This is a private agent's site. It is not HealthCare.gov or any government agency.

Sebastian Midtvaage · Licensed Florida insurance agent · Coverage for every situation

Insurance should feel like magic.

Self-employed, between jobs, starting a family or just paying too much: I find coverage that fits your situation. A real, licensed agent, not a call center. On one short call I share my screen, show you the plans you qualify for, and explain them in plain English. You decide.

Schedule a call or email me directly

FL license G136881 · NPN 21241061 · Look up my license
Registered with the Health Insurance Marketplace for plan year 2027

Sebastian Midtvaage, licensed health insurance agent

How the call works

1

We talk

Who needs coverage, your budget, your doctors and what matters most to you.

2

I share my screen

You see the real plan details yourself, side by side, not a sales pitch read off a script.

3

You decide

If a plan fits, we apply together on the same call. If not, there's no obligation.

What I help with

My specialty · Private health plans

Private health plans sold outside the Marketplace. For many people, especially those who don't get a large subsidy, they can cost less each month. I'll show you whether one fits you.

Private plans are not ACA plans. They are medically underwritten, so your health history can affect whether you're approved and what you pay, and they may not cover everything an ACA plan covers. No subsidy applies.
Also offered · Marketplace (ACA) plans

If an ACA plan is the better fit, I can help with that too.

  • Checking whether you qualify for a subsidy (premium tax credit)
  • Comparing plans, networks and costs
  • Applying with you, with your consent on record

Coverage for every situation

Short-term coverage

Between jobs, waiting on employer coverage, or missed Open Enrollment. Short-term plans are private plans, so the note above applies.

Hospital, accident and critical illness

Plans that pay you cash if you're hospitalized, hurt or diagnosed, to help with deductibles and bills. They add to health coverage; they don't replace it.

Dental, vision and life

Cleanings, glasses and a policy that protects your family, added on the same call.

What it costs you

Nothing to work with me. The insurance company pays my commission. There's no fee for the call and no obligation to buy.

Who you'll hear from

Olivia, my assistant, handles scheduling. She isn't a licensed agent, so plan advice and enrollment come only from me. If you'd rather deal with me directly, just ask for Sebastian.

Ready when you are.

Tell me your situation and I'll walk you through every option that fits, on one call.

Schedule a call