Florida Individual Health Insurance, Medicare & Group Benefits | Insurance Advisors of Florida
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Affordable Florida Health Insurance Plans for Individuals and Families

Licensed Florida Agents · Individual Health, Medicare & Group · Since 2006

Florida Individual Health Insurance
From Real Licensed Agents

We answer the phone. No robots. No AI. No call centers.

Get clear, no-cost guidance on Florida individual health insurance, ACA Marketplace plans, Medicare, group benefits, and more — from licensed local agents who stay with you before, during, and after enrollment.

Florida individual health insurance specialists Real licensed agents answer the phone Medicare, Group & ICHRA support Lake Mary office since 2006 No robots, no AI, no call centers We stay with you after enrollment
No obligation No spam No call centers Local Florida help

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No cost to you Licensed Florida agents Individual health insurance specialists No robots, no AI, no call centers
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No obligation  ·  No spam  ·  No call centers

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We Answer the Phone
Real licensed agents
Florida Blue Top 100
Trusted since 2006
No Cost for Our Help
No fees, ever
Individual, Medicare & Group
Coverage that fits real life
Lake Mary Office
Serving all of Florida
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Recently Lost Coverage
Lost job-based insurance? We can help you compare options quickly.
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Self-Employed
No employer plan? We specialize in individual coverage for freelancers and business owners.
🎓
Turning 26
Aging off a parent’s plan? You have 60 days to enroll. Let’s find the right option.
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Reviewing Your Plan
Overpaying on your current plan? A quick review often uncovers better options.

Looking for Individual Health Insurance in Florida?

If you are shopping for individual health insurance in Florida, Insurance Advisors of Florida can help you compare your options with guidance from a real licensed agent. We work with people and families across Florida who need under-65 health coverage, including ACA Marketplace plans and other individual options.

Our job is to help you understand what is available, see whether subsidies may reduce your monthly premium, and compare plans based on doctors, prescriptions, and budget. You do not pay extra to use our agency, and you do not have to deal with a call center.

Whether you are losing employer coverage, self-employed, between jobs, turning 26, or just reviewing your current plan, we make it easier to compare Florida health insurance and move forward with confidence.

Florida Health Insurance for Individuals, Families, Medicare & Businesses

Our primary focus is helping Florida individuals and families compare under-65 health insurance. We also help with Medicare, group health benefits, ICHRA, and other important coverage options — all with local guidance and no-cost support.

🏥Individual Health Insurance
💊Medicare
🏢Group / ICHRA
🛡️Life Insurance
🦷Dental & Vision
Supplemental Insurance

Florida Individual Health Insurance

If you are under 65 and need health coverage, this is where we start. We help Florida individuals and families compare individual health insurance plans, including ACA Marketplace options, so you can find coverage that fits your doctors, prescriptions, and monthly budget.

  • ACA Marketplace and private plan guidance
  • Subsidies may lower your monthly premium
  • Coverage for pre-existing conditions
  • Help comparing Florida Blue, Ambetter, Molina and more
ACA
Lower
Premiums May Be Available
100%
Pre-Existing Covered
Free
Our Guidance

Group Health & ICHRA

Need benefits for your employees? We help Florida businesses build smarter group health and ICHRA strategies that balance cost, retention, and real employee value.

  • Traditional group & ICHRA options
  • Cost-saving alternatives to traditional group plans may be available
  • All business sizes — even 1 employee
  • Dental, vision, life & ancillary add-ons
Group
Smart
Cost-Control Options
Any
Business Size
Free
Consultation

Medicare Plans

Turning 65 or already on Medicare? We specialize in Medicare Advantage, Medicare Supplement (Medigap), and Part D drug plans — and we’ll find the right fit for your doctors and budget.

  • Medicare Advantage, Supplement & Part D
  • Keep your current doctors
  • Low-premium plan options may be available
  • Annual review to ensure you’re not overpaying
Medicare
Low
Premium Options May Be Available
20+
Carriers Compared
Free
Annual Review

Life Insurance

Term and whole life options with affordable rates based on age, health, and coverage amount. We compare all carriers to find the right coverage for your family’s needs and budget — with no pressure and no hidden fees.

  • Affordable term life options available
  • No medical exam options available
  • All major carriers compared
  • Final expense & whole life options
Life
Low
Monthly Rates Available
No
Exam Options
Free
Comparison

Dental & Vision

Individual and family dental and vision plans with access to large Florida provider networks. Preventive care, orthodontics, eye exams, glasses, and contacts — ask us about available plan options.

  • Affordable dental plan options
  • Affordable vision plan options
  • Bundle dental + vision and save
  • Large Florida in-network providers
Dental
Low
Vision Options
Low
Dental Options
Free
Our Guidance

Supplemental / Ancillary

Cash paid directly to you when the unexpected happens. Critical illness, accident, hospital indemnity, short-term disability, and gap insurance — filling the holes your primary plan leaves behind.

  • Cash benefits paid directly to you
  • Critical illness, accident & hospital plans
  • No network restrictions
  • Affordable monthly options available
Supplemental
Low
Monthly Cost Options
Cash
Paid to You
Free
Consultation

Need help choosing coverage? Talk to a real Florida agent today.

(407) 209-3345

Mon–Fri 8:30am–5:30pm ET · No-cost guidance

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Years Serving Florida
0+
Florida Families Helped
0+
Carriers Compared
$0
Cost for Our Help

Florida Individual Health Insurance Comes First

Insurance Advisors of Florida is built to help people who need real guidance — especially individuals and families shopping for under-65 health coverage. Medicare and group benefits remain important parts of what we do, but individual health insurance is the core growth focus of this homepage.

Individual Health Insurance

ACA Marketplace plans, private options, subsidy guidance, and real help choosing Florida coverage that fits your life.

Group Health & ICHRA

Practical employer benefit strategies for Florida businesses that want to manage cost and offer meaningful coverage.

Medicare Guidance

Trusted help for people aging into Medicare or reviewing current options with a licensed local advisor.

Why Florida Families Call Us First

★★★★★ 5.0 · 100+ Google Reviews
★★★★★

“I was overwhelmed trying to figure out ACA plans on my own. They got me a better price with Florida Blue and walked me through every step.”

David Bains
📍 Orlando, FL
ACA Plan
★★★★★

“Every other agent tried to sell me something. Here I got unbiased advice. The risk assessment was incredibly helpful. Highly recommend.”

Julia Eischeid
📍 Altamonte Springs, FL
Medicare
★★★★★

“Filled out one form and got solid quotes back fast. Zero cold calls afterward. Exactly what I needed — professional, knowledgeable, and pressure-free.”

Michael Taggert
📍 Winter Park, FL
Medicare
★★★★★

“Came highly recommended. A refreshing take on insurance — great options with zero pressure. You’ve earned a customer for life.”

Chad Milark
📍 Maitland, FL
Group Plan
★★★★★

“Tina helped my whole family navigate Medicare during a really confusing time. She was patient, thorough, and saved us over $200/month.”

Sandra R.
📍 Lake Mary, FL
Medicare
★★★★★

“As a small business owner, finding affordable group benefits was a nightmare until I found them. Set up our ICHRA in days. Incredible service.”

James P.
📍 Sanford, FL
ICHRA

The Insurance Advisors Difference

The difference is simple: when you call us, you get a real licensed Florida agent who helps you make a smart decision and stays available after enrollment.

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Florida Blue Top 100

We’ve earned long-term trust by helping Florida clients make smart coverage decisions year after year.

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We Compare Your Options

We help you compare plans based on your needs, not based on a script or one carrier’s agenda.

Real People Answer

No phone tree. No outsourcing. No AI. Just local licensed agents who actually pick up.

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No Cost for Our Help

Our guidance costs you nothing. We help you review options, compare plans, and enroll with confidence.

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Florida-Based Guidance

We understand Florida networks, doctors, carriers, and enrollment realities — and that matters.

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Support After Enrollment

Questions after you enroll? Need to review changes later? We stay with you beyond the initial signup.

Local Florida Agents. Real Help.

When you call Insurance Advisors of Florida, you speak with experienced licensed agents — not a call center. Our team helps with individual health insurance, Medicare, and employer coverage across Florida.

Chad Garrell
Chad Garrell
Co-Founder · Licensed Agent
MBA · MHAIndividual, Group & Medicare SpecialistFlorida Blue Top 100
Tina Kuga Garrell
Tina Kuga Garrell
President · Licensed Agent
MHR · Rollins CollegeFlorida Blue Top 100Group & ICHRA Specialist

Ready to Compare Better Florida Health Insurance Options?

Call now for no-cost guidance on Florida individual health insurance, Medicare, group benefits, and more. Speak directly with a licensed local agent who can help you compare options and move forward with confidence.

✔ Licensed Florida agents  •  ✔ No-cost guidance  •  ✔ No call centers
Request a Review Online
(407) 209-3345