Elsa Galicia-Lona
Health Insurance Marketplace Expert & Medicare Specialist
15+ years of expertise helping Florida residents and international clients with comprehensive insurance solutions. Specializing in Medicare Advantage, Health Insurance Marketplace, and International Health Insurance. Hablo Español!
Elsa's Expertise
About Elsa Galicia-Lona
Elsa Galicia-Lona brings over 15 years of comprehensive insurance experience, helping thousands of clients navigate Medicare, Health Insurance Marketplace, and International Health Insurance. Based in Florida and serving clients nationwide and internationally, Elsa has built a reputation for her multilingual expertise and deep understanding of diverse insurance needs.
Elsa's unique expertise spans Medicare Advantage plans, ACA Marketplace coverage with premium tax credits, and specialized International Health Insurance for expatriates and travelers. Her bilingual capabilities and cultural understanding make her especially valuable for diverse communities seeking comprehensive insurance solutions.
What sets Elsa apart is her global perspective, personalized approach, and fluency in Spanish. She understands that insurance needs vary greatly depending on location, lifestyle, and life circumstances. Whether you're retiring domestically, living abroad, or seeking marketplace coverage, Elsa provides clear guidance in both English and Spanish (¡Hablo Español!).
Professional Background
- • 15+ years comprehensive insurance experience
- • Licensed in Florida and 45+ states
- • Senior Insurance Specialist Certification
- • 3,800+ clients successfully enrolled
- • Fluent in English and Spanish
Client Results
- • Average savings: $2,200 per year
- • 97% client satisfaction rate
- • 88% client referral rate
- • International coverage expertise
Elsa's Insurance Specializations
Medicare Advantage
Expert guidance on Medicare Advantage plans, including HMO, PPO, and Special Needs Plans across all major carriers.
- • Plan comparison and selection
- • Network and formulary analysis
- • Special needs plan expertise
Health Insurance Marketplace
Comprehensive ACA Marketplace expertise including premium tax credits, subsidies, and cost-sharing reductions.
- • Premium tax credit optimization
- • Cost-sharing reduction benefits
- • Special enrollment periods
International Health Insurance
Specialized coverage for expatriates, international travelers, and those living or working abroad.
- • Expatriate health coverage
- • International travel insurance
- • Global health plan coordination
Florida Health Insurance Marketplace Expert
ACA Plans & Premium Tax Credits
As a certified Health Insurance Marketplace expert serving Florida residents, Elsa specializes in helping you find affordable health insurance through the ACA marketplace. She maximizes your premium tax credits and cost sharing reductions to ensure you get comprehensive coverage at the lowest possible cost.
- ✓Bronze plan health insurance - Budget-friendly options starting at $200/month
- ✓Silver plan health insurance - Most popular choice with cost-sharing reductions
- ✓Gold plan health insurance - Lower deductibles for frequent healthcare users
Marketplace Health Insurance Benefits
Florida Marketplace Savings (2025)
🎯 Free ACA Subsidy Calculator Available
Serving All Florida Counties
Miami-Dade • Broward • Palm Beach • Orange • Hillsborough • Pinellas • Duval • Lee • Polk • Brevard • And All 67 Counties
Client Success Stories
Medicare to ACA Transition
Early retiree, Age 62, Tampa, FL
Bridge coverage until Medicare eligibility
International Expat Coverage
American couple, living in Mexico
Comprehensive international health coverage
What Elsa's Clients Say
Carlos M.
Retired Engineer, Miami
"Elsa helped me navigate both Medicare and international coverage for our winter home in Costa Rica. Her bilingual service and expertise in both areas saved us thousands while ensuring complete coverage."
Lisa R.
Small Business Owner, Orlando
"When I lost my employer coverage, Elsa found me an ACA plan with tax credits that cost less than my previous premium. Her knowledge of the marketplace saved my business budget!"
Get Expert Insurance Guidance from Elsa
Get personalized insurance guidance from a specialist with 15+ years of experience across Medicare, Health Marketplace, and International coverage. No obligation, no pressure - just expert advice.
Get Personalized Insurance Guidance from Elsa
Schedule your free consultation with our Senior Insurance Specialist. Elsa will help you find the perfect Medicare, Health Marketplace, or International Health Insurance coverage for your needs.
Trusted by Florida Families
Real Florida Success Stories
Maria Rodriguez
Spring, TX
"Como madre soltera trabajando en un restaurante, nunca pensé que podría pagar un seguro de salud. El agente me explicó todo en español y ahora tengo cobertura completa por solo $25 al mes. Mi hija y yo finalmente tenemos la tranquilidad que necesitamos."
Uninsured single mother, restaurant worker
$25/month Silver plan with subsidies
Success Stories by Industry
"Como madre soltera trabajando en un restaurante, nunca pensé que podría pagar un seguro de salud. El agente me explicó t..."
"Working in the oil field, my income varies a lot. The Marketplace plan adjusted my subsidies when my income changed, and..."
"Trabajo en un hotel en Miami Beach y mi esposa es ama de casa. Con cuatro hijos, pensamos que nunca podríamos tener segu..."
"As a freelance web developer in Atlanta, I needed coverage that wouldn't break my budget. The Bronze plan gives me the p..."
"Trabajo como dealer en un casino y mi horario es de noche. Encontrar seguro médico que funcionara con mis propinas y hor..."
"My husband and I run a small farm outside Oklahoma City. We couldn't afford health insurance until we learned about the ..."
Trusted & Verified