Serving St. Petersburg, FL
Health, Life & Disability Insurance in St. Petersburg, FL
Local, independent, fee-free help with health, life, and disability coverage in St. Petersburg, FL. I work for you—not the insurance company.
Insurance in St. Petersburg
St. Petersburg pairs a large creative and small-business community with a sizable population of retirees and pre-Medicare residents. The city’s downtown arts and hospitality scene runs on independent workers who rarely get coverage through an employer.
St. Pete is in Pinellas County, where Johns Hopkins All Children's and BayCare anchor strong networks. We frequently help residents here bridge the gap to Medicare at 62–64 and compare individual plans for freelancers who’ve aged off a parent’s or spouse’s plan.
For St. Pete’s freelancers and gallery-and-restaurant workers, income is often seasonal, which complicates the subsidy math. We project your year realistically so your credit is accurate, and for residents nearing 65 we coordinate the exact month an ACA plan should end and Medicare should begin so you never double-pay.
- Population
- ~258,000 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
- Raymond James Financial, Jabil, Johns Hopkins All Children's Hospital, Duke Energy
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 St. Petersburg, 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 St. Petersburg, 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:
St. Petersburg insurance questions
No. As an independent broker I’m paid by the insurance carriers, not by you, so my help in St. Petersburg, 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 St. Petersburg 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 St. Petersburg, 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 St. Petersburg, 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.