Licensed in Florida
Health, Life & Disability Insurance in Florida
Independent, fee-free help choosing health, life, and disability coverage across Florida. I work for you—not the insurance company.
Insurance in Florida
Florida is our home base, and it’s a uniquely do-it-yourself insurance market: more than a third of the workforce here is self-employed, gig-based, or working for small businesses that offer no coverage. That leaves a huge number of Floridians buying their own health, life, and disability protection with no HR department to lean on.
Florida uses the federal HealthCare.gov Marketplace, and more residents enroll through it than in any other state. Subsidies stretch further here than most people expect, but plan networks vary sharply from county to county, so matching a plan to your actual doctors matters more in Florida than almost anywhere.
Because Florida has no state income tax and a constant churn of new arrivals, the income you report for subsidies often swings year to year—commission earners and freelancers especially. We help you estimate your modified adjusted gross income realistically so your premium tax credit doesn’t trigger a repayment surprise at tax time, and we revisit it whenever your work or household changes.
- Population
- ~22.6 million residents
- Health marketplace
- Federal Marketplace (HealthCare.gov)
- Open Enrollment
- November 1 – January 15
- Short-term plans
- Available (not ACA-compliant)
- Licensed agent
- Liam is personally licensed in Florida.
- Major employers
- Publix, AdventHealth, Walt Disney World, NextEra Energy, BayCare
Straight talk
Short-term health plans are sold in Florida, but they skip pre-existing-condition protections and essential benefits—useful only as a true stopgap between coverage.
What we help Florida residents with
Marketplace & ACA health plans
Subsidy checks, network matching, and plan comparisons so you keep your doctors.
Life insurance
Term and permanent coverage sized to what your family would actually need.
Disability & income protection
The coverage most people forget until they can’t work—sorted before you need it.
Self-employed & small business
Coverage built for 1099 income, freelancers, and owners with no HR department.
Why work with a broker licensed in Florida
Insurance is regulated state by state, and an agent can only legally advise and enroll you if they hold a license in the state where you live. That rule protects you—it means the person recommending a plan actually knows Florida’s carriers, networks, and marketplace rules rather than guessing from out of state.
Liam is personally licensed in Florida, so working with Transparent Benefit Solutions in Florida is fully compliant—and because I’m independent, I compare plans across every carrier available to you instead of pushing one company’s products. My help is free; the carriers pay the commission, and your premium is identical either way.
Licensed in FL, GA, TX, TN, OH, NY, VA, WI, DC.
Nearby areas I serve
I work with clients across Florida. A few other places I help:
Florida insurance questions
No. As an independent broker I’m paid by the insurance carriers, not by you, so my help in Florida is free. Your premium is the same whether you enroll with me or on your own—you just get someone in your corner.
Florida uses the Federal Marketplace (HealthCare.gov) (HealthCare.gov). I help Florida residents enroll through it, confirm subsidy eligibility, and pick a plan whose network actually includes their providers.
Open Enrollment for Florida runs November 1 – January 15. Outside that window you can still enroll if you have a qualifying life event—losing job coverage, moving, marriage, or a new baby—and I can confirm whether you qualify for a Special Enrollment Period.
Absolutely—that’s a big part of who I work with in Florida. I’ll walk you through Marketplace subsidies based on your estimated net income, plus life and disability options that replace the employer benefits you don’t have.
You call me—not a 1-800 menu. As your broker in Florida I stay your point of contact after you enroll, so if a claim is denied, a bill looks wrong, or your plan changes at renewal, you have someone who already knows your situation and can help sort it out.
Let's find out what you're actually paying for.
A free 15-minute call, no obligation. Worst case, you learn your current plan is fine.