Insurance made clear, protection made personal.
Health insurance, Medicare, life, dental & vision. We compare plans from 50+ carriers and explain the trade-offs in plain English or Spanish — at no cost to you.
Thank You!
Vivian will reach out within 1 business day. ¡Gracias!
50+ Insurance Carriers, One Trusted Agent
Vivian works directly with the carriers below across health, Medicare, life, and supplemental insurance — so you get real choice and unbiased advice.
ACA & Health Insurance
Medicare
Supplemental
Life Insurance
Coverage for Every Stage of Life
From individual health plans to Medicare and business coverage — we help American families and businesses find the right protection at the right price.
Health Insurance
ACA Marketplace plans, individual and family coverage. We find subsidies that can reduce your premium to as low as $0/month. Open Enrollment and Special Enrollment support.
Learn More →Medicare
Original Medicare, Medicare Advantage, Medigap supplements, and Part D prescription plans. Expert guidance through enrollment from multiple carriers.
Learn More →Life Insurance
Term life, whole life, and universal life policies to protect your family's financial future. Affordable coverage starting at less than $1/day.
Learn More →Dental & Vision
Standalone dental and vision plans covering cleanings, fillings, eye exams, glasses, and contacts. Affordable coverage for individuals and families.
Learn More →Business Insurance
Group health, employee benefits, and commercial coverage for Florida and US small businesses. Attract and retain talent with comprehensive packages.
Learn More →Supplemental Insurance
Accident, critical illness, and hospital indemnity plans that provide extra cash when you need it most. Fills gaps your primary insurance doesn't cover.
Learn More →Guidance tailored to your moment
Most people come to us at one of four turning points. Each needs a different answer.
Turning 65
Your Initial Enrollment Period is seven months wide and missing it carries a lifetime Part B penalty. We map Original + Supplement against Advantage using your doctors and prescriptions.
Medicare guidance →Families under 65
Marketplace plans with premium tax credits, and the Special Enrollment Periods that open when income, work or where you live changes mid-year.
Health insurance →Self-employed & 1099
No employer plan, irregular income, and a premium that has to survive a slow quarter. We price the Marketplace against supplemental cover so a bad month doesn’t become a bad year.
Supplemental cover →Business owners
Group health for 2–500 employees, ICHRA reimbursement as an alternative to a group plan, key-person life and benefits administration.
Business insurance →Insurance, Explained in Your Language.
Vivian Soto started VS Healthcare Solutions with one mission: make insurance simple, accessible, and affordable for diverse communities across America.
Fully Bilingual Service
Every plan, every form, every question — explained clearly in English or Spanish. No confusing jargon, no language barriers.
We Compare, You Save
We shop 10+ carriers to find strong coverage at a competitive price. Independent advice — we work for you, not the insurance company.
Zero-Cost Guidance
Our consultations are always free. We get paid by the carrier when you enroll — you never pay us a dime.
Florida-Based Expertise
We know Central Florida's insurance landscape — which plans have the best local networks, which hospitals are in-network, and which carriers serve you best.
- 10+Years licensed in Florida
- 50+Carriers compared
- 2,500+Florida families served
The agent behind VS Healthcare Solutions
Vivian Soto has been a licensed insurance agent in Florida for over a decade, working from Orlando with families across Orange, Osceola and Seminole counties — and with clients nationwide.
She is independent, which means she is not tied to a single carrier and has no quota to fill. She asks about your doctors, your prescriptions and your budget before she recommends anything — and she answers the phone herself, year-round, not just at renewal.
Four steps, no pressure at any of them
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01
Reach out
Send the form or book a call. Bring your doctor list, your medications and a rough household income for the year — that is enough to start.
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02
Understand your options
Vivian explains what is actually available in your county and what each choice costs you in real numbers — deductible, copays, network, annual total.
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03
Enrol together
The paperwork is filled in on the same call, in English or Spanish. Nothing is submitted until you say you are comfortable with it.
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04
Stay covered
A claim denied, a drug dropped from the formulary, a plan changing next year — you call Vivian, not a 1-800 number. Coverage is reviewed every year at no cost.
What Florida Families Say
Unedited messages and Instagram comments, shared with permission. Vivian doesn’t pay for reviews and doesn’t cherry-pick.
I moved from New York to Florida and Ms. Vivián took me by the hand through every step so I could get all the benefits I qualified for — Medicare, health insurance, Medicaid, and even food assistance. She didn’t just become my agent — she stays on top of what’s best for me.
Because you’re the real deal!! Truly, no joke — not just for points. I’ve lived through a ton of medical emergencies and not even the doctors have solved as much as you have!! Thank you, Vivi.
Why clients stay
- She answers the phone herself — year-round, not just at renewal
- Plain language, in English or Spanish, until it actually makes sense
- She helps fight denied claims after enrollment, not just sign you up
Local to Central Florida
Licensed statewide, based in Orlando. Meet in person, by phone or by video — whichever suits you.
Insurance Tips & Guides
Helpful articles about health insurance, Medicare, and coverage options for American families — in English and Spanish.
The Medicare Prescription Payment Plan in 2027: How Florida Retirees Spread a $2,400 Drug Bill Across 12 Months
In 2027 your Part D out-of-pocket costs are capped at $2,400 after a $700 deductible. The Medicare Prescription Payment Plan lets you pay that in capped monthly installments...
MedicareAyuda Adicional y Programas de Ahorros de Medicare 2027: Cómo los Adultos Mayores de Bajos Ingresos en Florida Pagan Menos
La Ayuda Adicional baja su plan de la Parte D a $0 de prima y $0 de deducible, y los Programas de Ahorros de Medicare (QMB, SLMB, QI)...
En EspanolMedicare AEP 2027: Your Florida Open Enrollment Prep Guide (October 15 – December 7)
The Medicare Annual Enrollment Period for 2027 runs October 15 – December 7, 2026. What the ANOC letter means, what you can change, the new $2,400 Part D...
MedicareLet's Find Your Perfect Coverage.
Free, bilingual consultation. Vivian compares plans from 10+ carriers so you don't have to. ¡Llámanos hoy!
No commitment. No contracts. Just clarity.
- Bilingual — English & Spanish
- Licensed in Florida
- No cost to you
