Florida is home. I'm a licensed independent broker based right here in Tampa — not a call center three states away. Florida leads the country in marketplace enrollment, and it runs on self-starters: 1099 contractors, real-estate and hospitality pros, snowbirds, early retirees, and families buying their own coverage. I help folks across Tampa Bay, Orlando, Miami, Jacksonville, and the rest of the state find private under-65 coverage that actually fits.
Florida uses the federal HealthCare.gov marketplace for ACA plans — guaranteed-issue and subsidy-eligible if you qualify — and more Floridians enroll there than in any other state. But a huge share of the state is self-employed or seasonal, and plenty earn too much for subsidies or want more doctor flexibility than a narrow-network marketplace plan offers. Private under-65 plans often give PPO-style access and can be started outside open enrollment. I compare both sides and tell you straight which one actually fits — no income tax to factor in here, just the real numbers.
Florida's my home base, so you get a real Tampa advisor — not a 1-800 queue. I'm not captive to one carrier, so I compare your real options and recommend what fits you. One licensed advisor, start to finish. Licensed in Florida and 31 states. (Ryan Michalek, NPN 21043091.)
Yes — my office is in Tampa. You're working with a local Florida advisor, not an out-of-state call center.
Often, yes, after a qualifying life event; and many private plans enroll year-round.
Yes, statewide — Tampa Bay, Orlando, Miami, Jacksonville, and everywhere in between.
No.
Buying your own coverage as a freelancer, contractor, or solo business owner.
Explore self-employed →Coverage for your household, built around your budget and doctors.
Explore family coverage →COBRA ending, between jobs, or losing a plan? Move fast and avoid a gap.
See gap options →Covering a team? Explore small business & group coverage → · See all service areas →
Tell me your situation and I'll lay out what's actually available across Florida, in plain English — from someone right here in Tampa.