Health Insurance Broker Serving Clearwater, Florida
Clearwater and the north Pinellas towns have a lot of small business owners, hospitality workers and retirees under 65. We help all three groups compare private and marketplace plans with the local hospitals in mind.
Who we help in Clearwater
We work with small business owners along US-19 and Gulf-to-Bay, hospitality and restaurant staff on the beach who work for tips and have no employer plan, contractors and pool companies, and retirees in Dunedin and Palm Harbor bridging to Medicare. Most are comparing a private, medically underwritten PPO against a marketplace plan for the first time, and most have never had both prices side by side.
Local hospitals and networks
Morton Plant is the hospital most Clearwater families use. BayCare's network and HCA's network do not fully overlap on marketplace plans, so a plan that covers one may not cover the other. We check both against where you actually go.
- Morton Plant Hospital
- HCA Florida Largo Hospital
- Mease Dunedin Hospital
- AdventHealth North Pinellas
Areas we serve around Clearwater
Clearwater, Largo, Dunedin, Safety Harbor, Palm Harbor, Belleair, Clearwater Beach, and everywhere in between. Licensed in Florida and 31+ other states, so coverage follows you if you move.
Private plan or marketplace plan?
If your household qualifies for a subsidy or someone has a serious condition, the marketplace is usually the answer and we enroll you there at no cost. If you are healthy and above the subsidy range, a private PPO priced on your health instead of your income usually costs less and includes the hospitals above. We show you both numbers and tell you which one we would pick.
Read more: what to do when you earn too much for a subsidy, family plans, and our Tampa office.
Clearwater questions
Is Morton Plant Hospital in network?
On most private PPO plans, yes. On marketplace plans it depends on the carrier. We confirm it before you enroll.
I work on Clearwater Beach for tips. Can I still get a subsidy?
Often yes. Subsidies are based on reported income, and many hospitality workers qualify for meaningful help. We run the numbers with you.
Do you serve Palm Harbor and Tarpon Springs?
Yes, all of north Pinellas by phone and video.
Other Tampa Bay areas
Reviews
Real words from real families we've helped.
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.
I spent hours on the Marketplace until Frank messaged me. I was skeptical at first but I couldn't be more wrong. Frank and his wife found the perfect medical plan for me despite the fact I'm self employed, and made the process so easy with his guidance the whole way. He knows the system inside and out. Highly recommend.
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!
Frank has been amazing to work with. He is always available to answer my questions. As a self employed person in my 60s good insurance at a reasonable rate has been a challenge, but he found me a policy that has been great. I have already recommended him to friends and colleagues.
Would highly recommend him for all my friends and family.
He listened to my issues and concerns and explained my options thoroughly.
Get your Clearwater quote
No fee. No pressure. A licensed broker in Tampa.