Who We Are

The Heart of HealthPlan Freedom can be summed up in 3 words: Service, Expertise, Trust. Our staff of highly trained licensed insurance agents offer expertise in Individual & Family Healthcare Plans, Medicare Advantage, Medicare Supplements, Life and supplementary products. Our agents are required to complete routine training programs to maintain an elevated level of expertise to ensure the highest level of quality and professionalism. We have a dedicated team of customer service representatives who are here to assist you with any needs or questions you may have about your existing coverage. Your experience with us as your one stop shop for all of your insurance needs hinges around the top-notch service you deserve. All clients are created equal and everybody is treated as a valued clients. You can trust in us to do what is right by you, the client. We are an independent agency, meaning we represent a multitude of insurance companies. This allows us to shop for you based on your individual specific needs and wants. Our success depends on the trust our clients have in us to provide the highest levels of expertise and service.

What We Do

Choosing the right insurance plan for you and your family can be complicated and overwhelming. With today's complex insurance arena, we are here to help make sense of it all. As plans change yearly it is important to know what your needs and options are. Let us help navigate the maze of insurance to safeguard your health and wealth. We take an approach that will ease your mind and take the confusion out of the process. We take you through a consultative approach to find out exactly what your needs are by providing a thorough needs assessment. Through our core values and the key components of service, expertise, and trust we help our clients protect their health and wealth.


Our Mission is to help people make informed decisions about insurance products. By educating and providing options with over 100 insurance companies we can ensure that we are helping protect your family’s health and wealth.

Tracy D Zimmerman    

Licensed agent since 2008
National Producer Number: 10446022
Licenses/Certifications: Accident & Health, Life, Medicare, Long term Care and FFM (Marketplace)

All of my life I have worked in retail & Insurance with clients. This has given me the opportunity to meet many people from all over the world. Through this I have had the opportunity to help a lot of clients which I now call friends. I understand the importance of insurance, not only the type but the quality of what is needed.

Outside of work: I have a husband of 26 years and 2 beautiful girls. Kathleen is now a professional photographer in New Hampshire and Laura is a Flight attendant for American Airlines. I enjoy traveling all over the world and sports(Ice Hockey, Baseball, Soccer & Rugby).

Robert Livingston lll  

Licensed since 2009
National Producer Number: 17024462
Licenses/Certifications: Health, Life & FFM (Marketplace)
States: Georgia, North Carolina. South Carolina, Tenneessee, Texas, & Virginia

I have been a life insurance agent since 2009 and since that time, have worked diligently to help protect families in North and South Carolina as well as other south eastern states.  I live in North Carolina with my wife and two children, and I look forward to assisting you with your family protection needs.

Anna Lopez

Licensed agent since 2019
National Producer Number: 19262089
Licenses/Certifications: Health, Life, & FFM (Marketplace)
Licensed in: Florida, Georgia, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, Tennessee, Texas, & Virginia

I joined Health Plan Freedom in August of 2021, prior to joining I had the privilege of working as an independent agent helping clients apply & enroll in health coverage through the Marketplace. I also helped clients enroll in Medicare Advantage plans and clients who just needed dental & vision plans. I believe everyone has a right to health insurance, and I will be happy to assist you, your family, and your friends reach the health insurance goals they need.

Outside of work: My husband Mario and I love and enjoy spending time with our two grown children, daughter-in-law, three grandchildren, and our large extended family who help keep us young, as we together do all the things that families enjoy that make life worth living.