Which Health Coverage Option Fits You Best?
Both ACA/Marketplace and Private Insurance have their advantages. Here’s a simple breakdown to help you see the difference.
Health Insurance Made Simple
I’m Gabriela, your bilingual health insurance advisor. Let’s find the right coverage for your needs — whether Marketplace or Private.
Why Work With Gabriela
Why Clients Trust Coverage by Gabriela
Personalized Guidance
Every client is different. I take the time to understand your unique health, budget, and family situation before recommending a plan. No cookie-cutter solutions — just coverage tailored to you.
Bilingual Support
Clear communication is key when choosing insurance. Whether you’re most comfortable in English or Spanish, I’ll guide you step by step so you fully understand your options.
Licensed in 32 States
As a licensed advisor across 31 states, I bring expertise in both ACA Marketplace and Private Insurance options. No matter where you are, you can count on my experience and support.
Marketplace (ACA/Obamacare)
Marketplace plans were created to make healthcare accessible for everyone — especially those with pre-existing conditions or lower income levels. They often provide financial help through tax credits or subsidies, which can lower your monthly premium.
- Accepts all pre-existing conditions
- Subsidies available based on income & household size.
- In-state coverage with HMO or EPO networks
- Preventive care and essential health benefits included
Private Insurance Plans
Private plans are a strong alternative if you don’t qualify for subsidies. They can often be more affordable and offer more flexibility — especially for healthy individuals, self-employed professionals, or families looking for customizable options.
- Often lower monthly cost without subsidies
- PPO networks (see doctors in or out of state)
- May include health-based discounts
- Flexible options for self-employed or small businesses
What My Clients Say
Here’s what people I’ve worked with have to say about their experience.
Gabriela was patient, kind, and accommodating. She took the time to walk me through my options and answer any questions I may have (and then some). She was focused on helping me narrow down and find a plan that was right for me and my needs—truly great.
Jae S.
Gabriela was extremely helpful when finding insurance! I had talked to 10 different people before her and I felt like she really cared about getting me the correct coverage! 10/10 recommend her!
Ashley P.
Gabriela is so nice and professional! Gabriela explained things so well, even I could understand it. She took time to break down things I didn't understand and answered all of my questions. I can't say enough nice things about her, she's the best!
Cody G.
I never felt rushed or confused—she explained everything clearly and answered all my questions with care. I spoke to several advisors before her, and none came close to the level of service she provided. If you’re looking for someone who genuinely cares and makes things easy, Gabriela is the one. Highly recommend 10/10!
Jia T.
Meet Gabriela
I’m Gabriela Mendoza Cadavid, a licensed health insurance advisor committed to making coverage simple and stress-free. With Colombian roots and a bilingual background, I understand the importance of clear communication and genuine care. My mission is to guide individuals, families, and self-employed professionals toward health plans that truly fit their needs.
Licensed advisor in 31 states
Specialized in ACA/Marketplace and Private Insurance
Bilingual: English & Spanish
When you work with me, you’re not just choosing a plan — you’re gaining a partner who’s here to help you every step of the way.
Ready to find the health insurance plan that truly fits you?
Let’s compare your options together — Marketplace or Private — so you can feel confident and covered.
© Coverage By Gabriela. 2025