Licensed Florida Agents • Lake Mary, FL • Since 2006

Get Health Insurance Help
in Florida
Without Overpaying

Compare plans, check your doctors, and review what may be available — with no additional agency fee.

⚠️ Plans & subsidies change yearly — don’t guess
Compare plans side-by-side
Check doctors & prescriptions
See your real monthly cost

✔ Licensed Florida agents  •  No additional agency fee  •  No call centers

Get Health Insurance in Florida
Without Overpaying

Talk to a Real Florida Agent — Not a Call Center

Speak with a licensed Florida agent. No additional agency fee. No pressure.

Call Now (407) 209-3345
“Serving Florida Since 2006”
Compare Plans
Review Potential Savings
No Additional Agency Fee
PPO - HMO - Dental - Vision
Review Your Marketplace Options
No additional agency fee. No spam. Just real answers.
No additional agency feeLicensed Florida agentsNo robots, no call centers
✓ Got it! A licensed Florida agent will follow up during business hours.

✔ No additional agency fee  •  ✔ No spam  •  ✔ Local agents

By submitting this form, you agree to be contacted by a licensed insurance agent by phone, text, or email.

or call directly
Get Your Plan Options Now

🔒 No obligation  ·  No spam  ·  Local follow-up only

Coverage options from trusted carriers

Florida Blue
FHCP
Humana
Aetna
Cigna
UnitedHealthcare

We work with leading carriers — but we work for you.

Carrier and plan availability varies by product, county, eligibility, and service area.

2006
Founded in Florida
20+
Years Serving Floridians
30+
Licensed Florida Agents
No Fee
No Additional Agency Fee
Highly Rated by Florida Clients
Florida couple having a no-pressure consultation with a licensed local health insurance advisor
Why Florida Families Call Us

Why Florida Families
Call Us First

📞

We answer the phone

Call us and you reach a real licensed Florida agent — no call centers, no robots, no hold queues.

📚

We explain everything in plain English

No jargon. We walk you through what each plan actually costs and covers — before you commit.

📋

We check your doctors & prescriptions

We help review current carrier directories, provider-network information, and available formulary information for the specific plan. Consumers should confirm participation and coverage directly with the provider, pharmacy, and carrier before enrolling and before receiving care.

🌟

We stay with you after enrollment

Your dedicated account manager in our Lake Mary office is available for billing questions, carrier contacts, and coverage questions — with no additional agency fee.

Initial calls are generally brief, although the time required depends on your household and coverage needs.

Speak With a Licensed Agent
What It’s Like to Call Us
★★★★★
“I was completely lost trying to pick a plan on my own. Chad walked me through everything in one call — checked my doctors, ran the numbers, and got me covered for $0/month. I had no idea that was even possible.”
SR
Sandra R.
Orlando, FL — Individual Health
👤
Your Account Manager
📍 Lake Mary, FL Office
Dedicated direct line — no transfers
Billing & claims support
Surgery & procedure planning
Doctor network review
Annual plan review & renewal help
100% Florida-based — no offshore
What Happens After You Enroll

Most Agencies Disappear After Enrollment.
We Don’t.

Every client is assigned a dedicated account manager based right here in our Lake Mary, FL office. Not a call center. Not a bot. A real licensed person who knows your plan and picks up when you call.

Florida client meeting one-on-one with a licensed local advisor in the Lake Mary office
Real face. Real phone. Real Lake Mary office.
📞
Billing questions? Call your account manager directly — not an 800 number.
🏥
Planning a surgery? We help you understand your coverage before you schedule.
📋
Claim denied? We advocate on your behalf and walk you through next steps.
📍
Need a new doctor? We help review current network information, and you should confirm participation directly with the provider and carrier.

This ongoing support is included with no additional agency fee — it’s just how we do business.

Get Your Plan Options
A 60-Second Framework

How to Choose the Right Health Plan (Without Overpaying)

Focusing only on the monthly premium can lead applicants to overlook deductibles, networks, prescriptions, and total out-of-pocket costs. Here’s how we help you do it the right way.

Choosing a plan without reviewing total costs and coverage details can lead to significant unexpected expenses. Here’s the simple way to get it right.

📋

1. Check Your Doctors

An important step. We help review current carrier directories and provider-network information; confirm participation directly with the provider and carrier before enrolling.

📈

2. Balance Cost vs Coverage

We compare premiums, deductibles, and total out-of-pocket — so you don’t overpay long-term.

💊

3. Review Your Prescriptions

We help review available formulary information to help avoid surprise costs; confirm coverage directly with the pharmacy and carrier.

Licensed Florida advisor walking a couple through plan options side-by-side on a laptop
What This Looks Like in Practice

“We help review available plans in your county, current provider-directory information, prescription coverage information, and total costs so you can make an informed decision.”

— The Insurance Advisors of Florida team
What We Offer

Florida Health Insurance From Agents Who Know the Market

Comparing premiums, deductibles, networks, prescriptions, and total costs can help avoid an unsuitable plan choice.

We specialize in Florida Blue plans and help you compare your best-fit options based on your doctors, prescriptions, and total cost.

Florida employer looking to outsource payroll, HR, and benefits together? Learn about PEO services in Florida.

No Call Centers.
No Transfers. Just Us.

No call centers. No handoffs. Just real licensed agents who know your situation — and stay with you long after enrollment.

Chad Garrell
Chad Garrell
VP & Founder

Individual Health, Medicare & Small Group. Former FL nurse. MBA/MHA.

Tina Kuga Garrell
Tina Kuga Garrell
President

Small Group, ICHRA & Medicare. MHR, Former Universal Orlando HR.

Charlene Bridgeman
Charlene Bridgeman
Medicare Specialist

Medicare Advantage, Supplement & Part D. Dedicated account manager.

Jasmin Doodnauth
Jasmin Doodnauth
Individual Health

Individual & family health coverage. Friendly, responsive support with a no-pressure approach.

Call Now — Get Your Options

All team members are licensed Florida insurance agents  •  No outsourced support  •  No additional agency fee

Common Questions

Florida Health Insurance FAQ

Florida parents enjoying time with their kids after securing the right health insurance for their family

No Additional Agency Fee • No Obligation • Licensed Florida Agents

Still Not Sure Which Coverage Options Fit?

A licensed Florida agent can help review your situation and available options — we help review estimated costs, available provider-network information, and plan options based on the information you provide.

Call Now — Review Your Marketplace Options

Mon–Fri 8:30am–5:30pm ET  •  No additional agency fee  •  No obligation

What Florida Families Say

Real Floridians. Real Coverage. Real Results.

★★★★★

“Turning 65 was overwhelming. Charlene explained Medicare in plain English, compared every option, and made sure my specialists were all in-network. Six months later I had a claim issue and she handled it for me directly. Incredible service.”

RM
Robert M.
Lake Mary, FL — Medicare
★★★★★

“As a small business owner I tried to figure out group health on my own and wasted weeks. Tina got on a call, understood exactly what I needed, and set up a plan for my team in days. She’s our go-to for benefits every year now.”

DL
Diana L.
Sanford, FL — Small Business
Call Now — Get Your Options