Licensed Florida Agents • Lake Mary, FL • Since 2006

Get Help Choosing the Right Health Plan
— In 10 Minutes

Talk to a licensed Florida agent who reviews your doctors, prescriptions, and real costs — at no cost to you.

✔️ You call → you get a real licensed agent (no call centers, no robots)
⚠️ Plans & subsidies change yearly — don’t guess
Real licensed agents (no call centers)
No cost to you
We work for you — not the insurance company

📞 Call now — speak to a real licensed agent in under a minute

Get Your Exact Plan Options — In Minutes
No cost. No spam. Just real answers.
No cost to youLicensed Florida agentsNo robots, no call centers
✓ Got it! A licensed Florida agent will follow up during business hours.

✔ No cost  •  ✔ No spam  •  ✔ Local agents

or call directly
Call Today — (407) 209-3345

🔒 No obligation  ·  No spam  ·  Local follow-up only

Coverage options from trusted carriers

Florida Blue
FHCP
Humana
Aetna
Cigna
UnitedHealthcare

We work with leading carriers — but we work for you.

Licensed Florida insurance agent on the phone
Why Florida Families Call Us

Why Florida Families
Call Us First

📞

We answer the phone

Call us and you reach a real licensed Florida agent — no call centers, no robots, no hold queues.

📚

We explain everything in plain English

No jargon. We walk you through what each plan actually costs and covers — before you commit.

📋

We check your doctors & prescriptions

We verify your specific providers and medications are covered before recommending any plan.

🌟

We stay with you after enrollment

Your dedicated account manager in our Lake Mary office is available for billing, claims, and anything that comes up — at no extra cost.

Most calls take 10–15 minutes — and you’ll know exactly what to do next.

Get Help From a Local Agent
What We Offer

Florida Health Insurance From Agents Who Know the Market

We specialize in Florida Blue plans and help you compare your best-fit options based on your doctors, prescriptions, and total cost.

When You Call,
You Talk to One of Us

No call centers. No handoffs. Just real licensed agents who know your situation — and stay with you long after enrollment.

Chad Garrell
Chad Garrell
VP & Founder

Individual Health, Medicare & Small Group. Former FL nurse. MBA/MHA.

Tina Kuga Garrell
Tina Kuga Garrell
President

Small Group, ICHRA & Medicare. MHR, Former Universal Orlando HR.

Charlene Bridgeman
Charlene Bridgeman
Medicare Specialist

Medicare Advantage, Supplement & Part D. Dedicated account manager.

Rudy Serrano
Rudy Serrano
Individual Health

Individual & family health coverage. Spanish-speaking. No-pressure approach.

Call Today — (407) 209-3345

All team members are licensed Florida insurance agents  •  No outsourced support  •  No extra cost

Common Questions

Florida Health Insurance FAQ

It varies based on your age, income, county, and plan type. After applying premium tax credits, many Floridians pay $50–$200/month — and some pay $0. The only way to know your real cost is to run your specific numbers. We do that for free, usually in one call.

Yes. More than 80% of Florida individual health enrollees qualify for premium tax credits that lower their monthly premium. We review your situation and apply every credit you’re eligible for before you enroll — at no cost to you.

Open Enrollment runs November 1 through January 15 each year. Outside this window, you generally need a qualifying life event (job loss, marriage, move, birth) to enroll through a Special Enrollment Period.

It depends on the plan’s network — and networks change every year. We verify your specific doctors, specialists, and hospitals against each plan’s directory before recommending anything.

Still Have Questions?
Let’s Talk.

⚠️ Deadlines & subsidies change yearly — don’t miss out

Get real answers from a licensed Florida agent — in minutes, not hours.

Mon–Thu 10:00am–5:00pm ET  •  No cost, no obligation  •  Local licensed agents
Call Today — (407) 209-3345