31states
Licensed reachFrom Miami to wherever your family or team lives — one advisor across state lines.
★Independent advisor · Miami-based · Licensed in 31 states
Health insurance, handled like a concierge.
I’m Ryan Ruz — an independent advisor who compares plans across carriers and tailors coverage to how you actually live and work. Individuals, families and small businesses. One advisor, start to finish, no cost to you.
Let’s start with a call
An accurate quote depends on details a form can’t capture — your household, income, doctors and prescriptions. So the first step is a quick, free call where we go through it together. Ask for a call back, or book a time yourself.
Prefer to pick a time? Book directly on my calendar →
Services
Coverage for every chapter of life.
Whether you’re insuring yourself, your family or your team, the process is the same: understand what matters to you, compare honestly, and stay on call after you enroll.
01 — Flagship
Individual & family plans
ACA marketplace and off-exchange options compared side by side — premiums, deductibles, networks and the doctors and prescriptions you already rely on. I make sure you get every subsidy you qualify for.
Start with a free review →- Subsidy & tax-credit checks
- Doctor & Rx network matching
- Open & special enrollment
- Plan-by-plan cost breakdown
- Renewal reviews every year
- Help with claims questions
02
Small business groups
Group health benefits that help you hire and keep good people — sized for small teams.
- Group plan design
- Employer contribution strategy
- Employee enrollment support
03
Private plans
Off-exchange and alternative options for people who don’t fit the marketplace mold.
- Side-by-side vs. ACA
- Clear trade-offs, in writing
- Self-employed friendly
04
Life changes
New job, new baby, marriage, a move, or turning 26 — coverage that keeps up.
- Special enrollment periods
- Losing employer coverage
- Moving between states
05
Second opinions
Already insured? I’ll review what you have and tell you honestly whether it still fits.
- Coverage gap review
- Premium vs. usage check
- No pressure to switch
How it works
Four steps. Zero guesswork.
Most clients go from first call to enrolled in under a week — and keep the same advisor every year after.
01
Listen
A short call about your household or team, your doctors, prescriptions and budget.
02
Compare
I shop plans across carriers and narrow it to a few that genuinely fit.
03
Enroll
I walk you through the choice in plain English and handle the paperwork.
04
Stay covered
Claims questions, renewals and life changes — you text me, not a 1-800 number.
The approach
Independent means I work for you.
I’m not tied to one insurance company, so there’s no quota to fill and no plan I have to push. My job is to lay out your real options and help you choose with confidence — and my help costs you nothing.
Talk it through →- 01Tailored, not templated.Your plan is built around your doctors, prescriptions, budget and how often you actually use care.
- 02Many carriers, one conversation.I compare across companies so you don’t have to call five of them yourself.
- 03Plain English, in writing.Clear side-by-side comparisons of what each option really costs — premiums, deductibles and out-of-pocket max.
- 04The same advisor, every year.A real person who knows your file, checks in at renewal and picks up when you call.
Coverage reach
Based in Miami. Licensed in 31 states.
Consultations happen by phone or video, so wherever you are in the states below, you get the same personal service as a neighbor in South Florida.
31States licensed
2026Founded
100%Independent
Meet Ryan
A real person on the other end of the line.
I started Ryan Ruz Health Advising because buying health insurance shouldn’t feel like a maze built by the people selling it. As an independent advisor, I sit on your side of the table — comparing plans across carriers and helping you understand exactly what you’re paying for.
I work with individuals, growing families and small business owners in 31 states. Every client gets the same thing: honest advice, options tailored to their life, and an advisor who stays with them long after enrollment. For me, this work is personal: the right plan can be the difference between putting off care and getting it, and I want every client to leave our call knowing exactly what they have and why. I advise in English and Spanish — se habla español.
- LicenseHealth Insurance Agent
- NPN22264138
- Licensed in31 states
- Based inMiami, Florida
- SpecialtiesACA · Private · Small group
- LanguagesEnglish · Español
FAQ
Good questions, straight answers.
No. I’m paid by the insurance carrier when you enroll, and your premium is the same whether you buy through me or directly. You get personal guidance at no extra cost.
I’m not employed by any single insurance company. I can compare plans from multiple carriers and recommend whichever genuinely fits you best — not whichever one I’m told to sell.
Yes — I’m licensed in 31 states and work by phone and video. Check the coverage map above, or just reach out and I’ll confirm your state.
Often, yes. Life events like losing other coverage, moving, getting married or having a baby can open a Special Enrollment Period. There are also private plan options that may be available year-round. I’ll tell you what applies to your situation.
It depends on your household size, income and state. I’ll run the numbers with you on our first call so you know exactly what you’d pay before you choose anything.
Small group requirements vary by state and carrier, and some options start with very small teams. Tell me about your business and I’ll lay out what’s available to you.
I stay your advisor. Questions about a bill, a claim or a doctor’s network come to me, and I review your plan with you each renewal season.
Contact
Let’s find your right fit.
Send a note, call, or grab a time on my calendar. I personally reply to every message.
- Phone(305) 349-3287
- Emailryan.hadvisor@gmail.com
- Service areaMiami, FL · serving 31 states
- Book directlySchedule a consultation →