Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Palm Coast, FL

Our Recommended Top 5

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 Palm Coast 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.

1649Reviewed

991Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Palm Coast, FL
WebsiteLicense: L114824

Expertise.com Rating

Why choose this provider?

Retire Smart Palm Coast is an insurance solutions provider that caters to Palm Coast-based clients. It offers health insurance and is associated with several healthcare firms like United Healthcare, CarePlus Health Plans, Freedom Health, Humana, Aetna, and Optimum Healthcare, Inc. It also handles retirement planning, life insurance, and Medicare. The firm's attorney, Nadia Tupikina, is a Chartered Retirement Planning Counselor and is also Certified in Long-Term Care. She has a master's degree in business administration and is fluent in both English and Russian.

  • Life Insurance
  • Health Insurance

15 Jasmine Dr, Palm Coast, FL 32137
WebsiteLicense: E040510

Expertise.com Rating

Review Sources

Facebook
5.0 (8)

Why choose this provider?

Murray & Murray Insurance, P.A., is a Palm Coast-based financial services company that caters to clients throughout the area. It provides health insurance products and advises clients on coverage options like hospital indemnity coverage. The company assists seniors in issues involving Medicare. It also deals with life insurance and offers options like whole and term life policies. Donna Murray, the company’s owner, has over 15 years of industry experience. She serves as a board member for the non-profit organization Grand Haven Women's Club.

  • Life Insurance
  • Health Insurance

3200 East Moody Blvd, Bunnell, FL 32110
WebsiteLicense: L017786

Expertise.com Rating

Review Sources

Google
4.3 (24)
Facebook
4.5 (13)

Why choose this provider?

Hayward Brown-Flagler, Inc., is a full-service insurance company that serves clients in Palm Coast. The firm helps individuals and businesses obtain a health insurance plan that can protect them from medical and financial hardships. The company represents over a dozen carriers that provide a variety of health coverage options, including temporary health, long-term care, dental and vision, medical expense, prescription, and travel health insurance. Co-owner Jeanie Boudreau has been offering personal and commercial insurance policies since 1978.

  • Individual Plans
  • Group Plans
  • Health Insurance

800 Belle Terre Pkwy, Ste 114, Publix Plaza - Town Center, Palm Coast, FL 32164
WebsiteLicense: L007506

Expertise.com Rating

Review Sources

Google
4.9 (320)
Facebook
5.0 (13)
Yelp
1.0 (1)

Why choose this provider?

Angel Hall is a State Farm agent who has been providing insurance solutions for individuals, families, and businesses based in Palm Coast since 2004. She offers individual medical coverage for people who do not have a health plan through an employer or another organization. She also handles supplemental health insurance, which is an add-on to the primary health coverage that gives a pre-determined benefit amount to cover unexpected expenses. In addition, Hall caters to the auto and home insurance needs of her clients.

  • Life Insurance
  • Health Insurance

352 East New York Avenue, DeLand, FL 32724
WebsiteLicense: R011565

Expertise.com Rating

Review Sources

Facebook
3.0 (3)

Why choose this provider?

Ference-Arison Insurance Services LLC is an insurance agency through Florida Blue that has been serving the Palm Coast area for more than 30 years. The company offers health insurance policies for individuals, families, and businesses, covering things like accidents, critical illness, dental visits, HMO, and hospital-surgical. The company can also cover cancer, hospital confinements, multi-plan offerings, short- and long-term disability, and vision. Ference-Arison Insurance Services is staffed by 40 insurance professionals.

  • Health Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Retire Smart Palm Coast
Murray & Murray Insurance, P.A.
15 Jasmine Dr, Palm Coast, FL 32137
Hayward Brown Flagler Inc.
3200 East Moody Blvd, Bunnell, FL 32110
Angel Hall
800 Belle Terre Pkwy, Ste 114, Publix Plaza - Town Center, Palm Coast, FL 32164
Ference-Arison Insurance Services LLC
352 East New York Avenue, DeLand, FL 32724

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.

  • Is it mandatory for Palm Coast residents to get health insurance, and how can they benefit from the Marketplace?

    While Florida lacks a mandate for residents to hold health insurance, the ACA upholds a national requirement that states that no tax penalties apply for non-compliance. Palm Coast residents aren't obligated to use the Health Insurance Marketplace, but leveraging it qualifies them for the Advanced Premium Tax Credit, diminishing their financial burdens.

  • How are health plans on Palm Coast's Marketplace structured in terms of coverage and costs?

    In Palm Coast, health plans on the Marketplace undergo the Department of Health and Human Services certification and align with specific tiers based on cost coverage percentages: Bronze (60%), Silver (70%), Gold (80%), and Platinum (90%). There's also a Catastrophic plan for individuals up to age 30 or, in special cases, set by HHS. To benefit from Advanced Premium Tax Credits or Cost Sharing Reductions, you must buy through the Marketplace. Direct purchases bypass the Marketplace.

  • Can long-term disability insurance in Palm Coast replace the need for health insurance?

    In Palm Coast, while long-term disability insurance offers a safety net by replacing income during prolonged illness or injury, it's not a stand-in for health insurance. This coverage aids with living expenses, including housing and groceries. However, the compensation probably won't match the costs of comprehensive medical care, making health insurance essential.

  • How can Palm Coast residents get ACA financial assistance for their health coverage?

    Palm Coast residents can obtain tax credits to diminish monthly premiums for any metal-tier plan bought via the official healthcare website of the United States, based on their yearly income forecast. Paid directly to insurers, if residents' real income surpasses limits, they'll refund the excess to the government. Additionally, those earning below 250% of the federal poverty threshold can receive subsidies for Silver plans to ease out-of-pocket costs.

  • How can Palm Coast children obtain health coverage through Florida KidCare?

    Palm Coast children up to 18 can enroll in Florida KidCare, with the program determining the best fit from Medicaid, MediKids, Florida Healthy Kids, or CMS Health Plan based on age, family size, and income. Enrollment is continuous. While many families get free coverage, some might pay minimal monthly fees, and others can buy a full-pay plan. The program emphasizes child-specific health and dental services from a variety of providers.

  • 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.