Serving Tampa, FL
Health, Life & Disability Insurance in Tampa, FL
Local, independent, fee-free help with health, life, and disability coverage in Tampa, FL. I work for you—not the insurance company.
Insurance in Tampa
Tampa’s economy leans heavily on healthcare, finance, and a large, growing population of self-employed professionals, contractors, and gig workers drawn by the city’s tech and startup boom. That independent workforce is exactly who gets left out of employer coverage and has to build their own health, life, and disability plan.
Tampa sits in Hillsborough County, served by major systems like Tampa General and BayCare, so networks here are broad—but the premium spread between carriers is wide. Because so many Tampa residents are 1099 or run one-person businesses, we spend a lot of time comparing Marketplace subsidies against private and one-employee group options.
Tampa’s startup and gig economy means a lot of clients with commission or 1099 income that varies month to month. We estimate your annual income conservatively enough to avoid a tax-time clawback, and we pair your health plan with disability coverage—because a solo operator in Tampa has no employer sick leave to fall back on.
- Population
- ~403,000 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
- Tampa General Hospital, MacDill Air Force Base, USAA, Citigroup, Publix
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 Tampa, 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 Tampa, 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:
Tampa insurance questions
No. As an independent broker I’m paid by the insurance carriers, not by you, so my help in Tampa, 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 Tampa 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 Tampa, 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 Tampa, 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.