Health insurance that fits your life in Southwest Florida
Individual and family plans through the ACA marketplace and private carriers — plus the supplemental coverage that keeps a high deductible from becoming a financial emergency. Free, local, no-pressure guidance.
Every way we can protect your health
Start with major medical, then fill the gaps. Each option below gets its own plain-English explanation and a free quote.
Individual & Family
ACA marketplace and private major medical plans — with subsidies that surprise most people.
Learn more →Hospital Indemnity
Cash paid directly to you for each day you're hospitalized — use it for anything.
Learn more →Dental Insurance
Cleanings, X-rays, fillings, and major work — standalone plans that start immediately.
Learn more →Critical Illness
A tax-free lump sum if you're diagnosed with cancer, heart attack, stroke, and more.
Learn more →Accident Insurance
Cash benefits for broken bones, ER visits, and injuries — on or off the job.
Learn more →Who we help most
Southwest Florida's economy runs on construction, hospitality, real estate, and small business — which means a huge share of our neighbors don't get insurance through an employer. Add one of the country's largest early-retiree populations, and you get a region where individual coverage isn't the exception. It's the norm.
- Self-employed & contractors — ACA subsidies are based on income, and many SWFL freelancers qualify for far more help than they expect
- Early retirees — bridging the gap to Medicare at 65 without overpaying
- Families between jobs — COBRA is rarely the cheapest option; we compare it honestly
- Seasonal residents — plans that actually work in two states
What a local agent does that a website can't
We check whether your doctors — at Lee Health, NCH, or Physicians Regional — are actually in a plan's network before you enroll. We read the drug formulary against your prescriptions. We model what you'd pay in a healthy year versus a bad one. And when a claim goes sideways in March, you call us, not a hold queue.
Frequently asked questions
What types of health insurance can I buy in Florida if I'm not on an employer plan?
You have three main routes: ACA marketplace plans (with income-based subsidies that can dramatically lower premiums), private individual and family plans sold off-exchange, and short-term or supplemental coverage for gaps. Most SWFL individuals and families we work with end up on a subsidized marketplace plan, but we compare all three so you can see the real numbers.
How much does individual health insurance cost in Florida?
It depends on your age, ZIP code, household size, and income. Before subsidies, a mid-level plan for a 40-year-old in Lee County typically runs several hundred dollars per month — but most marketplace enrollees in Florida qualify for premium tax credits that cut that substantially, sometimes to under $50 a month. The only way to know your number is a quick quote based on your actual details.
What is supplemental coverage and do I need it?
Supplemental plans — hospital indemnity, dental, vision, critical illness, and accident insurance — pay cash benefits for situations your major medical plan doesn't fully cover. They're inexpensive (often $20–$60 a month) and make the most sense if your health plan has a high deductible or you want predictable cash flow during a medical event.
Get your free quote in minutes
Tell us what you need and we'll compare options from multiple carriers — no cost, no obligation, no pressure.
239-251-6722