A Health Insurance Resource for Your Clients
Your clients ask you about health insurance because they trust you, and because nobody else gave them a straight answer. I am a licensed broker in Tampa who works with the people you already serve: the self-employed, early retirees, families without an employer plan and anyone who just lost one.
Licensed in 31 states, NPN 21032307, BBB Accredited with an A rating, 4.9★ · 78 Google reviews. Everything happens by phone or video, in English or Spanish, so where your client lives in those states does not matter.
Who sends me their clients
CPAs and tax preparers
Your self-employed clients feel the subsidy cliff on Form 8962 every April. I help them choose coverage that fits the income plan you build with them, instead of a guess they make in November.
Financial advisors
Early retirees between 55 and 64 are the most exposed to the end of the enhanced credits. I coordinate coverage with the withdrawal and Social Security timing you set, until Medicare starts.
Realtors and mortgage professionals
Commission income and moves both complicate health insurance. Relocating buyers have a 60-day special enrollment window, and agents themselves need a plan that does not depend on a steady paycheck.
Family-law attorneys
Divorce ends coverage for many spouses and changes it for children. I explain COBRA, Marketplace and private options before the settlement is signed, so the health insurance terms are realistic.
HR, payroll and PEO teams
Employees leaving for contract work, retiring early or waiting out a benefits period need somewhere to go. I give them a straight comparison so they are not stuck choosing COBRA by default.
What your client can expect
Most people who buy their own coverage only ever see one market. HealthCare.gov shows Marketplace plans; a carrier's website shows that carrier. I am licensed to sell both Marketplace plans and private, medically underwritten plans, so I can put them side by side with the client's real income and health and tell them plainly which one wins. If the Marketplace is the better buy, I enroll them there.
- No fee. The carrier pays the broker, and the premium is the same as buying direct.
- A real person to call later for claims, billing problems, a new baby or a move.
- Honest answers about what a plan does not cover, including when a short-term plan is the wrong tool.
- Help with the timing rules: open enrollment, the 60-day special enrollment windows and the 2027 subsidy line.
Useful background for your clients: the 2027 subsidy cliff, private versus Marketplace for the self-employed and coverage after a divorce.
How a referral works
Step 1
You make the introduction
A text, an email copying both of us, or just my number. Whatever is easiest for you and your client.
Step 2
I reach out quickly
I contact your client and set up a 15-minute call by phone or video at a time that works for them.
Step 3
Your client gets a full comparison
Marketplace with their real tax credit, private plans priced on their health, and short-term only if it truly fits. I tell them which one I would choose.
Step 4
I keep you in the loop
With your client's permission, I let you know they are covered and flag anything that touches your work, such as income assumptions or plan changes at tax time.
An introduction you can copy
Edit the brackets and send it by text or email. Copy me at fcinsurancehealthadvisors@gmail.com if you use email.
Hi [client name], I want to introduce you to Frank Caballero, a licensed health insurance broker in Tampa (NPN 21032307). He compares Marketplace and private plans side by side for people who buy their own coverage, and there is no fee to work with him. Frank, [client name] is looking at options for [next year / after leaving their job / for their family]. Frank's number is (786) 218-2384.
What I advise on, and what I don’t
I handle health insurance and, when a family needs it, life insurance. I do not give tax, legal or investment advice, and I send those questions back to you. When a coverage decision depends on income planning, I ask your client to confirm the numbers with you before they enroll.
State insurance laws restrict referral payments to people who are not licensed agents, so there is no referral fee involved. What you get is a client whose coverage was reviewed carefully and who hears from me that you sent them.
Questions professionals ask
Do you work with clients outside Florida?
Yes. I am licensed in 31 states and work by phone and video. The licensed states are listed on the licenses page.
Will you contact my client without permission?
No. I only reach out after you or your client asks me to, and I only share an update with you if your client agrees.
Do you handle group plans for small businesses?
Yes, when a business qualifies for one. For a business of one, I explain why an individual plan is usually the right structure.
What if my client has a serious health condition?
Then the Marketplace is usually the answer, because it accepts everyone. I enroll clients there at no cost and do not push a private plan that will not approve them.