Medicare Annual Enrollment
October 15 – December 7, 2026
Switch Medicare Advantage plans, Part D drug plans, or return to Original Medicare. Changes take effect January 1, 2027.
KISSIMMEE · OSCEOLA COUNTY · CENTRAL FLORIDA
The right plan,
explained by someone
on your side.
I’m Pamela Ortiz, a licensed Florida life and health agent and a U.S. veteran. I compare Medicare, Marketplace and life insurance options from the carriers I’m appointed with and help you enroll. At no cost to you.
A Veteran Now Serving The Community
YOUR AGENT. YOUR NEIGHBOR.Pamela OrtizLife & Health Agent · U.S. Veteran
↗2016Florida life insurance license
2022health insurance license added
17carriers appointed
Veteranof the United States Armed Forces
$0cost to work with an agent
Dates that matter
The enrollment windows are open now.
Outside these dates, changing plans takes a qualifying event. Inside them, you choose.
Marketplace Open Enrollment
November 1, 2026 – January 15, 2027
Health plans for people under 65 through HealthCare.gov. Enroll by December 15 for coverage that starts January 1.
Medicare Advantage Open Enrollment
January 1 – March 31, 2027
If you are already in a Medicare Advantage plan, you can make one change during this window.
Life Insurance & Annuities
Whenever you are ready
No deadlines. The best age to apply is the one you are today.
Medicare
Your doctors. Your prescriptions. Your budget. In that order.
Pamela reviews what you already have before recommending anything. She compares Medicare Advantage plans, Part D drug plans and Medicare Supplement policies from the carriers she works with, and explains the differences in plain language.
- Turning 65: your initial enrollment window and what to do first
- Medicare Advantage (Part C), with dental, vision and drug benefits
- Part D drug plans that cover your prescription list
- Medicare Supplement (Medigap) for the costs Original Medicare leaves to you
BEFORE DECEMBER 7
A 20-minute
plan review
can change your year.
Plans change every year: premiums, doctor networks and drug formularies. What worked in 2026 deserves a second look for 2027.
We do not offer every plan available in your area. Currently we represent 5 organizations which offer [number] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Health plans under 65
Coverage that fits your family and your income
Self-employed, small business owners, between jobs, families and early retirees: the Health Insurance Marketplace (HealthCare.gov) offers plans with premium tax credits based on household income. Pamela works out what you qualify for, compares the plans, and completes the enrollment with you.
- An income estimate. It sets the tax credit that lowers your monthly premium.
- Your doctors and prescriptions. To pick a network that includes them.
- A clear comparison. Premium, deductible and out-of-pocket maximum, side by side.
- Enrollment by December 15. So coverage starts January 1.
TYPES OF LIFE INSURANCE
Final expenseA small permanent policy that covers the funeral and the bills, so your family does not have to.
Term lifeThe most coverage for the least cost, for the years your family depends on your income.
Whole lifeLifetime coverage with cash value that builds over time.
AnnuitiesGuaranteed retirement income with carriers such as Athene, F&G and American Equity.
Life insurance
A promise that keeps when it matters most
Life insurance is the conversation most people put off. Pamela makes it simple: how much your family would need, which type of policy fits your age and budget, and which carrier offers the best rate for your situation.
- Quotes from multiple carriers, including Transamerica, United of Omaha, Foresters and Gerber
- No-medical-exam options for many applicants
- Policies for veterans and their families, from a veteran
- A free review of the policies you already own
Meet your agent
She served her country.
Now she serves her community.
Licensed Life & Health Agent · U.S. Veteran · Kissimmee, Florida
Pamela Ortiz is a veteran of the United States Armed Forces and a Florida-licensed agent: life insurance since 2016, health insurance since 2022. She founded Honors Life and Health Solutions in Kissimmee with one purpose: to sit with you, compare the options from the carriers she is appointed with, and help you choose a plan that fits your doctors, your prescriptions and your budget.
She serves Kissimmee, St. Cloud, Poinciana and Osceola County in person, and all of Florida by phone. Appointments can be at your kitchen table, a coffee shop, or over the phone, whichever you prefer.
Florida Insurance License W342368 · NPN 8845410 · Life & Health
Carriers
Appointed with 17 carriers. Committed to one person: you.
An independent agent compares across carriers instead of selling one. These are the companies Pamela is appointed with in Florida.
Medicare & health plans
- Aetna
- Humana
- Cigna
- HealthSun
- Oscar
- Care Improvement Plus
Life & final expense
- United of Omaha
- Transamerica
- Foresters
- Gerber
- Banner
- American General
Annuities & retirement
- Athene
- F&G
- North American
- American Equity
Dental
- Renaissance
Source: Florida Department of Financial Services license record, October 2026. Product availability varies by county.
How it works
Three steps. Zero cost.
1
Reach out
Call, text, or send the form. Pamela replies the same business day.
2
A 20-minute review
Your doctors, your prescriptions, your budget, and what you already have. Then a clear comparison of the options that fit.
3
Enroll with confidence
By phone or in person in Kissimmee. Pamela handles the paperwork and stays your agent after you enroll.
Agents are paid by the insurance company. You pay nothing extra for Pamela’s help, and your premium is the same as if you enrolled on your own.
COMMON QUESTIONS
What people
ask first.
If your question is not here, call or text. That is the fastest answer.
What does it cost to work with Pamela?
Nothing. Licensed agents are paid by the insurance company when you enroll. Your premium is the same with or without an agent.
Can I keep my doctor?
That is the first thing Pamela checks. Bring your doctors’ names and she confirms which plans include them before recommending one.
What do I need for the appointment?
For Medicare: your Medicare card, your prescription list and your doctors’ names. For a Marketplace plan: an estimate of your 2027 household income and Social Security numbers for everyone enrolling.
Can we do this in Spanish?
Tell us on the form. We will arrange the conversation in the language you are most comfortable in.
What if I missed the deadline?
Certain life changes (a move, losing coverage, marriage, a new baby, turning 65) open a special enrollment period. Ask Pamela before you assume you have to wait.
Let's talk
Tell me
what you need.
Share a few details and Pamela will reach out the same business day to set up a review, by phone or in person.
- Office407-967-1680
- Direct / text407-953-0214
- Emailhonorslifeandhealthsolutions@gmail.com
- HoursMonday to Friday, 9 AM to 5 PM. Texts after hours get a reply the next business day.
- ServingKissimmee, St. Cloud, Poinciana and Osceola County in person; all of Florida by phone