About Find My Health Coverage
Licensed Florida health insurance agents dedicated to helping individuals and families find the right coverage—without the right employer.
Our Mission
We started Find My Health Coverage because we saw a gap in the health insurance market that no one was filling. Millions of Floridians fall into a frustrating middle ground: they're too young for Medicare, they don't get insurance through a job, and they're overwhelmed by the complexity of finding coverage on their own.
Our mission is simple: make individual health insurance understandable, accessible, and affordable for every Floridian who needs it. We believe that losing a job, starting a business, or retiring early shouldn't mean losing sleep over health coverage.
Every conversation we have starts with listening. We want to understand your life, your health needs, your budget, and your concerns before we ever mention a plan name. That's the difference between a quote engine and a guardian.
Our Expertise
Licensed & Certified
Every agent at Find My Health Coverage holds an active Florida Department of Financial Services health insurance license (License #2-15). We complete continuing education annually and maintain certifications with all major Florida carriers, including Florida Blue, Ambetter, Molina, Oscar, Aetna, Cigna, and UnitedHealthcare.
Marketplace Certified
We are certified agents on the Federal Health Insurance Marketplace (Healthcare.gov) and can enroll clients in ACA plans with full subsidy eligibility. We also maintain direct appointments with carriers for off-marketplace plans, giving you access to the widest possible range of options.
Decade of Experience
Since 2015, we have guided hundreds of Southwest Florida residents through the individual insurance market. We've navigated major ACA changes, the elimination of the individual mandate penalty, the expansion of enhanced subsidies, and annual carrier and plan shifts specific to Collier County.
Local Market Knowledge
Health insurance is intensely local. The carriers, networks, and premiums available in Naples differ from those in Miami, Orlando, or Jacksonville. We track which hospitals and physician groups are in which networks, which carriers are entering or leaving the Collier County market, and how rate changes affect our clients year over year.
Why Work with a Local Agent Instead of Going Online?
You can buy health insurance on Healthcare.gov or directly from a carrier website. So why work with us? Here's what a local advisory brings to the table that a website cannot:
We Cost You Nothing
Our services are completely free to you. We're compensated by insurance carriers when you enroll through us. The premiums you pay are identical whether you use an agent or go direct—it's built into the system. You get expert guidance at zero additional cost.
We See the Full Picture
Healthcare.gov only shows you ACA Marketplace plans. We compare those alongside off-marketplace plans, short-term coverage, health sharing options, and supplemental policies. Many clients find their best option is one they wouldn't have discovered on their own.
We Speak Human, Not Insurance
Deductibles, coinsurance, out-of-pocket maximums, formulary tiers, prior authorizations—the jargon is designed to confuse. We translate all of it into plain language so you understand exactly what you're buying before you commit.
We're Here After You Enroll
When you buy online, you're on your own if something goes wrong. When you work with us, you have a real person to call about billing issues, claims denials, provider network questions, or mid-year life changes that affect your coverage. We're your ongoing advocate, not a one-time transaction.
We Catch Expensive Mistakes
Choosing the wrong metal tier, missing a Special Enrollment Period deadline, failing to report income changes, or enrolling in a plan where your doctor is out-of-network—these are costly errors we prevent every day. One prevented mistake can save thousands of dollars.