Your Health is Everything Health insurance broker in Tampa for the self-employed and families
Escape the broken system. Choose private healthcare.
Rather see a ballpark first? Get a quick price estimate
Open Enrollment 2027
Enroll by December 15 for coverage that starts January 1:
If approved, private plans can start any month, so you can compare both before you commit.
Which One Sounds Like You?
Tell me where you are and I'll send you to the page I wrote for exactly that. Every one ends with a real quote, not a sales pitch.
- I'm 1099 or self-employedFreelancers, contractors, realtors and owner-operators buying their own plan.See my options
- I earn too much for a subsidyFull-price Marketplace quotes? Compare plans priced on health, not income.See my options
- My job coverage is endingLeaving a job or COBRA running out. You have 60 days to choose.See my options
- I'm retiring before 65Cover the years between your last paycheck and Medicare.See my options
- My spouse and kids need a planOne family plan or split plans, whichever costs your household less.See my options
- I own a small businessJust you, or you and a team: individual, group or ICHRA.See my options
Why Us
Five reasons families across 31 states pick FC Insurance Solutions.
Accuracy That Delivers
Every recommendation is backed by thorough research and real-world expertise. You get clear, dependable guidance — never guesswork.
Your Pace, Your Choice
We believe in conversations, not sales pitches. Ask questions, take your time, and decide when you're ready — zero pressure, always.
Built on Trust
Health coverage is personal. We treat it that way — with genuine care, deep industry knowledge, and a focus on what truly protects you and your family.
White-Glove Support
Forget automated phone trees. You get a real advisor who knows your file, answers your calls, and walks you through every option — public or private.
Coverage Across America
Licensed in 31 states and growing. We don't just sell policies — we architect lasting protection so you can focus on living, not worrying.
Earn too much for a subsidy? Start here.
The marketplace looks at your income and says no to discounts. The quotes you get without them look like a car payment, and sometimes a mortgage payment. You’re not doing anything wrong. You’re just in the one spot the system forgot about, and it’s the main spot I work in.
I specialize in private health coverage for people under 65 who don’t get help from an employer or the government:
Here’s how it goes.
- 1
You call or text me. I pick up.
- 2
I ask what you need and what you can spend, and I tell you what actually fits, including when the answer is a plan I don’t work with.
- 3
Either way, I’ll point you in the right direction and leave you better off than I found you.
No robocalls. No runaround. Just a person who works for himself too and knows what it’s like to pay for your own coverage.
Getting Covered With a Broker Who Picks Up the Phone
One conversation, both markets side by side, and me on the phone from your first call to your first claim.
- 1
Tell me what's going on
A 15-minute call or video chat. Who needs coverage, the doctors and prescriptions you want to keep, your budget and what's changing in your life.
- 2
I lay out the options side by side
Marketplace plans with your real tax credit next to private plans priced on your health. You see the monthly cost, the deductible and how each one handles the care you actually use.
- 3
You choose, and I stay your contact
I handle the application with you. Afterward, billing questions, claims trouble, a new baby or a move all go to the same person: me.
Private Plan or Marketplace: Which One Fits?
Most people who buy their own health insurance only ever see one side. HealthCare.gov shows Marketplace plans. An insurance company's website shows its own plans. I'm licensed to offer both, so I can put them next to each other and tell you which one wins for your situation.
The Marketplace takes everyone regardless of health, and a tax credit can lower the price if your household income qualifies. You sign up during open enrollment or within 60 days of a life event like losing other coverage. Many Marketplace plans use narrower local networks.
Private plans take applications any day of the year. They're priced on your age, location and health answers, so approval isn't guaranteed and benefits vary by plan. For healthy people who earn too much for a tax credit, a private plan can be worth comparing.
If the Marketplace is the better buy for you, that's where I enroll you. There's no fee either way; the insurance company pays me. Here's exactly how that works.
Who I Help Most
- Tampa Bay residents who want a local health insurance broker
- Self-employed and 1099 workers
- Families buying their own plan
- People leaving a job or ending COBRA
- Early retirees under 65
- Small business owners
- Nurses, trades and other professions
I'm a health insurance broker based in Tampa, licensed in 31 states, and I work with clients everywhere I'm licensed by phone or video, in English or Spanish. See the full list on the service areas page.
Good Places to Start
Three Ways to Buy Your Own Coverage
All three cost you the same to use. The difference is who's on your side when you choose, and after.
| Question | On your own (HealthCare.gov) | A carrier or call center | With Frank |
|---|---|---|---|
| Your point of contact | HealthCare.gov's help center | A rotating sales queue | Frank, by phone, text or video |
| Puts Marketplace and private plans side by side | N/A | N/A | |
| Looks up your doctors and prescriptions before you apply | Up to you | Sometimes | |
| Gives you a straight recommendation | N/A | Usually its own plan | |
| Spanish | Separate Spanish site | Varies | Yes, Frank is bilingual |
| Reviews you can check | N/A | Varies | 4.9★ from 78 Google reviews |
| After you enroll (claims, billing, a move, a new baby) | Call the help center | Call the insurer | The same person: Frank |
| Cost to you | No fee | No fee | No fee |
Reviews
Real words from real families we've helped.
Extremely helpful with a desire to assist you. He seems very passionate for the people he is offering help to. I would highly recommend him for services that are available for you.
Frank was great to work with! He made the entire insurance process easy to understand, answered all my questions, and helped me find the right coverage for my needs. He was professional, knowledgeable, and genuinely cared about helping me. I highly recommend Frank to anyone looking for insurance!
Very knowledgeable, made things very clear it felt like he truly cared about my family’s situation. Bonus points frank is bilingual which made it easy for my mom to understand
¡Súper recomendado Frank! 🙌🏼 Tuve una muy buena experiencia con él, me ayudó muchísimo con todo el proceso y tuvo muchísima paciencia para responder cada una de mis preguntas. Siempre estuvo pendiente y dispuesto a ayudarme con cualquier duda que tenía. Se nota que le importa brindar un buen servicio y que sus clientes queden satisfechos. ¡Gracias por toda la ayuda, Frank! Definitivamente lo recomiendo 100%. ⭐️⭐️⭐️⭐️⭐️
Frank was extremely professional, knowledgeable, and friendly. He clearly explained my health insurance options, patiently answered all my questions, and made the entire process smooth and straightforward.
Working with FC Insurance Solutions, LLC and owner Frank Caballero made a stressful transition after losing employer coverage much easier. He was incredibly responsive, quickly guiding my wife and I through what can feel like a maze of insurance options. Frank took the time to match us with a plan that fit both our medical needs and our budget, without overcomplicating the process. Even after enrollment, he’s remained attentive and helpful—highly recommended!.
I reached out to Frank in a bad situation with the threat of us not being able to afford health insurance due to the way the healthcare system is broken. That is an extremely stressful situation being that this would be the first time in our lives that we were without health insurance. I expected to be badgered and pushed to purchase insurance. It was quite the opposite. He just simply answered my questions and was sympathetic to the situation but never once did he ask me to purchase insurance. He just told me what I needed to know to make a decision. I cannot recommend him enough to tell people how amazing he is and how he diffused a potentially stressful situation in this day and age. He is one of a kind. Lila
I contacted Frank in February knowing that I would need insurance then or in the coming months. In past few days I worked with Frank and others to acquire health coverage that supports me and my wife in our tweener years: We’re a few years out from 65 but entering full-on retirement. Frank will take care of you, either directly or with his connections.
Frank is absolutely great to work with! He is knowledgeable, professional and most of all, patient! He recently helped me on figuring out a policy that would fit my needs on what I was looking for. He responded back to me in a timely manner and was the kindest person and very polite. Would highly recommend him for your insurance needs.
Excelente el señor Frank Caballero 🤝 amable, muy profesional, muy entregado a sus clientes ..muchas gracias por tu servicio de calidad, si le pudiera dar 10 estrellas se las daría 🙏gracias !!!
I cannot say enough great things about Frank. He was professional and very knowledgeable. Obtaining healthcare insurance can be a challenge and task. He made the process easy & smooth. I would highly recommend him to anyone! I look forward to working with him in the future for any of our healthcare Insurance needs. Don’t hesitate to give him a call. You will not be disappointed.
Frank is absolutely great to work with! He is knowledgeable, professional and most of all, patient! He recently signed us up for health insurance. He found a policy that fit our needs perfectly. We took our time combing over the details of the policy and checking his credentials. He was so patient and gracious throughout the entire process. I am looking forward to having Frank as our agent!
Frank provided incredible advice and assistance during the busiest time of year for agents and brokers. He listened to my issues and concerns and explained my options thoroughly. He is extremely professional and more importantly empathetic.
Frank Caballero, owner of FC Insurance Solutions, was able to locate a much more reasonabley priced individual health insurance plan for me which covers my needs well. The "affordable" health plan premiums in Healthcare.gov are a joke! Frank helped direct my husband to the appropriate colleague when the insurance application process didn't go as we all expected. Colleague was able to take care of things. You will be in excellent hands with Frank Caballero!
Very Impressed with the level of support, professionalism and salesmanship that Frank and his associates showed me while purchasing my first health insurance policy. Would highly recommend him for all my friends and family. I’m fully covered to my needs and he’s always willing to help if i have any questions or concerns about my policy. Would give more than 5 stars if I could.
About Your Health Advisor
Frank Caballero · Licensed Health Advisor
As your dedicated health coverage advisor, my primary role is to streamline the process of selecting the optimal health insurance plan tailored to your specific budget and circumstances.
As a licensed advisor, I specialize in private plans that are not income-based but rather focused on your health. These plans reward individuals who are in good health — optimizing your savings while providing enhanced benefits.
Together, let us secure the ideal health insurance plan, combining financial prudence with robust coverage options.
Meet Valentina
Executive Assistant · FC Insurance Solutions
Valentina works alongside Frank to ensure every client receives personalized attention and guidance throughout the insurance selection process.
With a passion for helping families find the right coverage, she brings warmth and expertise to every consultation — making the experience seamless and stress-free.
Coverage Across America
Independent broker — multi-carrier appointments
78 Google reviews
National Producer Number — verify at nipr.com
Don't see your state in gold? Email fcinsurancehealthadvisors@gmail.com — Frank's licensing in new states regularly.
PPO, HMO, EPO or POS?
The letters decide which doctors you can see and how much freedom you have. Here's the quick version.
| Question | PPO | HMO | EPO | POS |
|---|---|---|---|---|
| In one line | Most freedom to choose doctors | Lowest cost, tightest network | Network only, no referrals | HMO with some out-of-network |
| Need a primary care doctor? | No | Yes | Usually no | Yes |
| Referral to see a specialist? | No | Yes | No | Usually yes |
| Out-of-network care covered? | Yes, at a higher cost | Emergencies only | Emergencies only | Yes, at a higher cost |
| Typical monthly cost | Higher | Lower | Middle | Middle |
| Often a fit for | People who travel or want to keep specific doctors | Budget-first, happy with one local network | Flexibility without paying PPO prices | Mostly local care with an occasional outside visit |
General rules; every plan has its own details. Many Marketplace plans are HMOs or EPOs, while private plans more often use broad networks. Read more in the PPO guide and the glossary.
Get in Touch
Ready to find the right plan? Pick a time that works for you.
- Year-Round Enrollment
Private plans don't require Open Enrollment. If approved, coverage can start the first of next month.
- Open Enrollment: Nov 1 – Jan 15
For ACA plans on HealthCare.gov; state exchanges set their own dates. We can prep your case ahead of time.
- Qualifying Life Events
New job, marriage, baby, moving states — a 60-day Special Enrollment Period.
- Assess your budget, health status, and coverage needs
- Compare individual, family, and group plans
- Walk through tax deductions and available discounts
- Personalized support to make the decision stress-free
- 15-min intro call · no pressure
- Licensed advisor, not a call center
- Same-week openings most weeks
Pick a time for your free 15-minute call
Opens the live calendar right here. Mornings, evenings and most weekends are available.
FAQ
Private plans are medically underwritten, so approval depends on your health answers and is not guaranteed. Many healthy applicants qualify. During your consultation, we'll review your situation, and if a private plan isn't a fit, we'll show you Marketplace options.
Having a pre-existing condition doesn't mean you're out of options. Depending on your condition, we can explore ACA marketplace plans (which cannot deny coverage for pre-existing conditions), private plans that fit your medical history, or supplemental coverage to fill gaps. We'll walk you through every option so you can make the best decision.
No! While ACA/marketplace plans typically require open enrollment periods, many private health insurance plans can be purchased year-round. Supplemental coverage and certain health sharing programs are available any time. We'll help you find coverage whenever you need it.
Not necessarily. Private health insurance comes in a wide range of price points depending on your age, health status, and coverage needs. Some of our clients find private plans that cost less than full-price marketplace options. Deductibles and networks vary by plan, so we compare them side by side. Let us show you what's available.
ACA plans offer guaranteed coverage regardless of health status and may include subsidies, but can have high premiums and limited networks. Employer coverage is often subsidized by your employer but limits your plan choices. Private health insurance offers more flexibility in plan design, provider networks, and pricing — and can be purchased year-round. We help you compare all three to find the best fit.
In most cases, yes. Many private health insurance plans offer flexible cancellation policies without long-term commitments. Some plans are month-to-month, while others may have specific terms. We'll make sure you understand the cancellation policy of any plan before you enroll.
Many private health insurance plans use large national provider networks, and some include options for care outside the U.S. Networks and benefits depend on the carrier and plan, so we compare them with you before you apply.
Your deductible is the amount you pay before insurance kicks in. Your max out-of-pocket is the most you'll pay in a year — on plans that have one, the plan then pays covered in-network costs for the rest of the year. Not every private plan is built around a deductible and out-of-pocket maximum, so we explain how yours works. A lower deductible means higher premiums but less cost when you need care. We'll help you find the right balance based on your health needs and budget.
We're here to help! Schedule a free consultation and ask us anything. No question is too small, and there's never any pressure. We're happy to walk you through your options and help you make the best decision for you and your family.
Book a Free Consultation