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Licensed independent insurance agency. Free plan review: (727) 349-5211

(727) 349-5211
(727) 349-5211Get My Free Consultation

Health Insurance in St. Petersburg, Compared Over the Whole Year

We help you choose health coverage for yourself, for your family or through the ACA Marketplace, and we can add a dental, vision or accident plan too. We weigh the premium against the deductible and what a typical year of care will cost. Clients reach us from St. Petersburg, Gulfport, Pinellas Park and nearby.

Free consultation at (727) 349-5211See our plan types
  • Licensed independent insurance agency
  • No fee for the consultation
  • Plans from multiple carriers
  • Phone, video or office
Insurance agent at an office desk points to a plan comparison chart on a laptop while a couple seated across the desk follows along, printed plan sheets on the desk

Where Our Clients Live

We help clients across St. Petersburg and the towns around it, including Gulfport, South Pasadena, Lealman, West Lealman, Kenneth City and Pinellas Park. We also work with people on the beaches in St. Pete Beach, Treasure Island and Tierra Verde, and over in Bardmoor. Carrier networks can differ from one part of the county to the next, so we check your exact area when we compare plans.

  • St. Petersburg
  • Lealman
  • Gulfport
  • South Pasadena
  • Kenneth City
  • Pinellas Park
  • West Lealman
  • Bardmoor
  • St. Pete Beach
  • Treasure Island
  • Tierra Verde

You can also sit down with us over the phone or on a video call, so there's no trip to make. Our Service Areas page has more on the places we cover.

More on the areas we cover

5 mi10 miLealmanGulfportSouth PasadenaKenneth CityPinellas ParkWest LealmanBardmoorSt. Pete BeachTreasure IslandTierra VerdeSt. PetersburgN

Coverage We Help You Choose

We work with individual health insurance, family health insurance and ACA Marketplace plans for people who buy their own coverage. We also help with dental insurance, vision insurance and accident insurance, either on their own or added to a health plan. Each one has its own fine print, so we go through it with you line by line. You leave knowing what you're paying for and what you're not.

  • Agent in a black blazer points a pen at three plan options on a laptop screen while a client in a gray sweater looks on at an office desk with a blue notebook

    Individual Health Insurance

    Coverage for one person, chosen by looking at the premium, the deductible and the out-of-pocket max together, not the monthly price alone.

  • Mother and young daughter seen from behind at a dark meeting table as a man in a navy shirt reviews a printed plan summary with them in an office

    Family Health Insurance

    One plan for parents and kids, picked by what the whole year costs once deductibles, copays and doctor networks are added in.

  • Agent in a navy shirt points at a monitor showing a four-column health plan comparison while a client in a beige sweater looks on at an office desk

    ACA Marketplace Plans

    Help picking a Marketplace plan, checking your tax credit and comparing bronze, silver and gold tiers by what they cost over a full year.

  • Two women seen from behind at a wooden office desk reviewing an open dental plan brochure with a tooth graphic; one points with a pen, beside a plant and window blinds

    Dental Insurance

    Compare dental plans by waiting periods, yearly caps and network, so the premium you pay matches the dental work you'll actually use.

  • Over-the-shoulder view of a client holding a plan summary at an office desk while an agent points to it with a pen; eyeglasses rest on a burgundy folder

    Vision Insurance

    We weigh vision plan premiums against what you spend on exams, glasses and contacts over a few years, so you only pay for coverage you will use.

  • Agent in a blue checked shirt points a pen at a form on a clipboard while a client in a cream sweater sits beside him at a wooden meeting room table

    Accident Insurance

    A plan that pays you cash after a covered injury, so a broken wrist or urgent care visit does not eat your savings while you meet your deductible.

How Working With Us Goes

Most clients finish in one or two conversations. You can talk with us by phone, by video or at our office.

  1. 1

    Give us a call

    Tell us who needs coverage, where you live and what you're paying now, if anything. There's no cost and no pressure to buy on the first call.

  2. 2

    We ask about how you use care

    We go over your doctors, the medications you take, any planned visits and what monthly budget feels right. This is what lets us compare cost over a full year instead of just the sticker price.

  3. 3

    You see options side by side

    We put a few plans from different carriers next to each other. For each one you see the monthly cost, the deductible, the most you could pay in a year and which doctors are in network. Then we say which one we'd pick and why.

  4. 4

    We handle the enrollment

    Once you choose, we complete the enrollment with you and make sure the start date is right. If you have questions after your cards arrive, call us back.

Two people seen from behind at a round office desk reviewing brochures and clipboards, with a monitor, phone, printer and brochure rack near a window with palm trees

Why Clients Work With Us

A low premium can turn into a bad deal the first time you need care. We look at the whole picture before you sign.

We price out a real year
We add up the premium, the deductible and the copays for the visits you actually expect. Sometimes the plan with the higher monthly bill costs less by December. We show you the math so you can see it yourself.
More than one carrier on the table
We aren't tied to a single carrier. You get side-by-side options from several of them in one conversation.
Nothing out of your pocket for our help
Sitting down with us won't cost you a dime. Our pay comes from the company whose plan you end up enrolling in, never from you.
We check your doctors and medications first
A plan is only worth it if your doctors are in the network and your medications are covered. We look those up before we recommend anything.
Still here at renewal
Premiums and networks change every year. When renewal comes, we look again and tell you plainly if staying put still makes sense.

What Drives Your Premium and What You Spend All Year

Two households on the same street can pay very different amounts for coverage. Some causes you control and some you don't. Here is what moves both your monthly premium and what you spend once you use care.

We don't post prices here, because your number depends on everything above. We gather those details on a call and bring back real quotes from the carriers.

Your age and tobacco use
Premiums on individual and Marketplace plans can go up as you get older. Tobacco use can raise the price too.
Metal level and deductible
Bronze keeps the monthly bill low, but you pay more before the plan begins to share costs. Gold costs more each month and less per visit. Silver falls between them and, at certain incomes, comes with extra help on out-of-pocket costs.
Network type
HMO, EPO and PPO plans each have their own rules on which doctors you can see and when a referral is needed. Wider networks usually cost more per month.
Your income
On ACA Marketplace plans, premium tax credits are based on the income you expect for the year. A good estimate helps you avoid paying some back at tax time.
Who is on the plan
Adding a spouse or children changes the premium and the family deductible. Sometimes a separate plan for the kids is cheaper, so we quote it both ways.
Extra coverage
Dental, vision and accident plans each carry their own premium on top of your health plan. Many dental plans also wait a set period before paying for bigger work.
Three women seen from behind at an office meeting table reviewing printed plan brochures, with a calculator, a potted plant and a monitor showing a plan comparison chart

A Small Agency That Does the Homework

We work with clients across St. Petersburg and the rest of southern Pinellas County. People reach out when they lose job-based coverage, start a business, get married, have a baby or just get tired of a plan that costs too much for what it gives back.

Our approach is simple. We look past the monthly premium and figure out what a plan will really cost you over the year, then we tell you straight. If your current plan is still the best fit, we'll say so.

License
Licensed independent insurance agency

Questions We Hear Most

Something not covered here? (727) 349-5211

How do you get paid if the consultation is free?

The carrier you enroll with pays us. You owe nothing for our review, and your premium is the same whether you go through us or sign up on your own.

Is there a deadline to get health coverage?

For most plans, there is. Open enrollment each fall is the main time to sign up. The rest of the year, a life event such as losing other coverage, moving, getting married or having a baby can open a special enrollment period. Tell us what changed and we'll check whether you can enroll now.

Is the plan with the lowest premium the best pick?

Often it isn't. A small premium usually means a big deductible, so every visit costs you more. If you rarely see a doctor, that can work. If you have steady visits or ongoing medications, a higher premium may cost less over twelve months. We figure both totals for you.

Can I keep seeing my current doctor?

That depends on the network of each plan. We look up your doctors and mark which plans include them before we recommend one. If a particular doctor matters to you, tell us at the start.

Is there help paying for an ACA plan?

Many people qualify. Premium tax credits on ACA Marketplace plans are based on your income and the number of people on your tax return. We go over the income you expect and show what the credit does to your monthly cost.

Do I need a separate dental or vision plan?

Health plans for adults usually cover very little dental or vision care. Separate dental insurance or vision insurance can be worth it if you get regular cleanings, use glasses or contacts, or expect bigger dental work. We check waiting periods and yearly caps so you see what you'd actually get back.

What makes accident insurance different from a health plan?

After a covered injury, such as a broken bone or an accident-related hospital visit, accident insurance pays cash to you. You can use it for a deductible, copays or everyday bills while you heal. It sits next to a health plan and does not take its place.

Agent shaking hands with a smiling father across a meeting table as his wife and young daughter look on, an open enrollment folder, pen and two ID cards on the table

See What Your Plan Costs Over a Full Year

Have your current plan in hand, or just your questions. We'll set options from several carriers next to each other and show the twelve-month cost of each.

Your free plan review is one call away: (727) 349-5211