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Licensed independent insurance agency. Free quotes at (813) 437-9168

Tampa · Egypt Lake-Leto · Town 'n' Country · University

(813) 437-9168
Call us(813) 437-9168Compare Plans Free

Tampa, FL

Health Insurance in Tampa, Laid Out Side by Side

If you need individual or family health insurance or an ACA Marketplace plan, we pull quotes from multiple carriers and put the premium, deductible and network for each one on one page. Dental, vision and accident plans can sit on that same list. We meet clients in Tampa, Carrollwood and Temple Terrace by phone, video or in person.

Get side-by-side options at (813) 437-9168See our plans
  • No fee for consultation
  • Several carriers compared
  • Screenshots of every step
  • Phone, video or office
Insurance agent points a pen at a laptop on her office desk while a couple seated beside her looks on, with plan brochures spread across the desk

Where Our Clients Are

We work with clients all over Tampa and the communities around it, including Town 'n' Country, Egypt Lake-Leto, Carrollwood, Citrus Park, Northdale and Lake Magdalene. We also help people in University, Temple Terrace, East Lake-Orient Park and Palm River-Clair Mel. Since most of our work happens by phone and video, distance is rarely an issue.

  • Tampa
  • Egypt Lake-Leto
  • Town 'n' Country
  • University
  • Carrollwood
  • Lake Magdalene
  • East Lake-Orient Park
  • Citrus Park
  • Temple Terrace
  • Palm River-Clair Mel
  • Northdale

If you would rather sit down in person, we can meet at our office. Just let us know when you call.

Brick storefront office with a glass door and large front window under a blue awning, an employee working at a desk inside, and a quiet sidewalk alongside

Coverage We Help You Compare

Most people come to us for individual health insurance, family health insurance or an ACA Marketplace plan. Many add dental insurance or vision insurance, and some want accident insurance to help with the bills a high deductible leaves behind. We look at each one on its own terms and tell you which pieces you actually need. If a plan you already have is the right fit, we say so.

  • Two women seen from behind at an office desk, one in a black blazer pointing at a laptop screen while the other in a beige sweater looks on, window light at left

    Individual Health Insurance

    Coverage for one person, compared across several carriers so you can see the premium, deductible and doctor network for each plan before you pick.

  • Agent points a pen at a printed plan summary on a meeting table as a woman and a child in a denim jacket look on, with a desk phone and pen cup nearby

    Family Health Insurance

    One plan for parents and kids, picked after we check each family member's doctors, medications and budget against plans from several carriers.

  • Woman points at a desktop monitor showing a plan comparison table while a gray-haired man in a light shirt looks on at an office desk with keyboard and desk phone

    ACA Marketplace Plans

    We compare Marketplace plans across carriers, estimate your tax credit and show you each step on screen so you can see why a plan fits.

  • Agent in a gray blazer shows a client a dental plan brochure with coverage tables at a round consultation table by a window in an office

    Dental Insurance

    Stand-alone dental plans compared by network, waiting period and annual maximum, so you know what a cleaning, a filling or a crown will actually cost.

  • Client in a cream sweater holds a plan summary sheet while an agent points to a line with a pen across a wooden office desk with a phone and file organizer

    Vision Insurance

    Eye exam, frame and contact lens benefits from several carriers, laid out next to each other so you can see what each vision plan pays for.

  • Over-the-shoulder view of an agent holding a clipboard and pen, reviewing a benefits sheet with a client at a dark wood meeting room table beside folders

    Accident Insurance

    Accident plans pay cash for covered injuries like fractures and ER visits, which helps with the deductible your health plan leaves behind.

What Sets the Price of Your Plan

A real price takes a few details from you first. Carriers build premiums from a handful of factors, and you have a say in some of them. These are the ones that move the number most.

Each figure we share is taken from the carrier's own quote, and we send a screenshot as proof. The consultation is free, and it costs you nothing if you choose not to enroll.

Your age and whether you smoke
The older you are, the higher the premium. Tobacco use can raise it too, so it is one of our first questions.
Metal tier and deductible
Paying less each month usually means a bigger deductible. Bronze has the smaller monthly bill but you cover more before the plan kicks in. Gold is the reverse. We lay out both tradeoffs.
Tax credits and what you earn
With an ACA Marketplace plan, the income you expect for the year and how many people are in your family determine if you get a premium tax credit and how much. For a lot of our clients, this outweighs every other factor here.
HMO or PPO
An HMO usually costs less, but it keeps you in a fixed network and often asks for referrals. A PPO lets you go outside the network more freely, and you pay for that in the premium.
Who you are covering
A spouse or kids on the plan changes the premium. Sometimes two separate plans cost less than one family plan, so we price it both ways.

How a Plan Search Runs

Most clients are done in one or two conversations. Here is the order we go in.

  1. 1

    A first phone call

    Tell us who needs coverage, roughly what you make in a year and what insurance you have now. It takes about as long as a cup of coffee.

  2. 2

    We check your doctors and medications

    Share the doctors you want to keep and the medications you take. We look up each one in every plan we are considering and save screenshots of the results.

  3. 3

    We compare the plans with you

    Over the phone, on video or at our office, we review the plans with their numbers side by side. Ask as many questions as you need until it makes sense.

  4. 4

    We handle the enrollment

    After you decide, we answer the application questions together on a call and pass your application to the carrier. Before we hang up, we read you the confirmation details so you know it went through.

  5. 5

    Your file stays open

    If your income changes, you move or a new baby needs to be added, give us a call. We redo the comparison and update your coverage.

Agent in a tan blazer and a client review coverage papers and a clipboard checklist at a round office table, with palm trees visible through the window

How We Work With You

Buying health coverage is mostly reading fine print. We do that reading with you and keep a record of it.

  1. 01

    You see what we see

    When we check whether your doctor is in a plan's network, we take a screenshot of the carrier's search result and share it with you. Same for the medication list and the plan summary. You are not taking our word for it.

  2. 02

    Several carriers, one page

    We pull options from multiple carriers and line them up: monthly premium, deductible, out-of-pocket maximum, copays and network type. Seeing them next to each other makes the tradeoffs plain.

  3. 03

    It costs you nothing

    You pay no fee to sit down with us. Our commission comes from the carrier you end up picking. Your premium stays the same as if you bought the plan straight from them.

  4. 04

    A straight answer on what to skip

    Not everyone needs every add-on. If accident insurance or a separate vision plan does not make sense for you, we tell you that and move on.

  5. 05

    A record after you enroll

    Once your application goes in, you get a copy of the confirmation and a short rundown of what happens next, like when your first premium is due and when your cards should arrive.

Agency office with an agent on a headset at her desk while three colleagues at a round table review printed plan brochures near a window with blinds

About Our Agency

We are a small insurance agency in Tampa that does one thing: help people pick health coverage and the dental, vision and accident plans that go with it. We work with several carriers, so we are not pushing one company's product.

Our approach is simple. Show the client what we found and what we did. A lot of people have been burned by a plan that looked fine until they tried to use it. Screenshots of the network search and the plan documents keep everyone honest, us included.

License
Licensed independent insurance agency

What Our Clients Want to Know

Something not covered here? (813) 437-9168

Is there a charge for working with you?

No. The consultation costs nothing. If you enroll, the carrier pays our commission, and your premium is the same as buying from them directly.

When can I sign up for health coverage?

Florida's Marketplace open enrollment usually runs November 1 through January 15. At other times you need a qualifying life event, such as losing job coverage, getting married, having a baby or moving, which usually gives you 60 days to enroll. Dental, vision and accident plans generally have no enrollment season, so you can add one any time.

Can I stay with my doctor?

It depends on the network of each plan. Before you choose, we look up all of your doctors in every plan we compare and send you screenshots of what we find. If a doctor is out of network, you learn that before enrolling.

Is there help paying my premium?

For many people, yes. Marketplace tax credits are based on your expected income for the year and the size of your family. Share those two numbers with us and we can estimate what you would pay after the credit.

What separates a Marketplace plan from a private plan?

Marketplace plans are sold through the federal exchange, and they are the only plans that can come with premium tax credits. Some carriers also sell plans directly, off the exchange. We price both so you can see whether the credit makes the Marketplace the better deal.

Do I need separate dental and vision plans?

Most adult health plans do not cover routine dental or eye exams. For cleanings, fillings, glasses or contacts, you generally need a stand-alone dental insurance or vision insurance plan. We will tell you if one would cost more than you would get out of it.

Is accident insurance a type of health insurance?

No. It pays you a set amount after a covered injury, and you can use the money however you like, including toward your deductible. It works alongside a health plan, not in place of one.

See Your Options Next to Each Other

Give us a few minutes on the phone and we will line up plans from several carriers for you. The consultation is free, and you decide in your own time whether to enroll.

Compare plans for free at (813) 437-9168