St. Cloud sits on the southeast side of Osceola County, and Vivian helps its households with ACA Marketplace plans, Medicare, life cover and group benefits — by phone, video or the booking calendar, in English or Spanish.
Your agent in St. Cloud
St. Cloud is at the edge of the county, so the doctor, the specialist and the hospital you use may well be in Kissimmee or across the line in Orange County. A plan can look right for where you live and still leave your usual providers out of network, so we start with who you see and where, then match plans to that. Osceola County’s Medicare Advantage list also changed for 2027, which is why a plan you liked last year deserves a second look before the December 7 deadline.
Vivian Soto is a Florida-licensed insurance agent serving St. Cloud and the rest of Osceola County in English and Spanish. The first call runs 20–30 minutes and costs nothing.
St. Cloud checklist before you choose a plan
- Write down where each doctor, specialist and hospital you use is located; many St. Cloud residents travel to Kissimmee or Orlando for care.
- Keep your plan letter and card handy, and check whether your plan is still offered in Osceola County for 2027.
- List your prescriptions with doses so each option can be checked against its formulary.
- If you moved to St. Cloud recently, note the date; a move to a new address can open a Special Enrollment Period.
- If you are turning 65, mark your Medicare Initial Enrollment Period dates.
What we cover in St. Cloud
Health Insurance
ACA Marketplace plans, premium tax credits and Special Enrollment Periods.
Medicare
Original, Advantage, Medigap and Part D — checked against your St. Cloud 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 Osceola County
We know how coverage works in St. Cloud, 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.
St. Cloud by the numbers
These figures describe St. Cloud according to the U.S. Census Bureau. They show who we serve here; they are not a promise of what any plan costs or covers.
| Measure | St. Cloud |
|---|---|
| Population | 61,963 |
| Median age | 36.6 years |
| People aged 65 and over | 12.4% |
| Hispanic or Latino (of any race) | 48.1% |
| Speak Spanish at home (age 5+) | 39.8% |
| Renter-occupied homes | 28.1% |
| Median household income | $76,196 |
| Without health insurance | 10.1% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates 2019-2023, Data Profiles (DP02, DP03, DP04, DP05) . These are estimates with a margin of error. Accessed November 4, 2026.
2027 ACA Marketplace plans in Osceola County
For 2027, CMS lists 179 individual medical plans from 7 issuers in Osceola County: Ambetter Health, AmeriHealth Caritas Next, AvMed, Florida Blue, Oscar, UnitedHealthcare, Wellpoint. Premiums are the published monthly figure for a 40-year-old before any premium tax credit; your own price depends on your income, your age and the plan.
| Metal level | Plans | Monthly premium, age 40 (low – median – high) | Out-of-pocket maximum (low – high) |
|---|---|---|---|
| Catastrophic | 2 | $494 – $590 – $686 | $12,000 – $12,000 |
| Bronze | 3 | $566 – $618 – $783 | $11,750 – $12,000 |
| Expanded Bronze | 57 | $545 – $707 – $1,732 | $8,275 – $12,000 |
| Silver | 63 | $695 – $862 – $2,989 | $8,100 – $12,000 |
| Gold | 43 | $675 – $1,002 – $3,103 | $5,000 – $11,400 |
| Platinum | 11 | $1,136 – $2,709 – $4,084 | $4,025 – $7,750 |
Source: CMS Marketplace PY2027 QHP landscape (individual market, medical), county file . Accessed November 4, 2026. Monthly premium for a 40-year-old before any premium tax credit.
Median monthly premium by level (age 40, before the tax credit). The values are the ones in the table above.
Medicare in Osceola County
Medicare Advantage plans are sold county by county, so what is available in St. Cloud is what is available across Osceola County. The county guide carries the plan counts, premiums and out-of-pocket maximums, computed from the CMS landscape files.
Osceola County Medicare guide →
Service AreasAlso serving nearby
Each city has its own page with the same local guidance.
Common questions
Do you serve St. Cloud residents?
Yes. St. Cloud is in Osceola 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. Vivian Soto reviews your situation at no cost. Call or text (407) 777-5046.
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. Vivian Soto walks you through it at no cost, in English or Spanish. Call or text (407) 777-5046.
I live in St. Cloud but my doctor is in Kissimmee. Will my plan still work?
It might, but it has to be checked. Plans have a service area and a provider network, so before you enrol we confirm that your doctor and hospital are in-network for each plan available at your St. Cloud address. Vivian Soto does this with you at no cost.
Is my Medicare Advantage plan still offered in Osceola County for 2027?
Not always. Some plans do not return, and a plan that does return can change its network, its drug list and its out-of-pocket maximum. Your plan’s annual notice says what changes. Vivian Soto reviews it with you before the December 7 deadline, at no cost.
Can I get all of this help in Spanish in St. Cloud?
Yes. Eligibility, documents, plan comparisons and enrolment can all be handled in Spanish, and you can switch between English and Spanish on the same call, by phone, video or the booking calendar. Vivian Soto walks you through it at no cost.