Health Insurance Florida | Medicare & ACA Plans | Insurance Advisors of Florida
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Florida Blue Top 100 · Licensed Since 2006

Health Insurance Your Family Can Actually Afford.

ACA, Medicare, Group Health, Life, Dental & Vision — we compare every Florida plan so you get the best coverage at the lowest price. Always free. No pressure.

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Florida Blue Top 100
Preferred Agency
Licensed Since 2006
20+ Years in Florida
1,000+ Families Covered
Across Florida
Always Free to You
No fees, ever
Independent Brokers
We work for you

What Are You Looking For?

Click your situation below and we'll show you exactly what we offer — and how to get it fast.

🏥Health Insurance
💊Medicare
🏢Business / Group
🛡️Life Insurance
🦷Dental & Vision
Supplemental

ACA / Marketplace Health Insurance

Open to all Floridians. Federal subsidies can reduce your monthly premium to as low as $0/month — even for comprehensive coverage. We compare every plan so you never overpay.

  • Premiums as low as $0/month with subsidies
  • Florida Blue, Ambetter, Molina & more
  • Coverage for pre-existing conditions
  • Enrollment help at no cost to you
ACA
$0
Min. Monthly Premium
100%
Pre-Existing Covered
Free
Our Guidance

Medicare Plans

Turning 65 or already on Medicare? We specialize in Medicare Advantage, Medicare Supplement (Medigap), and Part D drug plans — and we'll find the right fit for your doctors and budget.

  • Medicare Advantage, Supplement & Part D
  • Keep your current doctors
  • $0 premium options available
  • Annual review to ensure you're not overpaying
Medicare
$0
Premium Options
20+
Carriers Compared
Free
Annual Review

Group Health & ICHRA

Offering benefits to your team? We design traditional group health plans and modern ICHRA solutions that save Florida businesses 20–40% compared to traditional group coverage.

  • Traditional group & ICHRA options
  • Save 20–40% vs. traditional group plans
  • All business sizes — even 1 employee
  • Dental, vision, life & ancillary add-ons
Group
40%
Avg. Savings
Any
Business Size
Free
Consultation

Life Insurance

Term and whole life options starting from $10/month. We compare all carriers to find the right coverage for your family's needs and budget — with no pressure and no hidden fees.

  • Term life from $10/month
  • No medical exam options available
  • All major carriers compared
  • Final expense & whole life options
Life
$10
Starting / Month
No
Exam Options
Free
Comparison

Dental & Vision

Individual and family dental and vision plans starting from $19.99/month. Preventive care, orthodontics, eye exams, glasses, and contacts — with access to large Florida provider networks.

  • Dental plans from $19.99/month
  • Vision plans from $9.99/month
  • Bundle dental + vision and save
  • Large Florida in-network providers
Dental
$9.99
Vision / Month
$19.99
Dental / Month
Free
Our Guidance

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
  • Plans from $15/month
Supplemental
$15
Starting / Month
Cash
Paid to You
Free
Consultation

Real agents. Real answers. No call centers, no hold music.

(407) 209-3345

Mon–Fri 8:30am–5:30pm ET · Always Free

0+
Years Serving Florida
0+
Families Covered
0+
Top Carriers Compared
$0
Cost for Our Guidance

What Floridians Are Saying

★★★★★ 5.0 · 100+ Google Reviews
★★★★★

"I was overwhelmed trying to figure out ACA plans on my own. They got me a better price with Florida Blue and walked me through every step."

David Bains
📍 Orlando, FL
ACA Plan
★★★★★

"Every other agent tried to sell me something. Here I got unbiased advice. The risk assessment was incredibly helpful. Highly recommend."

Julia Eischeid
📍 Altamonte Springs, FL
Medicare
★★★★★

"Filled out one form and got solid quotes back fast. Zero cold calls afterward. Exactly what I needed — professional, knowledgeable, and pressure-free."

Michael Taggert
📍 Winter Park, FL
Medicare
★★★★★

"Came highly recommended. A refreshing take on insurance — great options with zero pressure. You've earned a customer for life."

Chad Milark
📍 Maitland, FL
Group Plan
★★★★★

"Tina helped my whole family navigate Medicare during a really confusing time. She was patient, thorough, and saved us over $200/month."

Sandra R.
📍 Lake Mary, FL
Medicare
★★★★★

"As a small business owner, finding affordable group benefits was a nightmare until I found them. Set up our ICHRA in days. Incredible service."

James P.
📍 Sanford, FL
ICHRA

The Insurance Advisors Difference

Anyone can sell you insurance. We're here to make sure you have the right coverage at the right price — with someone in your corner for life.

🏆

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.

🔍

We Compare Everything

As independent brokers, we're not tied to any one carrier. We shop every option and bring you the best — not what pays us the most.

Real People Answer

Call us and a licensed agent picks up. No menus, no voicemail, no "your call is important to us." Just real answers from real people.

💵

Always Free to You

Our services cost you nothing — ever. We're paid by the carriers, not by you. That means our advice is always 100% in your interest.

🌴

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 us, you get us — not a call center. Meet Chad and Tina, the founders behind Insurance Advisors of Florida.

Chad Garrell
Chad Garrell
Co-Founder · Licensed Agent
MBA · MHAMedicare SpecialistFlorida Blue Top 100
Tina Kuga Garrell
Tina Kuga Garrell
President · Licensed Agent
MHR · Rollins CollegeFlorida Blue Top 1002-20 P&C Licensed

Ready for Better Coverage at a Better Price?

It takes 60 seconds to call. Our advice is free, our agents are real, and there's zero pressure — ever. Florida families have trusted us since 2006.

✔ Licensed agents  •  Florida Blue Top 100 Agency  •  No obligation
📋 Request a Quote Online
(407) 209-3345