Sanford and Seminole County families are covered — from first-time Marketplace enrolment to Medicare reviews and final expense planning.
Your agent in Sanford
Sanford mixes long-time residents approaching Medicare age with younger families new to the area. Both groups benefit from the same thing: an independent agent who compares carriers instead of selling one.
Vivian Soto is a Florida-licensed insurance agent serving Sanford and the rest of Seminole County in English and Spanish. The first call runs 20–30 minutes and costs nothing.
What we cover in Sanford
Health Insurance
ACA Marketplace plans, premium tax credits and Special Enrollment Periods.
Medicare
Original, Advantage, Medigap and Part D — checked against your Sanford doctors.
Life Insurance
Term, whole life and IUL for income replacement and legacy.
Dental & Vision
Standalone plans, preventive-only through full PPO.
Business Insurance
Group health for 2–500 employees, ICHRA and benefits.
Supplemental Insurance
Accident, critical illness and hospital indemnity cover.
Why work with Vivian
Independent, not captive
We do not work for one carrier. We compare what is actually available in your county and explain why one option wins.
Local to Seminole County
We know how coverage works in Sanford, and we can meet in person, by phone or by video.
Genuinely bilingual
The whole process in Spanish if you prefer: paperwork, comparisons and calls with the carrier.
Also serving nearby
Each city has its own page with the same local guidance.
Common questions
Do you serve Sanford residents?
Yes. Sanford is in Seminole County, inside VS Healthcare Solutions' regular service area. Consultations run by phone, video or in person, whichever you prefer.
What does it cost to work with an agent?
Nothing. Compensation comes from whichever carrier you choose, and the plan price is exactly the same as enrolling on your own.
Can I keep my current doctors?
Before recommending any plan we check your doctor and prescription list against each option’s network and formulary, so you know what changes before you enrol — not after.
Can I enrol outside Open Enrollment?
Possibly. Losing coverage, moving, marriage, a new baby or an income change can open a Special Enrollment Period. We check your situation at no cost.
Are you affiliated with Medicare or the government?
No. VS Healthcare Solutions is an independent insurance agency licensed in Florida, not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area.
How do we get started?
Book a free 20-minute call. Bring your doctor list, your medications and your estimated household income for the year — that is enough to compare real options on the same call.