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Homestead Insurance — Medicare, ACA, Life

80,737 Homestead residents — independent comparisons from a licensed Florida agent.

✓ Free • no obligation • about 90 seconds

Matt Giron

Licensed in Texas

Homestead at a glance

What makes Homestead different: Homestead is the agricultural heart of South Florida, sitting between the Everglades and the Keys, and was largely rebuilt after Hurricane Andrew flattened the city and the adjacent Homestead Air Force Base in 1992.

Homestead population: 80,737
Miami-Dade County Medicare: 505,044
MA penetration (county): 80%
Spanish-speaking market: Yes — bilingual

Neighborhoods we cover: Downtown Homestead · Keys Gate · Malibu Bay · The Townhomes · Waterstone · Portofino

Products we offer in Homestead

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.

Talk to a real Florida agent

Pick a time — no sales pressure, no obligation. We'll walk through the plans that fit Homestead.

Frequently Asked Questions

Who are the top Medicare carriers in Homestead?

Across Miami-Dade County (which includes Homestead), the leading Medicare Advantage carriers are UnitedHealthcare MedicareMax FL-0028, Humana Gold Plus H1036-054C, UnitedHealthcare Preferred FL-0001. We work with all of them and most of the smaller carriers.

Where do most Homestead residents go for care under Medicare Advantage?

Major hospital systems in Miami-Dade County include Jackson Memorial Hospital, Baptist Hospital of Miami, Mount Sinai Medical Center. Most MA plans build their networks around these systems — so the right plan depends on which hospital your doctor is affiliated with.

How do I get free help in Homestead?

Two free options: (1) your local SHIP — Florida SHINE — Miami-Dade at 1-800-963-5337 — and (2) us. SHIP counselors give unbiased plan information but cannot enroll you. We can do both at no cost to you.