Irma Ramos · Licensed Health & Medicare Agent · Florida
I help Florida families and Medicare beneficiaries compare plans, apply for savings, and enroll with confidence — in English or Spanish, at no cost to you.
What I can help you with
Health coverage for families, self-employed workers, and anyone without job-based insurance. I compare plans from Florida's leading Marketplace carriers and check whether you qualify for extra help towards your monthly insurance cost.
Turning 65, new to Medicare, or reviewing your options? I'll walk you through Parts A, B, C and D in plain language and help you compare the Medicare plan options available in your county.
My help doesn't end when you enroll. Renewals, income or address changes, replacing ID cards, understanding a bill — call your agent, not a call center.
Irma Ramos
Licensed Agent · Deerfield Beach, FL
Meet your agent
I'm Irma Ramos Peraza, a Florida-licensed health and life insurance agent (license G103351) based in Deerfield Beach and working with the MLC Insurance Agency family. I help households across Florida navigate the Health Insurance Marketplace and Medicare — in English and in Spanish.
Health insurance is full of fine print, deadlines and acronyms. My job is to translate all of it, compare the options available where you live, and make sure you never have to face an enrollment form alone.
“Every family deserves to understand exactly what their coverage does for them — in the language they think in.”
— Irma Ramos
Simple, honest process
A relaxed 15-minute call about your household, your budget, your doctors and your prescriptions. No jargon, no obligation.
I shop the plans available in your county, check what savings you may qualify for, and bring you the options that actually fit — explained side by side.
I handle the application and paperwork with you, and I stay your agent all year — for renewals, changes and questions.
Learn before you choose
Short official videos from HealthCare.gov and Medicare that explain the basics — then call me and we'll apply it to your family.
Good questions
No. My help is free to you — licensed agents are paid by the insurance companies, and your monthly premium is the same whether you enroll with an agent or on your own. The difference is that with me, you have someone in your corner.
Open Enrollment for Marketplace plans runs November 1 through January 15 in Florida. Outside those dates, life events like moving, losing job coverage, getting married or having a baby can open a Special Enrollment Period. Medicare has its own windows — including your Initial Enrollment Period around your 65th birthday and the Annual Enrollment Period October 15 – December 7.
Many Florida families qualify for extra help towards their monthly insurance cost, depending on household size and income. When we talk, I'll run your numbers and tell you honestly what you may qualify for — savings are never guaranteed until the Marketplace confirms them.
Usually: your household's income estimate for the year, dates of birth, Social Security numbers or immigration documents for those applying, and your doctors and medications so we can check networks. I'll walk you through the list on our first call.
¡Sí! I serve my clients fully in Spanish or English — your choice, from the first call to every renewal.
Let's talk
Tell me a little about what you need and when to call you. I'll personally call you back — usually the same business day.
