Medical for Individuals & Families
Compare health plans, including Marketplace options, see what financial help you may qualify for, and match coverage to your doctors, prescriptions and budget.
Licensed Health Insurance Advisor
Health coverage, explained the way it should be.
I’m Karla Hernandez. I help individuals, families and small business owners compare medical, life, dental and vision coverage, understand what they’re really paying for, and choose with confidence. No jargon, no pressure, and no fee for my guidance.
- Licensed advisorNational Producer #21039849
- Free, no-pressureconsultations
- BilingualEnglish & Español
Karla Hernandez
Recoder Health Solutions
Now booking free consultations
Coverage
Find the plan that fits your life.
Every situation is different. Here’s where I can help. Not sure which one is you? That’s what the free call is for.
Small Business & Self‑Employed
Want to offer your team real benefits, or cover just yourself, without the headache? I’ll walk you through small-group and owner-only options and what fits your budget.
Life Insurance
Protection sized to your household and your budget, so the people who depend on you are taken care of.
Dental & Vision
Preventive and full dental coverage, plus vision for exams, lenses and frames, built to pair with your medical plan.
Life Changes & Plan Reviews
New job, marriage, a move or lost coverage can open a Special Enrollment window. And before your plan auto-renews, I’ll check that the cost and fit still make sense.
Not sure where you fit?
Tell me about your situation and I’ll point you to the right options. It’s free, and there’s no obligation.
Book a free call
Licensed Health Insurance Advisor
National Producer #21039849
About Karla
Insurance is personal. So is the way I work.
Choosing health coverage can feel like decoding a foreign language: networks, deductibles, formularies, enrollment windows. I’m Karla Hernandez, a licensed health insurance advisor and National Producer, and my job is to translate.
And I’m bilingual. Hablo español, and I’m happy to work with you and your whole family in English or Spanish, so you can ask your questions in the language you’re most comfortable with.
I take the time to learn about you: your doctors, your prescriptions, your budget and what matters most. Then I lay out your options side by side, honestly and without pressure. And I’m not a one-and-done: when you have a question about a claim, a renewal or a life change, you can reach out and I’ll help.
Who I help
- Individuals & families
- Spanish-speaking families
- Self-employed & freelancers
- Small business owners
- Early retirees
- Between jobs
- Lost coverage
- Plain English, alwaysNo jargon, no pressure. If I use an insurance term, I’ll explain it.
- Built around youYour doctors, prescriptions and budget lead the conversation, not a sales script.
- Here after you enrollQuestions about a claim, renewal or life change? Reach out and I’ll help.
How it works
Three simple steps to covered.
Working with a licensed advisor doesn’t add to the cost of your plan, and your first consultation is free.
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1
Book a free call
Pick a time that works for you, or give me a call. Tell me about your health needs, your doctors and your budget.
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2
Compare your options
I’ll lay plans out side by side (premiums, deductibles, networks and drugs) and explain the trade-offs honestly.
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3
Enroll with confidence
Once you’ve chosen, I’ll help with the application, and I’m here for questions at renewal, claims and life changes.
Know your windows
You can’t enroll just any time. Here’s when you can.
Marketplace
Begins Nov 1
Open Enrollment for individual & family plans. Deadlines vary by state and year, so it pays to book early.
Life changes
Special Enrollment
Losing coverage, moving, marriage or a new baby can open a window, typically about 60 days. Ask me what applies.
Small business
Often year-round
Employers can typically start group coverage outside Open Enrollment. Let’s see what fits your team.
Before renewal
Plan review
Auto-renewal isn’t always your best fit. Let’s check cost and coverage before your plan renews.
FAQ
Good questions, straight answers.
Don’t see yours? Call, email or send me a message and I’ll get back to you.
Ask a questionDoes it cost anything to work with you?
No. Your consultation is free, and you never pay a fee for my guidance. Agents are typically compensated by the insurance carrier when you enroll, and working with an advisor doesn’t add to the price of your plan.
Do you speak Spanish?
Yes. I’m bilingual and happy to work with you in English or Spanish. Use the EN / ES switch at the top of the page to read this site in either language, and just tell me which you prefer when we talk.
What should I have ready for our call?
It helps to know your state, who needs coverage, your doctors and any prescriptions you take, and your estimated household income if you’re shopping Marketplace plans. Don’t worry if you don’t have everything. We’ll sort it out together.
Can I keep my doctors and medications?
That’s the first thing we check. Every plan has its own provider network and drug list (called a formulary), so I compare your doctors and prescriptions against each plan you’re considering before you choose.
When can I enroll in a plan?
Most people enroll during Open Enrollment, which for Marketplace plans begins Nov 1. Outside that window you may still qualify for a Special Enrollment Period after a life event such as losing coverage, moving, getting married or having a baby, and small businesses can often start group coverage outside Open Enrollment. Book a call and I’ll tell you which window applies to you.
I lost my coverage or my situation changed. Now what?
Reach out as soon as it happens. A job change, a move, marriage, a new baby or losing coverage can open a Special Enrollment Period, typically about 60 days from the event, and I’ll make sure we don’t miss your window.
Can you help my small business?
Yes. I help owners understand their options, from small teams to owner-only setups, and what fits their budget. Book a call and we’ll look at what makes sense for your business.
Let’s talk
Ready for coverage that actually fits?
Choose a time that works for you, or send me a note. Either way, there’s no cost and no pressure.