WELCOME TO VIVNA INSURANCE
Where Life & Healthcare Cross Paths
Vivna Insurance helps individuals, families, and small businesses secure affordable health, life, supplemental, and dental and vision coverage. In addition, our licensed agents take time to review your needs, compare available options, and clearly explain coverage choices so you can make informed decisions with confidence.




Why Choose Vivna Insurance
Vivna Insurance provides personalized guidance across health, life, dental, vision, and supplemental coverage, helping individuals and families choose plans that truly fit their needs. 🤝
Because Vivna is licensed nationwide and appointed with major carriers, clients gain access to multiple options with expert support every step of the way. 🌎📋
Personalized Support
Our team takes the time to understand your doctors, budget, and coverage goals so we can recommend the plans that work best for you.
Nationwide Coverage
Whether you’re looking for local options or nationwide plans, Vivna helps you explore a wide range of insurance choices in your state.
Choose Your Carrier
We work with trusted carriers including UnitedHealthcare, Pivot Health, Oscar, Aflac, and others to provide competitive plan options.
Clear, Simple Guidance
We walk you through every step—from comparing plans to selecting coverage—so you always feel confident in your choice.
Testimonials From Our Clients
Our clients trust Vivna Insurance because we focus on clear guidance, honest advice, and helping people choose coverage that truly fits their needs. ⭐
From first-time buyers to families reviewing their coverage, our commitment to responsive service and reliable support continues long after enrollment. 👍
Treena M.
– Treena M.
Shanyn W-K.
Shanyn Warren-Kimsey
Lisa P.
Renewal period, and put off dealing with making this call because I dreaded it! But …I was blessed to get Heather to help me, and she was AMAZING! Called when she said she would and took 100% care of every step, including calling my doctors to ensure they were in the plans we were shopping. Thank you, Heather, for making an awful chore tolerable and, dare I say, enjoyable.
– Lisa P.
Jane U.
Alicia S.
Heather S. is FANTASTIC, and her customer service was remarkable! She walked me through the entire process and made me feel like family. Throughout my experience, she showed kindness and professionalism, responsiveness and genuine care – ensuring I was taken care of each step of the way. Great service and people! A+
– Alicia S.
Ieva W.
Jessica was a helpful agent, and I am so excited to have my insurance get going with her positive attitude!
Kimberly S.
Heather Sprague is bar none the best health insurance rep I’ve ever had. She personally calls you even on off-hours if you have a question, and she fixes any issues you might have. I can’t say enough good things about her and vivna – honest, trustworthy, reliable, and just good people who care!
– Kimberly S.
Nick G.
Affordable Health Insurance Nationwide
Click your state for a personalized quote from a licensed agent
Alabama
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Connecticut
Delaware
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Idaho
Illinois
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New Hamp.
New Jersey
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North Carolina
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Ohio
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Oregon
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Frequently Asked Questions From Our Clients
What is an ACA Marketplace Plan?
ACA plans are sold on the health care Marketplace (also known as Obama Care). Depending on your income, you may be eligible for government subsidies to help lower the cost of an ACA plan.
What types of insurance does Vivna offer?
Vivna offers Health Insurance, Dental & Vision coverage, Life Insurance, and Supplemental Insurance. Our advisors compare multiple plan options and guide you toward coverage that fits your needs and budget.
How do Vivna agents help me choose the right plan?
Our licensed agents review your doctors, prescriptions, goals, and budget. Then we compare multiple carriers and explain each option clearly, so you can choose the right plan with confidence.
Is there a cost to work with a Vivna Insurance agent?
No. Our services are completely free. You pay the same price whether you enroll on your own or receive expert help from a licensed Vivna agent.
Can Vivna help me understand my ACA Marketplace options?
Absolutely. We review subsidy eligibility, compare ACA Marketplace plans, explain out-of-pocket costs, and guide you through each step of the enrollment process from start to finish.
What is a short term medical plan?
Short-term plans can help you get the benefits you need in times when you may have a coverage gap — like when you’re in between jobs or waiting for other coverage to start.
Am I required to have Health Insurance?
No, you are not. There are specific States that have their own individual mandates, with possible TAX PENALTIES if you don’t have coverage. California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, DC. It is always best to have Health Insurance.
Does Vivna work with multiple insurance companies?
Yes. Vivna partners with trusted carriers such as UnitedHealthcare, Pivot Health, Oscar, Aflac, OneShare Health, and UBA. Working with multiple companies allows us to offer more plan choices.
What are the durations of a Short Term medical plan.
UnitedHealthcare offers Short-Term medical plans ranging from 3 to 12 months.
Are there any plans that I don't have to renew every year?
Yes, many carriers, such as United Healthcare and Pivot Health, offer a Tri-Term plan. A TriTerm plan has a duration of 36 months.
Contact Vivna Insurance
888-730-6001
To complete the form below to request your personalized insurance review.
Get a Free Quote
For additional information about dental and vision care, you can explore trusted health resources such as the
National Institutes of Health (NIH) and the Centers for Disease Control and Prevention (CDC).
Vivna Insurance helps individuals and families compare coverage options, including Supplemental Insurance,
to support a well-rounded insurance strategy. To explore all coverage options and resources, visit the Vivna Insurance home page
or browse the latest guides in the Vivna Insurance Blog.
Health & Insurance Blog
United Healthcare Provider Network | In Network Rules
Learn how the United Healthcare Provider Network works and how in-network rules affect healthcare costs.
United Healthcare Plan Options | Coverage Explained
Learn how United Healthcare Plan Options work and how to compare coverage structures effectively.
Oscar Provider Network | In Network Rules Explained
Learn how the Oscar Provider Network works and how in-network rules affect healthcare costs.
SEO Title: Oscar Plan Options | Bronze Silver Gold Coverage
Learn how Oscar Plan Options work, compare Marketplace tiers, and understand total healthcare costs.
Molina Provider Network | In-Network Rules Explained
Learn how the Molina Provider Network works, how to verify doctors, and how in-network rules affect costs.
Molina Plan Options | Bronze Silver Gold Coverage
Learn how Molina Plan Options work, compare metal tiers, and understand total healthcare costs.
Cigna Provider Network | In-Network Rules Explained
Cigna Provider Network Guide for New Members Cigna Provider Network rules determine which doctors, specialists, and hospitals you can use while keeping your costs predictable. Before enrolling in coverage, understanding how the Cigna Provider Network operates helps...
Cigna Plan Options | HMO vs PPO Coverage Explained
Learn how Cigna Plan Options work including HMO and PPO structures and cost-sharing rules.
Ambetter Provider Network | In-Network Rules Explained
Learn how the Ambetter Provider Network works, how to verify doctors, and how in-network rules affect costs.
Ambetter Plan Types | Bronze, Silver & Gold Explained
Learn how Ambetter Plan Types work, compare Bronze, Silver, and Gold tiers, and understand total coverage costs.
No Employer Health Insurance | Best Coverage Options Without Work Benefits
No Employer Health Insurance explained. Learn your options for Marketplace plans, private coverage, subsidies, and cost strategies without work benefits.
Self Employed Health Deductions | How to Deduct Health Insurance Premiums
Self Employed Health Deductions explained for independent professionals. Learn how premium deductions work, who qualifies, and how to lower taxable income.
Gig Worker Health Coverage | Affordable Insurance Options Guide
Gig Worker Health Coverage explained for independent contractors. Compare plan types, subsidies, deductible strategies, and affordable insurance options.
Freelancer Health Insurance Options | Best Plans for Independent Contractors
Freelancer Health Insurance Options explained for independent contractors. Compare coverage types, costs, tax advantages, and flexible plan strategies.
Self Employed Health Insurance | Complete Guide for Independent Professionals
https://vivna.net/self-employed-health-insurance/
Secure Child Health Insurance | Step-by-Step Enrollment Guide
Secure Child Health Insurance by following simple enrollment steps that help families protect children with reliable medical coverage and affordable plans.
Health Insurance For Kids | Family Coverage Options Explained
Health Insurance For Kids helps families protect children from unexpected medical costs while ensuring access to preventive care and reliable treatment.
Affordable Health Insurance for Diabetics | Coverage Guide
Learn how affordable health insurance for diabetics covers insulin, supplies, and medical care while protecting against high healthcare costs.
Key Factors in Choosing Health Dental and Vision Insurance
Learn key factors in choosing health dental and vision insurance, including costs, provider networks, and coverage benefits.
Difference Between Panic Attack and Heart Attack | Symptoms Guide
Learn how to recognize panic attack vs heart attack symptoms, what commonly differs, and when urgent medical care is the safest choice.
Affordable Health Insurance Provider | Coverage Guide & Plan Comparison
Learn how to evaluate an Affordable Health Insurance Provider, compare coverage types, and choose plans that protect your health and budget.

