Licensed in 32 States

Health Coverage
You Can Actually
Understand.

I'm Wilson Montalvo III — an independent health insurance advisor dedicated to finding real coverage that fits your life and your budget. No confusing jargon. No pressure. Just honest guidance.

Get a Free Quote → How It Works
32
States Licensed
100%
Independent Advisor
$0
Cost to You
24hr
Coverage Turnaround
WM III INSURANCE
✓ ACA Marketplace Plans
✓ Short-Term Coverage
✓ Self-Employed Specialists
✓ Family & Individual Plans
✓ Same-Day Enrollment

Why Choose WM3

You deserve an advisor who
actually works for you.

As an independent advisor, I'm not tied to any single insurance company. That means I shop every available option to find what's right for you — not what pays me the most.

Most people avoid health insurance because it feels complicated and expensive. My job is to cut through that — explain your options in plain language, find plans that actually cover what matters, and get you enrolled fast.

Whether you're self-employed, between jobs, or just tired of overpaying — I'll find a solution that fits.

Call (845) 718-1341 →
Fully Independent
I work for you — not an insurance company. No quotas, no pressure.
Enrolled in 24 Hours
Most clients are covered within one business day. Fast and stress-free.
Licensed in 32 States
I can help you wherever you live or work — coast to coast.
No Cost to You
My advice and enrollment service are completely free to you.

Coverage Options

Plans for every situation.

Whether you're self-employed, a family, between jobs, or want better coverage — there's a plan that fits.

Individual
Coverage for yourself — self-employed, freelancer, or between employer plans.
  • ✓ACA Marketplace plans
  • ✓Short-term health plans
  • ✓Dental & vision add-ons
  • ✓Pre-existing condition coverage
  • ✓Subsidy eligibility check
Most Popular
Family
Comprehensive family coverage customized to your household's needs and budget.
  • ✓Spouse & dependent coverage
  • ✓Pediatric care included
  • ✓Maternity & newborn care
  • ✓Mental health benefits
  • ✓Prescription drug coverage
Small Business
Health benefits for your team — attract talent and keep employees covered.
  • ✓Group health plans
  • ✓Tax-advantaged options
  • ✓Employee enrollment support
  • ✓Flexible plan structures
  • ✓Annual plan review

How It Works

Covered in 4 simple steps.

From first call to active coverage — most clients are enrolled within 24 hours.

1
Free consultation
We talk through your situation, budget, and what coverage matters most to you.
2
Plan comparison
I shop every available option across all carriers and present the best fits clearly.
3
You choose
No pressure. You pick what feels right. I answer every question until you're confident.
4
You're covered
I handle enrollment from start to finish. Coverage active — often the same day.

Licensed States

Serving clients across 32 states.

Based in Miami Beach, FL — serving clients coast to coast.

Nevada
Utah
Wyoming
Montana
Colorado
South Dakota
Nebraska
Kansas
Oklahoma
Texas
Iowa
Missouri
Arkansas
Louisiana
Wisconsin
Illinois
Mississippi
Michigan
Indiana
Kentucky
Tennessee
Ohio
Alabama
Florida
Georgia
South Carolina
North Carolina
West Virginia
Virginia
Maryland
Delaware

Client Testimonials

What clients are saying.

Real stories from real people who found the coverage they needed.

★★★★★

"I had been uninsured for two years because I didn't know where to start. Wilson walked me through everything, found me a plan I could actually afford, and I was covered the next day. I had no idea it could be this easy."

C

Carlos M.

Self-employed · Florida

★★★★★

"Wilson saved my family a significant amount on our monthly premium. He compared multiple plans and explained each one in plain English. No pressure, no jargon — just honest, unbiased guidance."

M

Michelle T.

Family plan · Texas

★★★★★

"As a freelancer I always dreaded dealing with health insurance. Wilson made the whole process painless. I called him on a Monday and had my card by Wednesday. Genuinely impressive."

J

James R.

Freelancer · Georgia

★★★★★

"I switched to Wilson after my previous broker went months without returning calls. Night and day difference. He's responsive, knowledgeable, and actually cares about getting you the right plan."

A

Angela D.

Individual plan · Tennessee

★★★★★

"Wilson found me coverage with a lower deductible and better network than what I had before — at a lower monthly cost. I don't know how he does it but I'm genuinely grateful."

D

David K.

Individual plan · Ohio

Share your experience

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Get In Touch

Let's find the right plan for you.

Reach out for a free, no-pressure consultation. I'll explain your options clearly and find coverage that makes sense for your life.

Location
Miami Beach, FL — Licensed Nationwide