Serving Clearwater, FL
Health, Life & Disability Insurance in Clearwater, FL
Local, independent, fee-free help with health, life, and disability coverage in Clearwater, FL. I work for you—not the insurance company.
Insurance in Clearwater
Clearwater’s economy blends tourism, technology distribution, and a steady stream of retirees relocating for the beaches. Hospitality and tourism workers here are often part-time or seasonal, which leaves coverage gaps we help fill.
Clearwater sits in Pinellas County and is served largely by BayCare’s Morton Plant network. Seasonal income makes subsidy estimates tricky here, so we help residents project annual income correctly to avoid Marketplace surprises at tax time.
Because tourism and hospitality pay in Clearwater swings with the season, we spend extra time on income projection—underestimate and you owe at tax time, overestimate and you overpay all year. For part-time and seasonal workers, we also check whether a spouse’s plan or a Marketplace plan is genuinely the cheaper route.
- Population
- ~117,000 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
- TD SYNNEX (Tech Data), Honeywell, BayCare Morton Plant Hospital
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 Clearwater, FL 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 Clearwater, FL 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:
Clearwater insurance questions
No. As an independent broker I’m paid by the insurance carriers, not by you, so my help in Clearwater, FL 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 Clearwater 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 Clearwater, FL. 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 Clearwater, FL 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.