Private Health Insurance Broker Serving Palm Harbor, Florida
North Pinellas, from Dunedin up through Palm Harbor, Tarpon Springs and East Lake, is home to many professionals who left corporate jobs to consult or run their own firms, plus families with two strong incomes. Both groups often earn too much for a subsidy.
Private health insurance in Palm Harbor
Most people I help in Palm Harbor end up on a private plan, not a Marketplace plan. Private, medically underwritten health insurance is priced on your age, zip code and health instead of your income, so a strong year never raises your premium and there is no tax credit to pay back in April.
Why people leave the Marketplace
- Premiums keep climbing. Palm Harbor Marketplace premiums are rising 10.4% on average for 2027.
- The subsidy cliff. Above 400 percent of the poverty level ($63,840 for one person, $132,000 for a family of four) you pay full price.
- Surprise tax bills. Underestimate your income and you repay the tax credit in April.
- Narrow networks. Many plans are local HMOs or EPOs that need referrals and cover little outside the area.
- High out-of-pocket costs. 2027 out-of-pocket maximums reach $12,000 per person and $24,000 per family.
- One window a year. Outside open enrollment you need a qualifying life event to enroll or switch.
What a private plan does differently
- Start any month. If approved, coverage can begin the first of next month, with no wait for open enrollment.
- Networks that travel. Many private plans use national PPO networks, which can give you in-network doctors outside Palm Harbor too. Networks vary by plan.
- Can cost less than full-price Marketplace plans for some healthy applicants above the subsidy line.
- Accident coverage the Marketplace does not offer. A private plan can be paired with accident coverage, a separate policy. What it includes varies by plan.
- Approval is based on health. You answer health questions, and acceptance is not guaranteed.
With a significant health condition, or income low enough for a large tax credit, a Marketplace plan can be the better fit, and I will tell you if it is. Either way you see both side by side.
Private plans are not ACA Marketplace plans. Benefits, exclusions and pre-existing condition rules differ by plan and by state, so review the plan details before you enroll.
Get a private plan quoteLearn more: coverage not based on income · how underwriting works · private vs Obamacare · PPO plans for individuals · switching from the Marketplace
Who we help in Palm Harbor
We work with consultants and independent professionals working from home offices, two-income families in East Lake and Lansbrook, owners of restaurants and shops in downtown Dunedin and the Tarpon Springs sponge docks, and boat captains and marine businesses along the Anclote River. 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
Many north Pinellas residents commute to Tampa or Oldsmar and want hospitals in both counties covered. Marketplace HMOs often stop at the county line; a PPO usually covers both.
- Mease Countryside Hospital
- Mease Dunedin Hospital
- AdventHealth North Pinellas
- Morton Plant Hospital
Areas we serve around Palm Harbor
Palm Harbor, Dunedin, Tarpon Springs, Ozona, Crystal Beach, East Lake, Oldsmar, and everywhere in between. Licensed in 31 states, including Florida, so I can keep helping 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 may cost less; check that the hospitals above are in its network. 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 broker guide.
Above the subsidy line
Household incomes in Palm Harbor and East Lake often sit above the 2027 line: $86,560 for two and $132,000 for a family of four. Above it, there is no Marketplace credit. For a healthy household, a private family plan priced on health is the comparison most people never make, and if approved, it can start any month. The private versus Marketplace guide explains how the two differ.
Consultants and solo professionals
Many north Pinellas consultants bill through their own LLC or S-corporation. The way the premium runs through the business affects taxes, and the household income that counts for the Marketplace includes business profit, not just salary. The IT consultant guide and the LLC and S-corp owner guide go through it.
Tarpon Springs and Dunedin business owners
Restaurant, retail and marine business owners often have a few employees. An ICHRA or QSEHRA can be a simpler way to help them than a group plan. The restaurant owner guide covers common setups.
Get a north Pinellas quote, or call or text (786) 218-2384.
Palm Harbor questions
Are Mease Countryside and Mease Dunedin in network?
On many private PPO plans, yes. Marketplace plans vary, and I check before you enroll.
I live in Palm Harbor and work in Tampa. What network do I need?
One that covers both Pinellas and Hillsborough. Many Marketplace HMOs stop at the county line; a PPO usually covers both.
We earn too much for a subsidy. What are our options?
A full-price Marketplace plan, or a private plan priced on health if everyone is healthy. If approved, private plans can start any month.
Do you serve Tarpon Springs and Oldsmar?
Yes, all of north Pinellas and the rest of Florida, by phone and video.
Is there a fee?
No. The carrier pays the broker.
Other Tampa Bay areas
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.
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