I'm Wilson Montalvo III — an independent health insurance advisor based in Miami Beach, FL. I work for you, not the insurance company. No jargon, no pressure, zero cost to you.
32
States Licensed
24h
Coverage Possible
$0
Cost to You
100%
Independent
✓ Licensed in 32 States
✓ Free Consultation
✓ No Cost to You
✓ Same-Day Coverage Available
✓ Miami Beach, FL
Why Choose WM3
An advisor who actually works for you.
As an independent advisor I'm not tied to any single carrier. I compare plans across multiple insurance companies and find what genuinely fits your life and budget.
Zero cost to you — ever
I'm paid by the insurance carrier, never by you. My advice is always free, always unbiased.
Coverage in as little as 24 hours
From your first call to your insurance card — most clients are fully covered within one business day.
Plain English — no jargon
I explain every plan option in clear, simple language. You'll understand exactly what you're signing up for.
Multiple carriers compared
I shop across carriers to find the plan that fits your health needs, your doctors, and your budget.
How It Works
Getting covered is simpler than you think.
Four steps from your first call to your insurance card in hand.
1
Free Consultation
We talk through your needs, budget, and health situation. Zero obligation, zero cost.
2
I Shop for You
I compare plans across multiple carriers and bring you the best options for your specific situation.
3
You Choose
I explain each option in plain English. You make the decision. No pressure, no rush.
4
You're Covered
I handle the enrollment. Most clients have their coverage confirmed the same day.
32
States
Health Insurance Advisor
Wilson Montalvo III
Independent Advisor · Miami Beach, FL · Licensed in 32 States
I'm not your typical insurance agent. I don't work for an insurance company — I work for you. My job is to find you the best coverage at the best price, explain it in plain English, and make the process as simple as possible.
Based in Miami Beach, FL, I serve clients across 32 states — from individuals and families to the self-employed and small business owners who need real coverage without the runaround.
Licensed · 32 StatesIndependent AdvisorMiami Beach, FL$0 Cost to YouBNI Member · Coconut Grove
My Story
I grew up understanding that health coverage is one of the most important financial decisions a person makes — and that most people are either underinsured, overpaying, or completely confused about what they actually have. That reality is what drove me into this work.
I built WM3 Insurance on a simple principle: be the advisor I wish my family had. Someone who actually explains your options, doesn't rush you toward the most expensive plan, and stays available after the sale. Someone who treats your health like it matters — because it does.
Today I'm licensed in 32 states and serve clients from all walks of life — freelancers, small business owners, families, people between jobs, people who've never had insurance and don't know where to start. Every consultation is free. Every recommendation is honest. Every client gets the same level of care.
When I'm not working I'm building a second business here in South Florida, training six days a week, and living the kind of life that makes me genuinely motivated to help other people protect theirs.
My Why
Health insurance should not be a privilege. It should not require a PhD to understand. And finding the right plan should not cost you anything out of pocket — which is why my consultations are always free and I'm paid directly by the carrier, never by you.
I've seen what happens to families when they're underinsured. I've seen the financial devastation of a medical event hitting someone who thought they were covered. That stays with me in every conversation I have with a client.
My why is simple: nobody should have to navigate health insurance alone. I do this work because I genuinely believe that one honest conversation — one person who takes the time to explain your options clearly — can change the entire trajectory of a family's financial health.
That's what I show up to do every single day. If you're uninsured, overpaying, or just confused — call me. The conversation is free. The guidance is real. And I'll be with you every step of the way.
What I Stand For
The values behind every conversation.
🤝
Honesty First
I'll tell you what's best for you even when it's not the most expensive plan. Your trust means more than a commission.
💡
Plain Language
No insurance jargon. No confusing fine print. I explain everything in plain English until you feel confident.
⚡
Speed
Most clients are covered within 24 hours. I move fast because life doesn't wait and neither should your health coverage.
🛡️
Independence
I'm not tied to any single carrier. I shop the market and bring you the best options without bias or pressure.
Ready to get covered?
Free consultation. Zero pressure. Same-day coverage possible.
"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 health insurance. Wilson made the whole process painless. I called 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 — at a lower monthly cost. I don't know how he does it but I'm genuinely grateful."
D
David K.
Individual plan · Ohio
Had a great experience?
Your Google review helps other people find the coverage they need. It takes 60 seconds and means everything.
Free consultation. Licensed in 32 states. Coverage possible same day.
Coverage Options
Plans for every situation.
Whether you're self-employed, between jobs, starting a family, or just tired of overpaying — I'll find a plan that actually fits your life.
Who I Help
Coverage built around your life.
👤
Individual Plans
Flexible coverage for every stage of life. Whether you're healthy and just want protection or managing a condition.
✓Multiple carrier options compared
✓Deductible and premium balance
✓Network verification for your doctors
✓Prescription coverage review
Most Popular
👨👩👧👦
Family Plans
Protect everyone who matters most. I find plans that cover your whole family without breaking the budget.
✓All family members on one plan
✓Pediatric coverage included
✓Maternity and newborn options
✓Dental & vision add-on options
💼
Self-Employed
Specifically designed for entrepreneurs, freelancers, and 1099 workers who need real coverage without employer backing.
✓Tax-advantaged plan options
✓HSA-compatible plans available
✓Flexible coverage amounts
✓Short-term bridge options
⏱️
Short-Term Coverage
Bridge coverage for gaps between jobs, during waiting periods, or while exploring longer-term options.
✓Coverage starts quickly
✓Flexible term lengths
✓Lower monthly premiums
➕
Supplemental Plans
Dental, vision, accident, and critical illness coverage to complement your primary plan.
✓Dental & vision bundles
✓Accident and disability
✓Critical illness riders
🤔
Not Sure Yet?
That's completely fine. Most clients don't know which plan type they need before we talk. That's what the free consultation is for.
✓No commitment required
✓I explain all your options
✓Zero cost for consultation
Common Questions
Things people always ask.
Do I really pay nothing for your service? +
Yes — completely true. I'm paid a commission directly by the insurance carrier when you enroll in a plan. That commission doesn't affect your premium in any way. My service is free to you whether you enroll or not.
How fast can I get covered? +
For most plans, coverage can begin as early as the next day after enrollment. The entire process from our first conversation to your enrollment confirmation typically takes under 24 hours for straightforward situations.
What if I have a pre-existing condition? +
Under ACA-compliant plans, insurance companies cannot deny coverage or charge more based on pre-existing conditions. I work with multiple carriers and know which plans have the strongest networks for specific health needs.
What states do you serve? +
I'm currently licensed in 32 states including Florida, Texas, Georgia, Tennessee, Ohio, Virginia, Maryland, North Carolina, South Carolina, and many more. Click the States tab in the navigation to see the full list.
Can you help me if I'm self-employed or a freelancer? +
Absolutely — this is one of my most common client types. Self-employed individuals and 1099 workers have unique coverage needs and often qualify for plans that are more affordable than they expect. I specialize in finding coverage that works for your income structure.
How is an independent advisor different from going directly to an insurance company? +
Going directly to a carrier means you only see their plans. As an independent advisor I compare options across multiple carriers — which means you see a wider range of plans at better price points. My incentive is to find you the best fit, not to sell you a specific carrier's product.
32
States Licensed.
From Miami Beach to the Mountain West — wherever you are, I can help you find health coverage that works.
Licensed Coverage Area
Find your state below.
All 32 states where I'm actively licensed and serving clients. Don't see your state? Reach out — I'm actively expanding.
ALAlabama
ARArkansas
COColorado
DEDelaware
FLFlorida
GAGeorgia
IAIowa
ILIllinois
INIndiana
KSKansas
KYKentucky
LALouisiana
MDMaryland
MIMichigan
MOMissouri
MSMississippi
MTMontana
NCN. Carolina
NENebraska
NVNevada
OHOhio
OKOklahoma
SCS. Carolina
SDS. Dakota
TNTennessee
TXTexas
UTUtah
VAVirginia
WIWisconsin
WVW. Virginia
WYWyoming
AL+ Growing
Don't see your state?
I'm actively working on expanding my licenses. Reach out and I'll let you know my timeline for your state — or help you find a trusted advisor in the meantime.
Coverage by Region
Serving clients coast to coast.
Southeast
Alabama · Arkansas · Florida · Georgia · Kentucky · Louisiana · Mississippi · North Carolina · South Carolina · Tennessee · West Virginia
Real answers to the questions people are afraid to ask. No jargon, no sales pitch — just information you can actually use.
Featured Article
Self-Employed Guide
The Complete Guide to Health Insurance for Freelancers & 1099 Workers
If you've recently gone independent or you've been self-employed for years and still don't fully understand your health coverage options — this guide is for you. We cover everything from ACA marketplace plans to HSAs to what "deductible" actually means in plain English.
💼
All Articles
What you need to know.
Cost & Value
Why You're Probably Overpaying for Health Insurance Right Now
Most people renew the same plan every year without comparing. Here's why that almost always costs you more than it should — and what to do about it.
Insurance Basics
Understanding Your Plan
Deductible vs. Premium: What Actually Matters for Your Budget
The relationship between your monthly premium and your deductible is the single most important thing to understand when choosing a plan. Here's the simple breakdown.
Plan Education
Enrollment
Open Enrollment Is Coming: What You Need to Do Before It Closes
Missing open enrollment means going without coverage or being locked into whatever you had before. Here's your checklist to make sure you don't miss the window.
Enrollment Guide
Life Changes
Lost Your Job? Here's Exactly What to Do About Health Insurance
Losing employer-sponsored coverage is stressful. But you have more options than you think — and a 60-day window to act. Here's a clear step-by-step path forward.
Life Events
Family Coverage
Having a Baby? How to Add a Newborn to Your Health Plan
A new baby triggers a Special Enrollment Period. Here's exactly what to do, how fast you need to act, and what to look for in a family plan.
Family Guide
Tax Strategy
HSA Accounts: The Most Underused Tax Advantage in Health Insurance
A Health Savings Account lets you pay for medical expenses with pre-tax dollars — triple tax advantaged. If you're self-employed and not using one, you're leaving money on the table.
Tax & Savings
Questions about any of this?
I'm happy to walk through any of these topics personally. Free, no pressure, no obligation.
Free Consultation
Let's find the right plan for you.
No jargon. No pressure. Zero cost. Just an honest conversation about your options.
