Serving Sarasota, FL
Health, Life & Disability Insurance in Sarasota, FL
Local, independent, fee-free help with health, life, and disability coverage in Sarasota, FL. I work for you—not the insurance company.
Insurance in Sarasota
Sarasota combines a nationally known arts scene with a large retiree and pre-retiree population and a strong base of self-employed professionals. Medicare-transition and early-retirement bridge coverage are daily topics here.
Sarasota is served by the highly rated Sarasota Memorial system. Because many residents retire early or split time between states, we focus on plans with the right network footprint and on timing the move from an ACA plan to Medicare correctly.
Sarasota’s early retirees and snowbirds need networks that work across state lines and correct timing into Medicare. We focus on plan footprints for people who split the year between two homes, and coordinate the ACA-to-Medicare handoff so there’s no coverage lapse and no duplicate premium.
- Population
- ~57,000 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
- Sarasota Memorial Hospital, PGT Innovations, Sarasota County Schools
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 Sarasota, 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 Sarasota, 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:
Sarasota insurance questions
No. As an independent broker I’m paid by the insurance carriers, not by you, so my help in Sarasota, 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 Sarasota 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 Sarasota, 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 Sarasota, 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.