Navigating Health Insurance with Confidence – A Conversation with Elena Torres

Health insurance can be one of the most confusing and frustrating topics for individuals and families alike. From complex terminology to hidden gaps in coverage, many people struggle to find the right plan that fits their needs and budget. Today, we meet Elena Torres, owner of Torres & Co. Health Plans LLC, she breaks down the misconceptions about health insurance, and she helps individuals and small businesses navigate their options with ease.

From Healthcare to Health Insurance

Elena didn’t always plan to work in the insurance industry. With a 13-year background in the medical field, she worked in hospitals and surgeon’s offices and even handled insurance verification. While she initially thought that would be a small detour in her career, it ended up giving her valuable insight into the insurance world.

After years of working in hospitals, especially through the challenges of COVID-19, she realized she wanted something medical-adjacent something that still allowed her to help people but without the burnout that comes with working in a hospital setting. That’s when she discovered health insurance brokering, a field she hadn’t even known existed before. She took a leap of faith, and it turned out to be the best decision she ever made.

Why Work with a Health Insurance Broker?

One of the biggest takeaways from our conversation was just how many people don’t realize that health insurance brokers exist or that their services are free. Unlike some financial advisors or consultants, health insurance brokers are paid by the insurance companies, not the clients. This means that anyone looking for guidance can work with a broker without additional costs.

Elena takes an educational approach with her clients, ensuring they fully understand key health insurance terms like:

• Premiums – The monthly cost of your insurance plan

• Deductibles – The amount you must pay out of pocket before insurance kicks in

• Co-insurance & Co-pays – How much you owe for medical services

• Out-of-Pocket Maximums – The most you will have to pay in a given year before insurance covers everything

By walking her clients through these concepts, she ensures they make informed decisions and avoid costly mistakes.

Avoiding Common Health Insurance Mistakes

Many people think they have coverage when they actually don’t, and unfortunately, they often don’t realize it until it’s too late. One of the biggest mistakes Elena sees is when people opt for the cheapest plan without understanding its limitations.

For example, catastrophic plans often have high deductibles and minimal coverage, meaning that nothing is covered until you hit a high-dollar threshold, sometimes $8,000 or more. People assume they have insurance, but when they try to use it, they find out they’re responsible for all costs upfront.

Her advice? Don’t just pick a plan based on price; make sure it actually meets your needs.

Who Can Benefit Most from Working with Elena?

Elena specializes in working with 1099 contractors, small business owners, and families, especially those who don’t have access to employer-sponsored health insurance. Many of her clients are freelancers, entrepreneurs, or small business owners looking for affordable, comprehensive coverage options outside of the traditional employer-based system.

Additionally, she helps families navigate complex situations, such as when one spouse has employer coverage but the family members need a separate plan. She even works with small businesses with fewer than 10 employees, offering individualized plans that save business owners money while ensuring employees get the coverage they need.

The Power of the Right Connections

One of Elena’s biggest strengths is her network. She works closely with financial advisors, mortgage lenders, CPAs, and life insurance agents to ensure their clients have access to health insurance solutions that align with their financial and personal goals.

Her holistic approach means she’s not just selling policies; she’s solving problems. Whether it’s a business owner trying to provide benefits for employees, a family looking to lower their monthly costs, or a freelancer trying to understand their options, she guides her clients toward the best possible solutions.

Ready to Take Control of Your Health Insurance?

If you’re unsure about your current health insurance plan or want to explore better options, Elena Torres is the person to talk to. Her free services, expert knowledge, and educational approach make health insurance more accessible and understandable for everyone.

📞 Connect with Elena:
🔗 Facebook Business Page
📱 Instagram & TikTok: @TorresAndCoHealthPlans

🎧 Watch the full episode now!

Create Amazing Content in Minutes with Opus Pro! 🎥

Turn your long-form videos into engaging, shareable content effortlessly with Opus Pro. Perfect for creating shorts for social media, Opus Pro saves you time while boosting your reach and engagement.

👉 Try it now: CLICK HERE

Make your content work harder for you get started today! 🚀