Licensed in 18 States  ·  Free Consultations  ·  Call or Text (970) 373-2378
Independent Insurance Advisor

Private Health & Medicare Strategy, Structured with Precision

Independent guidance for private health coverage and Medicare planning, delivered with clarity and discipline. No pressure, no confusion — just structured comparisons aligned with your needs and budget.

Licensed in 18 states
Independent broker
Free consultations
Provider network review
18
States Licensed
$0
Consultation Fee
4
Coverage Lines
Year-Round
Enrollment Available
What We Offer

Coverage Strategy for Every Stage

Structured, transparent guidance across private health, ACA marketplace, Medicare, and life insurance — tailored to your specific situation, not a one-size-fits-all approach.

Private health insurance for families
Service One

Private Health Insurance

  • Off-market private plan options
  • PPO access when available
  • Structured comparisons
  • Budget-aligned strategies
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Medicare planning for retirees
Service Two

Medicare Planning

  • Advantage & Supplement comparisons
  • Prescription review
  • Provider network review
  • Enrollment timing guidance
Explore Medicare
Life insurance and ACA marketplace
Service Three

ACA & Life Insurance

  • Marketplace plan guidance
  • Subsidy eligibility review
  • Term life insurance
  • Permanent life solutions
Explore Other Services
Our Process

How It Works

Four simple steps to clarity and confident coverage.

1

Schedule

Book a convenient time for your consultation call.

2

Assess

We review your needs, budget, and provider preferences.

3

Compare

Receive structured plan comparisons with clear breakdowns.

4

Implement

Enroll with confidence in your chosen coverage.

Our Standard

Clarity Over Confusion

SJZ Capital LLC simplifies complex coverage decisions and provides structured comparisons without pressure. Our independent guidance ensures you understand your options clearly and make informed decisions aligned with your needs and budget.

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Client Stories

What Our Clients Say

Real feedback from individuals and families working with SJZ Capital LLC.

★★★★★

Sebastian walked me through every option side-by-side — no pressure, no jargon. I finally understood the difference between marketplace and private plans, and ended up with better coverage at a lower premium.

Self-Employed Client

Private Health Insurance

★★★★★

Turning 65 felt overwhelming until I met Sebastian. He explained Medicare Advantage vs. Supplement clearly, verified my doctors were in-network, and made sure my prescriptions were covered before I signed anything.

Medicare Client

Medicare Planning

★★★★★

What I appreciated most was the structured approach. Every recommendation came with a clear comparison — deductibles, networks, drug coverage. I knew exactly what I was buying and why.

Family Client

SJZ Capital LLC

FAQ

Frequently Asked Questions

No. Initial consultations are complimentary. Our goal is to provide clarity and help you make an informed decision.

Yes. We review both ACA marketplace plans and private insurance options.

Depending on your budget, health profile, and potential subsidy eligibility, we evaluate all available paths to determine which structure provides the strongest overall protection and value.

Every recommendation is tailored to your specific situation — not a one-size-fits-all approach.

Yes. Provider network review is a core part of our process. We verify your preferred doctors accept the plans we recommend.
Coverage start dates depend on plan type and enrollment timing. Most private plans can begin the first of the following month.
Have your current coverage details, prescription list, and preferred providers ready. This helps us provide accurate comparisons.
We serve clients across 18 states: CO, TX, AZ, KY, NC, SC, OH, MI, MS, MO, NE, AL, TN, OK, WI, WY, NV, and NJ. Contact us to confirm availability in your specific location.

Ready for Structured Coverage Guidance?

Schedule a complimentary consultation with Sebastian Zito and get clear, independent recommendations for your specific situation.

Schedule a Consultation