Florida Individual Health Insurance From Real Licensed Local Agents
Compare individual health insurance and Marketplace plan options with a real licensed Florida agent — no call centers, no robots, no AI, and no added cost. We also support Medicare and Group/ICHRA needs.
Local Florida agency. Real licensed agents. No robots, no AI, no call centers — just real help from our Lake Mary office.
Most people just call us first — and get answers in minutes.
Request a No-Cost Review
A real licensed Florida agent from our Lake Mary office will follow up personally — no call centers, no spam.
No obligation · No spam · No call centers
Florida Health Insurance for Individuals, Medicare & Group Plans
We help Florida individuals and families compare health insurance options, help Medicare beneficiaries review plan choices, and guide Florida employers exploring group health and ICHRA strategies.
Individual & Family Health Insurance
Our primary focus is helping Florida individuals and families under 65 find the right individual health insurance. This includes Marketplace / ACA plans and other available options, with guidance from licensed local agents who walk you through every step.
- Help comparing individual health insurance options
- Marketplace / ACA plans and major Florida carriers
- Coverage for pre-existing conditions
- No-cost enrollment and renewal support
Group Health & ICHRA
Tina Kuga Garrell leads our Group Health and ICHRA strategy work for Florida employers. We help businesses evaluate traditional group plans, ICHRA approaches, and ancillary benefits with a focus on cost control, retention, and practical implementation.
- 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
Medicare Plans
We also help Florida Medicare beneficiaries compare Medicare Advantage, Medicare Supplement, and Part D drug plan options. Chad Garrell and Charlene Bridgeman lead our Medicare support with a focus on clarity, fit, and ongoing reviews.
- Medicare Advantage, Supplement & Part D
- Keep your current doctors
- Low-premium plan options may be available
- Annual review to ensure you’re not overpaying
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
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
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
Talk to a Licensed Florida Agent. No robots, no AI, no call centers — just real local help.
(407) 209-3345Mon–Fri 8:30am–5:30pm ET · Always Free
Florida Health Insurance Guidance With Clear Priorities
We provide trusted guidance for Florida individual health insurance, Medicare plan decisions, and employer benefit strategies including group health and ICHRA.
Individual Health Insurance
Guidance for Florida individuals and families comparing individual health insurance and Marketplace plan options for under-65 coverage.
Medicare
Support for Medicare Advantage, Supplement, and Part D from experienced local agents.
Group Health / ICHRA
Employer benefit guidance led by Tina Kuga Garrell for Florida businesses exploring group coverage and ICHRA.
What Floridians Are Saying
"Chad walked me through every plan option and explained exactly what I’d be paying out of pocket — I actually understood my coverage for the first time."
"I called expecting to leave a voicemail. A real person answered and had answers to all my questions in about 20 minutes. That doesn’t happen anymore."
"Tina explained the Medicare Supplement options clearly and helped me keep my doctor. She followed up after enrollment — didn’t just disappear."
"We switched to an ICHRA setup and saved real money. Tina mapped out the whole transition so nobody was left guessing."
"I lost my job and panicked about coverage. Chad had me enrolled in a Marketplace plan the same week. He also checked whether I qualified for a subsidy, which I did."
"My husband turned 65 and we were completely confused about Medicare. One call to Insurance Advisors and we had a plan that covered both his doctors. No pressure at all."
The Insurance Advisors Difference
We are built around something many agencies lost: local licensed agents, real conversations, and long-term support before and after enrollment.
Florida Blue Top 100
We’re consistently ranked in the top 100 agents in Florida — a recognition earned by putting clients first, every single time.
Independent Guidance
As an independent agency, we help you compare available options and choose coverage that fits your needs, budget, and preferences.
Real People Answer
When you call, you reach a real local team — not a call center, not a bot, and not an AI support maze.
Always Free to You
There is no added cost for our guidance. We help you evaluate available options and stay available after enrollment when questions come up.
Florida Specialists
We live here. We know Florida’s hospitals, networks, and providers. That local knowledge makes a real difference when picking your plan.
We Stick Around
We don’t disappear after enrollment. Annual reviews, plan changes, billing questions — we’re your agent for the long haul, not just the sale.
Real People. Real Answers.
When you call, you talk to real licensed Florida agents — not a call center. Chad supports individual health, Medicare, and broader strategy, while Tina leads Group Health and ICHRA guidance.
Ready to Talk to a Licensed Florida Agent?
Call now for help with individual health insurance, Medicare, or employer coverage. Speak directly with a licensed Florida agent — not a call center, not AI, and not a robot.
✔ Licensed Florida agents • Local help since 2006 • No obligation
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