For more than a decade, Vivian Soto has helped Florida families, individuals, and small-business owners cut through insurance jargon and find coverage that actually fits their lives — in English or español, with zero pressure and no hidden fees.
Her Story
Vivian started her insurance career after watching her own family struggle to navigate the U.S. healthcare system. As a bilingual immigrant, she saw firsthand how confusing terms like “deductible,” “coinsurance,” and “Medicare Advantage” can shut people out of the coverage they qualify for — and she promised herself she would build a practice where every client gets answers in plain language, not jargon.
Today, she runs VS Healthcare Solutions out of Orlando, FL, serving clients in every Florida county and a growing nationwide client base. She specializes in ACA Marketplace plans, Medicare, life insurance, dental & vision, business / group plans, and supplemental coverage — the full stack a Florida family typically needs.
What Makes Her Different
Truly bilingual service
Every conversation, document review, and enrollment in your language of choice. No awkward translations, no losing meaning.
Independent & carrier-neutral
She compares 12+ top-rated insurance companies. Carriers pay her commission — you pay nothing. That means honest recommendations, not sales pitches.
Year-round support
You don’t just hear from her once a year at renewal. Need a doctor added? A claim explained? A life event update? Call or text directly.
Plain-language explanations
Every plan is broken down into deductible, copays, network, drug coverage, and total annual cost — so you know exactly what you’re buying.
Florida-licensed. Vivian holds active resident licenses with the Florida Office of Insurance Regulation (Health, Life, Variable Annuities) and is appointed with carriers including Florida Blue, UnitedHealthcare, Cigna, Aetna, Humana, Wellcare, and more.
Credentials & Specializations
ACA Marketplace Certified
Annually re-certified to enroll clients in HealthCare.gov, calculate premium tax credits and CSR Silver plans correctly.
Medicare AHIP Certified
Yearly AHIP certification across Medicare Advantage, Part D, and Medicare Supplement plans for all major carriers.
Life & Health License
Florida resident license #W123456 (Life, Health, Variable Annuities) plus appointments with 12+ carriers.
Bilingual EN / ES
Full enrollment, plan review, and ongoing support in English or Spanish. Servicio bilingüe completo.
What Clients Say
“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, even food assistance. She didn’t just become my agent — she stays on top of what’s best for me. I am so grateful and recommend her to everyone.”
— Yasmin Oramas
Ready to talk through your options?
Free, no-pressure 20-minute call — English or Spanish. Vivian will review your situation and recommend a plan only if it actually fits.