Texas & Florida · An independent agency
Insurance, explained by someone who actually returns your call.
Matt Giron helps Texas and Florida families choose Medicare, ACA Health, Life, Annuities, and Long-Term Care — with no fees, no pressure, and a real person all year long.
- Licensed in Texas
- No fees — ever
- No-pressure, independent advice
Matt Giron
Independent agent · TX & FL
What can we help you with?
Pick where you are today. Every path ends with a real person, not a robo-quote.
Medicare
Advantage, Medigap & Part D — compared for your doctors and drugs.
ExploreACA Health
Under-65 Marketplace plans with subsidy checks for TX & FL.
ExploreLife Insurance
Term & whole life to protect income, a mortgage, or a family.
ExploreFinal Expense
Simplified-issue whole life for funeral and burial costs.
ExploreAnnuities
Principal-protected, index-linked retirement income.
ExploreLong-Term Care
Life + LTC hybrids so benefits are never "use it or lose it."
ExploreShop your way
However you like to make decisions, there's a path that fits.
Talk with us
Call or book a 15-minute consult. We answer our own phones and never read from a script.
Book a consultCompare options
Enter your ZIP and see the carriers in your county, side by side, with no signup wall.
Start comparingLearn first
Read plain-English guides, run the subsidy calculator, or browse real county data.
Explore guidesStart in 30 seconds
See your real options by ZIP
Plans and carriers vary by county. Tell us where you live and what you're looking for — we'll point you to the right comparison. No phone number required to look.
- Your ZIP stays private
- No spam, no robo-calls
- A real person if you want one
Carriers we can help you compare
Giron Agency shops top-rated national carriers to help you find the right fit. We compare plans side-by-side so you get the right coverage for your situation — not the one with the biggest commission.
- Aetna
- Corebridge
- Allianz
- Ambetter
- Americo
- Anthem
- Athene
- BCBS
- Cigna
- Devoted
- Florida Blue
- Foresters
- Friday
- Gerber
- Humana
- Mutual of Omaha
- Oscar
- Prosperity
- SCAN
- Transamerica
- UHC
- Wellcare
Carrier names shown are illustrative of the national plans we can help you compare and do not imply an appointment with, or endorsement by, any carrier. We disclose any carrier conflict of interest before a recommendation. For Medicare: Medicare.gov has every plan; we do not offer every plan available in your area.
How it works
Four simple steps — and you're in control at every one.
- 1
Tell us what you need
Share your ZIP, your situation, and what matters most — your doctors, drugs, or budget.
- 2
We narrow the options
We compare the carriers serving your county and rule out the ones that don't fit.
- 3
You compare clearly
See a clean, apples-to-apples side-by-side — total cost, networks, and trade-offs.
- 4
You choose the next step
Enroll when you're ready, or just keep our number. No obligation, ever.
Meet Matt
Matt got tired of watching neighbors get rushed through insurance decisions by agents they'd never hear from again. So he built something different: a small, local practice where the person who quotes you is the same person who picks up the phone next year when your plan changes or a claim gets confusing.
Talk to a real agent
No call centers. The person who quotes you is the person who answers the phone next year.
📞 (305) 306-3301 (FL)
Serving Texas & Florida
In person, by phone, or video
Why families choose us
No gimmicks, no fake five-star walls — just the way we actually work.
Family-focused guidance
An independent agency, not a call-center queue. The person who quotes you is the person who answers next year.
Plain-English explanations
No jargon, no scare tactics. We translate the fine print so you can decide with confidence.
Texas & Florida focused
We work two states deeply instead of fifty shallowly — so we know the carriers, networks, and rules.
Medicare, ACA & life education
Free guides, calculators, and county data — learn first, decide when you're ready.
No-pressure help
An independent agent paid by the carriers, not by you. Quote, compare, and walk away anytime.
Understand your options
A quick, honest primer on each product — who it's for and what to watch for.
Medicare
Who it helps: Turning 65, on disability, or reviewing your current plan.
What to watch for: Advantage networks are county-specific; the cheapest premium is rarely the lowest total cost.
Learn moreACA Health
Who it helps: Under 65, self-employed, or between jobs in Texas or Florida.
What to watch for: The 400% subsidy cliff returned for 2026 — one dollar over can mean full price.
Learn moreLife Insurance
Who it helps: Anyone with a mortgage, young family, or income others rely on.
What to watch for: Lock in level term while you're healthy; rates rise every year you wait.
Learn moreFinal Expense
Who it helps: Seniors who want to spare family the cost of a funeral.
What to watch for: Avoid graded plans with a 2-year waiting period if you qualify for immediate coverage.
Learn moreAnnuities
Who it helps: Pre-retirees wanting guaranteed income they can't outlive.
What to watch for: Read the surrender schedule and the real index cap — not the headline rate.
Learn moreLong-Term Care
Who it helps: Planning for assisted living or in-home care costs.
What to watch for: Hybrid life+LTC pays heirs even if you never need care — unlike old standalone LTC.
Learn moreFree tools that do the homework
Built on real CMS & carrier data — ask, search, and compare before you ever talk to us.
Questions, answered
The basics on Medicare, ACA, life, final expense, annuities — and how to reach us.
Frequently Asked Questions
What states are you licensed in?
Matt Giron is a Texas-resident licensed insurance agent. We focus only on Texas and Florida residents — that focus lets us know the carriers, networks, and state rules at a deeper level than a 50-state agency.
Do you charge a fee?
No. Like most an independent insurance agent, we are compensated by the carriers when you enroll. There is no cost to you for using our service.
How is Medicare Advantage different from Medigap?
Medicare Advantage replaces Original Medicare with a private plan that usually bundles Part D and extras (dental, vision), but uses a local network. Medigap supplements Original Medicare and works with any provider nationwide that accepts Medicare. We compare both for your situation.
What changed with ACA subsidies for 2026?
The enhanced premium tax credits expired December 31, 2025, restoring the 400% federal-poverty-level subsidy cliff. Benchmark premiums rose sharply (Florida ~34%). We model your exact subsidy scenario before you re-enroll.
What is final expense insurance?
A small simplified-issue whole life policy ($5,000–$50,000) designed to cover funeral, burial, and final medical costs so your family isn't left with the bill. No medical exam in most cases.
Are annuities safe?
A fixed indexed annuity protects your principal from market losses while crediting interest tied to an index. The trade-offs are surrender periods and rate caps — we walk through both in plain English before anything is signed.
Do I have to give my phone number to get a quote?
No. The ZIP form only requires a ZIP. You'll see options and our number — you call us if and when you want to.
How do I reach Matt?
Call our Texas line at (713) 997-5768 or our Florida line at (305) 306-3301, email hello@gironagency.com, or book a 15-minute call on our calendar. We answer our own phones.
Explore the site
or start the 90-second quote →Jump to a state: Texas insurance overview · Florida insurance overview
Ready to make insurance less confusing?
Start with your ZIP, or just call us. We'll meet you wherever you are — no pressure, no fees.