, doctors, prescriptions, budget, and priorities do.

Business Owners & Entrepreneurs

Individual and group strategies that can adapt as the company grows.

Self-Employed & 1099 Contractors

Portable options for freelancers and independent professionals.

Families & Individuals

Clear comparisons for everyday households and married couples.

Traveling Professionals

Nationwide network options that can move with your schedule.

People Between Jobs

Help comparing COBRA, Marketplace, and private transition coverage.

Pre-Retirement Households

Coverage planning for the years before Medicare eligibility.

Find options now →

About Saintellus

Built to make complex coverage feel clear and personal.

Health insurance should not feel like a puzzle. Saintellus Health Advisory was created to help individuals, families, and professionals understand every credible path before they make a decision.

You deserve thoughtful guidance, an honest comparison, and a plan you can feel confident carrying forward.

We combine private, Marketplace, employer, and group options with a conversation centered on your priorities—not a one-size-fits-all sales script.

Mohab H. Saintelus

Licensed Advisor

Specialized solutions

Guidance for international entrepreneurs, diplomats, government contractors, and professionals with needs that do not fit a standard template.

Education first

Every plan — deductibles, networks, drug coverage — walked through before you sign.

Why it feels different

We analyze, empathize, and deliver—with proactive counseling that balances risk assessment, practical control, and affordability.

Ongoing partnership

Same advisor for renewals, claim questions, and plan changes — not a different person each year.

The People Behind Your Coverage

Real advisors, not call centers.

Direct guidance from licensed professionals who remain available after enrollment.

Mohab H. Saintelus

Licensed Advisor

Simon

Licensed Advisor

Petrina S.

Licensed Advisor

Harold Carvajal

Licensed Advisor

Client Voices

Real people. Real results.

Honest words from clients who decided to stop guessing and start asking.

Verified Google Business

Trilingual · EN / ES / Kreyòl

31+ States Served

Connecting to verified Google reviews…

Privacy & Security

Your information stays yours

Sensitive health and contact information deserves careful handling.

Never sold for marketing

Your information is used to help evaluate coverage—not resold to third-party lead marketers.

Secure transmission

Website traffic and form submissions are protected with HTTPS encryption.

You stay in control

Read our Privacy Policy for details.

Straight Answers

Why should I trust you?

It is a fair question, and most people are too polite to ask it out loud. You are being asked to hand over your household details and take advice on something that affects your family for a year at a time.

So here is the plain version: what this costs you, who actually pays me, and what happens after you enroll.

If the answer you need is not on this list, ask it directly. Nothing here should require a leap of faith.

Florida license #G188518 — verify it yourself
Appointed in 31+ states, based in Fort Lauderdale
No consultation fee, no service fee, ever
Your information is never sold or resold
The same advisor at renewal, not a queue

What does this cost me?

Nothing. There is no consultation fee, no service fee and no charge for the comparison, the application or the paperwork. You pay your premium to the carrier — that is the whole cost.

Then how do you get paid?

The carrier compensates me when someone enrolls, and that compensation is already built into the plan’s filed rate. Your premium is the same whether you enroll with me, on your own, or through another agent. Carriers also measure agents on how long their clients stay, so a plan that turns out to be a bad fit costs me more than it costs you.

How do I know you are actually licensed?

Check before we ever speak. I hold Florida license #G188518 under my own name, Mohab H. Saintelus, with carrier appointments in 31+ states. Look it up yourself on the Florida Department of Financial Services licensee search — enter the number, or search my name. You should never have to take an advisor’s word for this.

Will my information get sold?

No. What you send reaches one advisor here. We do not sell, trade or resell leads — which is why you will not get the wave of calls that usually follows a form on a comparison site.

What if the best option is not one you can sell me?

Then I will say so. Sometimes the right answer is a spouse’s employer plan, Medicaid, or simply keeping the coverage you already have. That costs me one sale and keeps the relationship, and that trade has always been worth making.

What happens after I enroll?

The same advisor stays with you — ID card questions, a claim that got denied, a doctor leaving the network, renewal in the fall. You are not handed off to a service line.

Get in Touch