Why work with Elena?

You will be working with a licensed agent who takes a step back to view the full picture of each client’s unique situation to better advise on plan options. This process will allow for the ideal result: find a health insurance plan that makes sense for every client. Even if it's not with a plan that benefits her. Above all else, Elena is here to advise with integrity.

Once you are a client of Elena’s, she will be your dedicated agent through the life of the policy. Meaning if you have a issue, concern, or question, she is there to help answer any questions and find a solution.

Who does Elena help?

Under 65:

• Self-Employed/1099

• Small Business Owners

• Employee with an employer that doesn’t contribute towards family/ spouse premiums

• Between employment

• Early Retirement- not yet 65

I just lost my job. Is COBRA my only option?

There are a few things we need to consider. In most cases, COBRA is not the right choice because the private market or ACA (Obamacare, Marketplace, etc.) will be more cost-effective. However, there are cases where it's best as a short-term solution, like if anyone has ongoing treatment or the out-of-pocket maximum has already been met.

What does it cost to work with Torres and Co?

FREE! The consultation is totally free. You pay the insurance company your monthly premiums. Then the insurance companies pay Elena.

How long does the process take?

The initial consultation will take about 15 minutes to gather information for quotes.

Finding plans can either be straightforward and found within minutes or it can take up to a day to do research with the market for the best plans available.

Submitting an application with Elena’s help will take about 15-20 minutes. The appointment link is set for 30 minutes to give time for any additional questions.