Bilingual insurance advice in Colombia and the United States
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U.S. insurance · in English or Spanish

Health and life insurance in the U.S., explained in your language.

We help you understand Obamacare and Medicare, check whether you qualify for help with your premium, and choose a plan with no fine print.

Talk to an advisor WhatsApp +1 786 867 4472
Licensed agent in [state] · NPN [number]
Key dates
15Oct
Medicare · annual enrollmentOpen nowOctober 15 to December 7. You can switch plans for next year.
1Nov
Obamacare · open enrollmentComing soonNovember 1 to January 15 on HealthCare.gov. Some states set their own dates.
The rest of the yearOnly after a life event: moving, getting married, having a baby or losing your job-based coverage.
Insurance in the United States

What do you need help with?

Product list to be confirmed
Obamacare (Marketplace) Health insurance for you and your family, with possible help paying based on your income. See Obamacare help → Medicare If you're 65 or older: which parts you need and which plan fits you. See Medicare help → Life insurance Term or permanent, to protect your family here or in Colombia. See life insurance → Visitors Medical coverage for your parents or relatives who come to visit. See visitor insurance →
Help with your premium

Many families pay less than they think

Depending on your income and household size, the government may pay part of your health insurance. We'll check whether you qualify before you choose a plan.

Check if I qualify
How many people are in your household?
We count the people on your tax return.
What is your yearly household income?
An estimate is enough to start.
What state and ZIP code do you live in?
Plans and prices change by area.
How we work

An advisor who speaks your language, from start to finish

  1. 1Tell us about your situation

    On WhatsApp or by phone, in English or Spanish.

  2. 2We compare plans

    We show you what each one covers, what you'd pay and which doctors are in network.

  3. 3We enroll you and stay with you

    Yearly renewal, income changes and questions about your plan.

Do your parents live in Colombia?Get them private health or life insurance there, managed from here.
See options in Colombia
Frequently asked questions

What people in the U.S. ask us most

Who can enroll in Obamacare?

You must live in the United States and be lawfully present. In mixed-status families, the members who qualify can apply.

When can I enroll in Medicare?

The first time, during the 7 months around your 65th birthday. If you already have Medicare, you can switch plans from October 15 to December 7.

Is there a fee for your advice?

No. Our advice is free and you only pay for the plan you choose.

Legal notice · text to be validated by compliance

We do not offer every plan available in your area. Currently we represent [number] organizations which offer [number] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Fenix4life is not connected with or endorsed by the United States government or the federal Medicare program.