Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Florida

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Florida Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

411829Reviewed

247101Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Florida

Expertise.com Rating

Review Sources

Google
5.0 (211)
Facebook
5.0 (19)
Yelp
5.0 (3)

Why choose this provider?

Florida Healthcare Insurance caters to families, self-employed individuals, business owners, and independent contractors in and around the metro. The agency offers Medicare, dental vision, long-and short-term care, life, and health insurance products. Its team of independent insurance agents helps policy buyers personalize their insurance coverages by comparing and shopping products from multiple companies, including BlueCross BlueShield, United Healthcare, Humana, and Cigna. Company president Evan Tunis has been active in the insurance trade for over 15 years.

  • Individual Health Insurance

Florida

Expertise.com Rating

Review Sources

Google
4.8 (27)

Why choose this provider?

Florida Health Plans offers various health insurance policies to individuals and families in the area. It provides health maintenance organizations and exclusive provider organizations plans for coverage inside a specific network and preferred provider organizations and point-of-service plans for those who want the option to get care outside a network. The agency also has high deductible health plans for individuals who prefer low premiums and catastrophic health insurance plans for coverage of essential health benefits. In addition, Florida Health Plans provides Medicare Advantage and Medicare Supplements plans and dental and vision insurance.

  • Individual Plans

Florida

Expertise.com Rating

Review Sources

Google
5.0 (65)
Facebook
5.0 (10)
Yelp
5.0 (2)

Why choose this provider?

A+ Benefits Group has health insurance policies for clients situated in Florida. It has plans that cover contingencies such as critical illness and dental procedures. The contracts cover serious health conditions like heart attacks and routine procedures that includes annual vision checks and corrective lenses. A+ Benefits Group is a local and family-owned agency that is active in multiple states. The firm also offers advisory services from Jamie and JoAnna Baumeister, who hail from the financial sector.

  • Dental and Vision Insurance
  • Life Insurance

Florida

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

The Florida Health Insurance Exchange serves residents of the state with personalized policy offerings. It provides options for individual health and Medicare plans that are customized to its clients’ specific requirements and are sensitive to the policy needs of senior citizens. It has medical, vision, and dental plans and also offers family health and veteran insurance. The company carries products from various insurance providers, such as AARP, Aetna, Cigna, Humana, United Health, and Health First.

  • Life Insurance
  • Dental and Vision Insurance
  • Individual Plans

Florida

Expertise.com Rating

Why choose this provider?

The Florida Health Insurance Exchange works in tandem with FWH & Associates Inc. and Brevard Agencies. The insurance company helps the residents of Florida find personalized health care coverage. This includes health, dental, Medicare, and life insurance. The company has over 40 years of practice under its belt and has served more than 850 clients in the state. It works with providers like AARP, Aetna, Health First, Cigna, and United Health Care.

  • Medicare Supplement Insurance
  • Individual Health Insurance

Florida

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (3)

Why choose this provider?

Pixie Health Insurance is a family-owned agency based in Florida. It offers several products, including Medicare Advantage and Supplement plans. The risk management specialist also furnishes critical illness policies, which shoulder out-of-pocket expenses incurred from treating life-threatening conditions. In addition, vision protection plans that cover elective vision correction surgery costs are available. Dental, prescription, and travel insurance are the company's other products. It is owned by Jen Mathey, a longtime Sarasota resident, who was licensed to offer insurance in 2004.

  • Individual Plans

Florida

Expertise.com Rating

Review Sources

Facebook
4.5 (22)
Google
5.0 (2)

Why choose this provider?

The Florida Health Insurance Exchange - Lakeland provides health insurance policies to individuals and families in the state. It offers medical, dental, and vision insurance, as well as the Florida Blue Medicare Advantage, Medicare Supplement, and Blue Medigap Plans. The agency also has the Market Place Health Insurance - Obamacare and carries VA benefits. It works to monitor the top health plans of major providers, such as Aetna, AARP, Cigna, Health First, Humana, and United Health Care, while providing personalized service.

  • Individual Plans

Florida

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
4.4 (5)
Yelp
5.0 (1)

Why choose this provider?

Fabian Insurance Services has ready-made health plans for its clients in Florida. Medicare, the Affordable Care Act, and prescription drug options are among them. Its website also provides access to learning management resources covering the FWA Code of Conduct and Policy and Procedure OIG. Fabian Insurance Services employs bilingual agents and brokers who can address the concerns of Spanish-speaking clients. Fabian Insurance Services has been in operation for over ten years.

  • Medicare Supplement Insurance

Florida

Expertise.com Rating

Review Sources

Facebook
4.5 (22)
Google
5.0 (1)

Why choose this provider?

The Florida Health Insurance Exchange - Palm Bay is a full-service agency that has been serving Florida clients for more than four decades. It provides individual health insurance policies, with coverage options such as preventive care, prescription drugs, lab tests, and vision and dental services. It also offers health insurance plans for employer groups. Its team is partnered with carriers such as Aetna, AARP, Cigna, Health First, Humana, and United Health Care. The agency has served more than 850 clients.

  • Individual Plans

Florida

Expertise.com Rating

Review Sources

Facebook
4.6 (29)
Google
4.7 (15)
Yelp
5.0 (1)

Why choose this provider?

Health Insurance Store is an independent agency that serves individuals and families in the state of Florida. The company offers a variety of Medicare health insurance, which include Medicare Advantage, supplemental, Medicaid, and prescription drug plans. It also has Medicare Part A, special enrollments, special needs, and coverage gap products. Health Insurance Store strives to provide the right policy for its clients by working with different companies such as WellCare, Aetna, Ambetter, and Bright Health Care.

  • Medicare Supplement Insurance

Florida

Expertise.com Rating

Review Sources

Google
5.0 (103)

Why choose this provider?

Smart Health & Life Insurance Agency LLC offers several types of policies, including health and life insurance, to individuals, families, self-employed professionals, and Medicare beneficiaries in Florida. Its life insurance options include term, whole, variable, and universal. The firm's goal is to help everyone access healthcare regardless of age or current state of health condition. The firm represents over 150 insurance carriers. The company's president, Captain Rob Hamilton, has been in the insurance industry for over two decades. He founded the firm in 2002.

  • Individual Plans
  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Florida Healthcare Insurance
4991 NW 107th Avenue, Florida, FL 33076
Florida Health Plans
40230 US Hwy 27 Suite 150, Florida, FL 33837​
A+ Benefits Group
6160 State Road 70 E Suite 107, Florida, FL 34203
The Florida Health Insurance Exchange
1712 East Irlo Bronson Memorial Highway, Florida, FL 34771
The Florida Health Insurance Exchange
941 Dixon Blvd, Florida, FL 32922
Pixie Health Insurance
The Florida Health Insurance Exchange Lakeland
1933 E. Edgewood Dr, Florida, FL 33803
Fabian Insurance Services
6157 S Florida Ave., Florida, FL 33813
The Florida Health Insurance Exchange - Palm Bay
2454 Minton Rd West, Florida, FL 32904
Health Insurance Store
1125 East Oak St., Florida, FL 34744
Smart Health & Life Insurance Agency LLC
2211 Ashley Oaks Cir, Florida, FL 33544

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.