Health Insurance Navigator

Daniel Cruz spent years as a health insurance broker watching people make terrible decisions during Open Enrollment because they didn't understand their options. In 2021, he launched Health Insurance Navigator to create the resource he wished existed - clear explanations of deductibles, out-of-pocket maximums, HSAs, and how to actually choose a plan. His content peaked during Open Enrollment season but provided year-round value with content about using health insurance, appealing denied claims, and maximizing benefits. He explained complex topics like mental health parity, preventive care requirements, and network adequacy. The channel positioned him as the go-to expert for individuals and small businesses navigating health insurance. His brokerage grew significantly, but more importantly, he built a consulting practice helping small businesses design benefits packages.