Health insurance, finally explained.
Bilingual, independent, and built around your life — not ours.
ZenMed Advisors is a Colorado-based bilingual insurance agency helping you make confident decisions about Medicare, ACA, small-business coverage, and international health plans for life abroad. No pressure. No jargon. No surprises.
Book a free 15-minute call Or download a free guide — no email pitch, we promise
SECURING FUTURES
WHO WE ARE
ZenMed Advisors was co-founded by Floribel Merced and Berenice Suarez — two bilingual, licensed insurance agents who believe choosing a health plan should feel calm, not chaotic.
Between us, we've spent over 25 years helping families, retirees, expats, and small business owners get coverage that fits their real lives. We work in English and Spanish, and we treat every conversation as a conversation — not a sales call.
WHAT WE DO
Who we help
We focus on four areas. We do them well, and we say no to the rest.
🩺 Medicare (turning 65 or already enrolled) We help you understand Original Medicare, compare Advantage and Medigap plans, choose Part D coverage, and stay on top of enrollment windows so you never get caught off guard.
👨👩👧 Individual & Family Health (ACA) Whether you're self-employed, between jobs, or just navigating a life change, we help you find a Connect for Health Colorado plan that fits your budget — and we check whether you qualify for premium subsidies you didn't know existed.
💼 Small Business Health (ICHRA & Group Plans) For business owners with 2–50 employees: we help you offer real health benefits without the cost or complexity of traditional group plans. ICHRA might be the most underused tool in small-business coverage — let us show you why.
🌎 Expats in Latin America Living in Colombia, Mexico, or elsewhere in Latin America? Your U.S. plan probably doesn't follow you. We help American expats find international health coverage that actually works where you live — and we speak the language on both sides of the border.
Explore Expat Coverage →
WHY US
Why people choose ZenMed Advisors
Bilingual, both languages, equally. Not "Spanish-friendly." Spanish-fluent, in writing and in conversation. Half our clients prefer Spanish — we built the practice that way.
Independent. We're not captive to any one insurance company. We compare carriers on your behalf and recommend what actually fits you. Our services are free to you — carriers compensate us when you enroll.
Calm, not pushy. You'll never be rushed. You'll never get a follow-up call you didn't agree to. If now isn't the right time, we'll send you a free guide and check back when you tell us to.
Built around real life. We're a small, family-run agency. We understand caregiving, language barriers, life transitions, and the feeling of being handed a 47-page Medicare booklet at 2 AM. We built ZenMed Advisors to be the opposite of that.
HOW IT WORKS
1. Book a free 15-minute call. Or grab a free guide and decide later. No commitment, no script.
2. We listen first. You tell us your situation, your concerns, and your timing. We listen. Then we explain your options in plain language.
3. You decide. We handle the paperwork. If you choose to enroll, we manage the application, the carrier coordination, and the follow-up. You get back to your life.
What sets ZenMed Advisors apart is our calm, client-centered approach that focuses on education, transparency, and tailored solutions - without pressure.
We empower our clients to make confident decisions for every stage of life, offering guidance in both English and Spanish to serve our diverse community.
Here is Floribel with her Mom! She used to go with her to the Educational Events.
¡Hablamos Español!
