Joe Soto
CEO · Soto Health Solutions
I help self-employed people, 1099 workers, families, and small businesses find private, under-65 health coverage that actually fits their life. No beating around the bush — just straight, honest advice at no cost to you.
Built for independent contractors, consultants, real estate agents, tradespeople, shop owners, early retirees, and families navigating a coverage gap.
I'll be in touch soon to walk through your real options. Prefer to pick a time yourself instead?
A lot of brokers work an insurance company's book of business first, and you second. I don't carry anyone's bag but yours.
Not seeing your situation listed? If nobody hands you a benefits packet, you're probably who I help.
"Too many people I met were either overpaying for coverage that didn't fit, or going without because shopping for a plan alone felt impossible."
That's the reason Soto Health Solutions exists. I'm independent, which means I'm not tied to pushing one carrier's product — I compare real options across companies and explain them without the jargon.
There's never a fee to work with me — insurance isn't a one-size-fits-all, my job is to find you the right one. Self-employed people, families shopping for their own plan, folks between jobs: you deserve someone who actually answers the phone.
— Joe Soto
Click a state to see the license details, then verify it yourself — nothing here is just my word for it.
Every license can be independently verified through your state's Department of Insurance or the national producer registry above. I believe transparency is the foundation of trust, so please, look me up.
Pick a card and I'll set up your quote accordingly.
You handle your own paperwork already — might as well handle your own coverage the smart way.
Pick the doctors, pick the budget — coverage that answers to your household, not an employer handbook.
COBRA about to lapse, switching jobs, retiring early? Let's close the gap before it opens.
A handful of employees who deserve real benefits, without a corporate-size price tag.
Broad, PPO-style networks mean fewer "is my doctor even in-network" surprises down the road.
Plenty of private under-65 plans accept applications outside the annual open enrollment window.
Self-employed? Ask your accountant about deducting premiums — I'll flag where it's worth asking. Not tax advice.
I'm still picking up the phone long after your policy starts — not just through the sale.
You won't get bounced between departments — I handle it start to finish.
A quick call or the form above. I want to know your budget, your household, and which doctors matter to you.
As a Licensed Health Advisor, I pull options from multiple companies and translate the fine print into plain language.
Once you're covered, I don't disappear. Billing question next spring? Same number, same person.
Four common network structures, four different trade-offs.
| Feature | PPO | HMO | EPO | POS |
|---|---|---|---|---|
| Reputation | Most flexible | Most affordable | Middle ground | Blended approach |
| Need a primary care doctor? | No | Yes | No | Yes |
| Referral for specialists? | No | Yes | No | Yes |
| Covers out-of-network care? | Yes | Emergencies only | Emergencies only | Partial |
| Typical network size | Wide, often nationwide | Narrow & local | Mid-sized | Mid-sized |
| Typical premium | Higher | Lower | Lower to mid | Mid-range |
| Good match if... | You want to pick any doctor or travel often | Lowest cost matters most, network is fine | You want savings without referral hoops | You want some flexibility with more coordination |
People who value picking their own specialists tend to lean PPO. If premium is the deciding factor, HMO plans usually win. There's no universally "right" answer — it depends on how you actually use care, which is what we'll cover on a call.
From your first question to your first day of coverage — clear steps, no surprises.
A few questions about where you live, your age, household size, and income. Takes about 2 minutes and helps me narrow down what you actually qualify for.
You'll hear back from me directly — by phone or email — not a call center. No script to read from, no pressure to buy. Just straightforward guidance from someone working on your behalf.
I lay out plans from multiple carriers that fit your budget, walk through the tier differences, and help you land on something that actually covers your doctors and prescriptions.
Once you've picked a plan, I handle the enrollment paperwork with you. I'm still around afterward for claims questions, billing issues, or a renewal check-in.
Answer a few more questions about your household, income, and health history and get a fully personalized quote in about 2 minutes.
One honest conversation is usually all it takes — no pressure, no quote-blasting.
Whether you're self-employed, between jobs, starting a family, or looking outside the marketplace — there's a path here for you.
Bronze, Silver, and Gold plans sold through healthcare.gov. If your income qualifies, you may receive significant subsidies — sometimes down to $0/mo.
Purchased directly from carriers. More flexibility in benefits and networks — ideal for those who don't qualify for ACA subsidies.
Temporary coverage for gaps between jobs or life events. Lower premiums, more limited coverage — I'll explain the tradeoffs clearly.
Cover your entire household under one policy. I compare family premiums across carriers to find the best value for your household size and ages.
Add-on plans for dental, vision, or term life coverage that fill the gaps your primary plan doesn't cover.
That's exactly what I'm here for. Tell me your situation and I'll map out all your options — with zero obligation to enroll.
I'm not owned by or affiliated with any insurance company. My only job is to find you the best coverage for your money — period.
I explain every plan in plain English — deductibles, networks, out-of-pocket maximums, and all the details that actually matter when you need care.
I search public marketplace plans and private options to make sure you see everything available — not just the easiest sale.
Enrollment is just the beginning. I'm available year-round to help with billing questions, claims issues, or switching plans at renewal.
Licensed to operate in the states I serve, in full compliance with state and federal insurance regulations.
My brokerage service costs you nothing. You'll never pay more for a plan through me than buying it directly — and often, you'll pay less.
Roughly 15 minutes, zero pressure to enroll, and a long-term advisor in your corner — not a one-time quote engine.
A quick form gets you real options from a licensed broker — no pressure, no obligation.
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