Florida Health Insurance, Sorted by Someone Who Knows the Market
Florida has more health insurance options than almost any other state in the country — and that is exactly why having an independent broker in your corner matters.
We are a woman-owned, independent brokerage based in the Venice and North Port area, and we serve clients across all of Florida. Whether you are shopping for Medicare, ACA marketplace coverage, or health benefits for your small business, we consult — we do not sell. That means every recommendation we make is based on what fits your situation, not which carrier pays the highest commission.
Florida Has More Plan Options. We Hold Appointments Across Them.
Florida consistently ranks among the highest states in the country for Medicare Advantage plan availability. In many Florida counties, beneficiaries can choose from dozens of competing plans — different networks, different drug formularies, different premium structures, and different out-of-pocket limits. For someone without a guide, that volume is not an advantage. It is a maze.
We hold carrier appointments across the Florida market, which means we can pull plans side by side and walk you through what each one actually covers for your doctors, your prescriptions, and your budget. Before we recommend anything, we run a full prescription and provider network analysis. That step is standard for every client — not an upsell.
Florida's ACA marketplace operates through the federal exchange at healthcare.gov, and the plan landscape shifts each year. We help individuals, families, and self-employed Floridians find coverage that holds up — not just the lowest premium on the screen.
A Named Agent Who Knows Florida — Not a Call Center That Happens to Be Licensed Here
When you call Hughes Mitchell Insurance, you reach Jenny Hughes Mitchell or Grace Ryan directly. No hold queues. No handoffs to a representative who has never spoken with you before. Jenny has been in the insurance industry since 2001, and our team has built its reputation in the Florida market by showing up, following through, and cleaning up situations that other agents left behind.
We are based in the Venice and North Port area of Sarasota County, and we serve clients from Pensacola to Miami — all by phone, video, or email. If you prefer to work with someone who understands Florida's specific plan landscape and will still return your call at the end of the day, that is what we do.
Moving to Florida? Your Coverage May Not Move With You.
Relocating to Florida is one of the most common coverage transition situations we handle. Moving to a new state is a qualifying life event that can open a Special Enrollment Period for ACA marketplace coverage — and if you are on Medicare Advantage, your current plan's network almost certainly does not follow you across state lines.
We guide clients through coverage transitions so there is no gap between when you arrive and when you are covered. If you are retiring to Florida, approaching Medicare eligibility, or leaving an employer plan behind when you make the move, we can map out exactly what needs to change and when.
Health Insurance Services We Offer Across Florida
We work with Florida residents at every coverage stage:
- Medicare — Supplement (Medigap), Medicare Advantage, and Part D prescription drug plans, with side-by-side carrier comparison and full network analysis before any recommendation
- ACA Marketplace — Individual and family plans through the federal exchange, including guidance on subsidy eligibility and plan-year changes
- Short-Term Health Insurance — Bridge coverage for Floridians between jobs, waiting for Medicare, or navigating a qualifying life event
- Dental and Vision — Self-service quoting available through our site for individuals who prefer to shop on their own schedule
- Small Group Health Insurance — Group medical, dental, vision, and employee benefits for Florida small businesses
- Supplemental and Worksite Benefits — Accident, hospital indemnity, and other supplemental coverage that layers on top of a primary plan
Frequently asked questions
Questions Florida Clients Ask Us Most
How many Medicare Advantage plans are available in Florida?
Florida is one of the most carrier-dense Medicare markets in the country. Depending on your county, you may have access to dozens of Medicare Advantage plans from carriers including UnitedHealthcare, Humana, Centene, Wellcare, and others. The number of options is not the challenge — knowing which one fits your doctors and medications is. We run a full network and formulary analysis before recommending any plan.Can I get ACA health insurance in Florida if I am self-employed?
Yes. Self-employed individuals and sole proprietors in Florida can enroll in ACA marketplace coverage through healthcare.gov during Open Enrollment or through a Special Enrollment Period if you have had a qualifying life event. Depending on your income, you may qualify for premium tax credits that significantly reduce your monthly cost. We help self-employed Floridians find plans that cover their providers and fit their income picture. I am moving to Florida from another state. What happens to my health insurance? Moving to Florida triggers a Special Enrollment Period for ACA marketplace coverage, which gives you a window to enroll in a Florida plan outside of Open Enrollment. If you are on Medicare Advantage, your current plan's network is tied to your previous state — you will need to select a Florida-based plan. We handle coverage transitions for clients relocating to Florida and can walk you through what needs to change before your move date.Do you serve clients across all of Florida, or only the Sarasota area?
We are based in the Venice and North Port area of Sarasota County, and we serve clients across all of Florida — including the greater Tampa Bay area, Orlando, Jacksonville, South Florida, and the Panhandle. All consultations are available by phone, video call, or email, so location within the state is never a barrier. What makes an independent broker different from going directly to a carrier or using a marketplace navigator? An independent broker holds appointments with multiple carriers and can compare options across the full market — we are not limited to one company's plans. We are compensated by carriers at a standardized rate, so there is no financial incentive to push one plan over another. Navigators can help with enrollment but typically cannot advise on which plan is the better fit for your specific situation. We consult on the full picture: network, formulary, cost-sharing, and how a plan performs for your actual health needs.
Ready to Talk Through Your Florida Coverage?
Whether you are new to Florida, approaching Medicare, or just overdue for a plan review, we are here to help you find coverage that actually fits. Reach out to schedule a consultation — no pressure, no obligation, just a clear conversation about your options.
