Florida insurance, without the runaround.
Matt Giron — an independent agent licensed in Florida. Compare Medicare, ACA, and Life plans from major carriers.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
Shopping plans from major carriers
- Humana
- UnitedHealthcare
- Aetna
- Cigna
- Mutual of Omaha
- Florida Blue
- WellCare
- Anthem
- Blue Cross Blue Shield TX
All Florida insurance products we help with
Largest ACA marketplace in the U.S. — 4.54M enrollees in 2026 per CMS National Snapshot. 27% of under-65 Floridians on marketplace coverage; 98% subsidized. Benchmark silver up 34.1% in 2026.
Medicare Advantage
Part C plans that bundle hospital, medical, and usually drug coverage.
Medicare Supplement (Medigap)
Plans G, N, and high-deductible G that fill the gaps in Original Medicare.
Medicare Part D
Standalone prescription drug plans, including the 2026 $2,100 out-of-pocket threshold.
ACA Health Insurance
Marketplace plans for under-65 Texans and Floridians, with subsidy verification.
Final Expense
$5,000-$50,000 simplified-issue whole life for funeral and burial costs.
Term Life Insurance
10-, 20-, and 30-year level term — the cheapest way to cover a mortgage or income.
Whole Life Insurance
Permanent insurance with guaranteed cash value and level premiums.
Florida data
Medicare Advantage in Florida counties
4,800,000+ Medicare beneficiaries statewide; 58% on Medicare Advantage as of CMS Q1 2024. We list the top 5 counties by MA penetration below — these are also our most-popular consult locations.
- Total benes
- 5.0M+
- Avg MA %
- 52%
- Avg 65+
- 23%
Sources: KFF Medicare Advantage 2024 · CMS Medicare Monthly Enrollment · U.S. Census ACS 5-Year
- #1 Miami-Dade County Miami80%505,044 Medicare benes 19% age 65+
- #2 Osceola County Kissimmee72%77,099 Medicare benes 14% age 65+
- #3 Liberty County Bristol69%1,578 Medicare benes 14% age 65+
- #4 Gadsden County Quincy68%8,858 Medicare benes 21% age 65+
- #5 Pasco County Spring Hill66%147,690 Medicare benes 24% age 65+
Plans by county
- Lafayette County (Mayo)
- Liberty County (Bristol)
- Miami-Dade County (Miami)
- Broward County (Fort Lauderdale)
- Palm Beach County (West Palm Beach)
- Hillsborough County (Tampa)
- Pinellas County (Clearwater)
- Lee County (Cape Coral)
- Orange County (Orlando)
- Duval County (Jacksonville)
- Polk County (Lakeland)
- Brevard County (Palm Bay)
- Volusia County (Daytona Beach)
- Osceola County (Kissimmee)
- Alachua County (Gainesville)
- Sarasota County (Sarasota)
- Bay County (Panama City)
- Okaloosa County (Crestview)
- Pasco County (Spring Hill)
- Leon County (Tallahassee)
- Marion County (Ocala)
- Clay County (Orange Park)
- Nassau County (Fernandina Beach)
- Lake County (Clermont)
- Highlands County (Sebring)
- Manatee County (Bradenton)
- Collier County (Naples)
- Sumter County (The Villages)
- Charlotte County (Port Charlotte)
- Citrus County (Inverness)
- Hernando County (Brooksville)
- Indian River County (Vero Beach)
- Martin County (Stuart)
- St. Johns County (St. Augustine)
- Seminole County (Sanford)
- St. Lucie County (Port St. Lucie)
- Escambia County (Pensacola)
- Santa Rosa County (Milton)
- Flagler County (Palm Coast)
- Walton County (DeFuniak Springs)
- Monroe County (Key West)
- Putnam County (Palatka)
- Columbia County (Lake City)
- Hendry County (Clewiston)
- Levy County (Chiefland)
- Jackson County (Marianna)
- Suwannee County (Live Oak)
- Gadsden County (Quincy)
- Okeechobee County (Okeechobee)
- Wakulla County (Crawfordville)
- DeSoto County (Arcadia)
- Baker County (Macclenny)
- Bradford County (Starke)
- Washington County (Chipley)
- Hardee County (Wauchula)
- Gilchrist County (Trenton)
- Taylor County (Perry)
- Holmes County (Bonifay)
- Madison County (Madison)
- Dixie County (Cross City)
- Union County (Lake Butler)
- Jefferson County (Monticello)
- Gulf County (Port St. Joe)
- Hamilton County (Jasper)
- Calhoun County (Blountstown)
- Glades County (Moore Haven)
- Franklin County (Apalachicola)
Why we only work in Florida and Florida
Largest ACA marketplace in the U.S. — 4.54M enrollees in 2026 per CMS National Snapshot. 27% of under-65 Floridians on marketplace coverage; 98% subsidized. Benchmark silver up 34.1% in 2026.
Regulatory anchors: F.S. §626.9541 (Unfair Methods of Competition) · FAC Ch. 69O-150 (Life & Health Advertising) · F.S. §626.748 (5-yr record retention, superseded by federal ACA 10-yr rule).