Refer a friend
Refer a Friend to a Broker Who Actually Picks Up
Most of my clients come from other clients, and that's by design. If someone you know is wrestling with health insurance, send them my way and I'll take care of them the same way I've taken care of you. It costs them nothing to talk to me: brokers are paid by the carriers, never by them.
Who I Can Help Most
I specialize in the people nobody's HR department is looking out for: self-employed professionals and 1099 contractors, freelancers and gig workers, families buying their own coverage, folks between jobs or losing employer coverage, and anyone retiring before 65 who needs to bridge the gap to Medicare. Licensed in 31 states, based in Tampa, serving clients year-round, not just at enrollment.
How It Works
Send them my way
Forward this page, share my number (813) 833-7448, or have them grab a time that works for them.
We talk
A real conversation about their situation, at no cost and with no obligation.
They get taken care of
I compare their options, explain everything in plain English, and stay their broker year-round.
Why People Send Me Their People
I have five-star reviews on Google from real clients, I'm a licensed health & life insurance broker who answers his own phone, and it's free to you, since carriers pay me, never my clients. When something comes up mid-year, like a billing question, a life change or a confusing letter, you call me, not a 1-800 number.
What to send, and what happens next
Referring a friend to a health insurance broker should take ten seconds. Text them my number, (813) 833-7448, or the link to this page. If it helps, here's something you can paste: "I used Ryan Michalek for my health insurance. He's a licensed broker, he'll walk you through your options in plain English, and it doesn't cost anything to talk to him."
Before we talk, it helps if they have a few things handy: the ZIP code and ages of everyone who needs coverage, their current plan card or renewal letter if they have one, the doctors and prescriptions they want to keep, and a rough idea of this year's household income. I'll reach out personally, and they decide everything from there.
The moments when a name from a friend helps most: a job plan ending at the end of the month (after losing employer coverage), a kid turning 26, a couple retiring before Medicare, or a 2027 renewal that jumped (what to do when the premium goes up). If I'm not the right fit for them, because a subsidized marketplace plan suits them better, they need Medicare, or they live outside my 31 states, I'll tell them so and point them to someone who is.
One thing I don't do: rewards. No referral fees, no gift cards, no thank-you gifts, now or ever. The only reason to pass my name along should be that I took good care of you, and that's how I want your friend to hear about me.
In their words
"Working with Ryan has been absolutely fantastic. So glad someone recommended him to me. ... I plan to refer him to my own clients as well."
Stephen C., Google review
"Ryan was very helpful in finding the best plan for my family and a few other of my coworkers. Always worked with my schedule and very professional."
Ethan C., Google review
"... Have recommended him to family and friends for the honesty and work ethic to make sure everything is perfect for us."
Austin N., Google review
Know someone who needs this? Send them my way.
It costs them nothing to talk to me, and they'll be taken care of the same way you were. Not sure what to send? Point them to the free cost estimator as an easy first step, or have them call or text me and we'll find a time.
— Ryan Michalek, Michalek Health Solutions | Tampa, FL
Sent here by a friend? Let’s talk.
Leave your details and I’ll reach out personally to look at under-65 coverage that fits, explained in plain English. The form itself asks no health questions. Prefer to talk? I’ll call you.
“Extremely knowledgeable. The process with Ryan is very straight forward. Would definitely Recommend him!” — Pat G., Google review
This page is general information — not an offer, quote, or guarantee of coverage. It names no carriers. Nothing here is legal, tax, or financial advice.