Health Insurance Broker Serving Clearwater & Pinellas County
For the 2027 ACA Marketplace plan year in Clearwater and Pinellas County, compare plans on HealthCare.gov after checking ZIP code, doctors, prescriptions, and enrollment timing.
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Licensed Florida health agent David Huff (FL #W371813, NPN 18213932) helps Clearwater residents find the right health insurance — ACA Marketplace plans, Medicare, short-term coverage, and more.
Work directly with a licensed Florida health agent to compare current coverage paths.
Plan review based on current eligibility, providers, prescriptions, and coverage needs.
Health Insurance Options in Clearwater
Clearwater and Pinellas County residents have access to a range of health coverage options. What's available to you depends on your age, income, employment status, and household size.
- ACA Marketplace plans — For the 2027 plan year, issuer participation in Pinellas County varies by ZIP code. Confirm the current list at HealthCare.gov. This site documents example issuers such as Ambetter, Molina, Oscar, and UnitedHealthcare on the carrier hub.
- Medicare — Medicare Advantage, Medigap, and Part D for residents 65+ or with qualifying disabilities. See the Lakeland Medicare broker.
- Short-term medical — Gap coverage for transitions between jobs or plans.
- Dental, vision, and supplemental — Standalone or bundled with primary coverage.
Local hospital & physician networks in Clearwater (ZIPs 33755–33767): Mid- and North-Pinellas plans centre around BayCare Morton Plant Hospital, Mease Dunedin Hospital, and Mease Countryside Hospital in Safety Harbor, alongside independent Pinellas specialist groups and nearby HCA Florida facilities. Because Pinellas County ACA HMO/EPO networks contract selectively by health system, I check your exact doctors and hospitals before you enroll.
I'll review current coverage options against your providers, prescriptions, budget, and enrollment timing.
Who This Page Is For
If you live or work in the Tampa Bay area and need health coverage, this is your starting point:
- Self-employed professionals and 1099 contractors in Clearwater
- Families without employer-sponsored coverage
- Residents who recently moved to Clearwater or Pinellas County
- Anyone losing coverage and needing a Special Enrollment Period
- Clearwater residents turning 65 and navigating Medicare for the first time
- Small business owners exploring individual market options
Why Clearwater Residents Work With Me
I'm based in Lakeland and serve Clearwater residents remotely by phone, video, or text.
- Licensed and regulated — FL License #W371813, NPN 18213932. I'm accountable to the Florida Department of Financial Services.
- Compensation disclosure — Insurance carriers generally compensate appointed agents when an enrollment is completed. David does not charge a separate plan-review fee; compensation and availability vary by carrier and product.
- Marketplace application support — I help review household information and compare available plans; the Marketplace determines premium tax credit eligibility.
- Post-enrollment support — I don't disappear after you sign up. Claims issues, renewals, mid-year changes — I handle it.
Clearwater Area Communities I Serve
I work with residents across the Clearwater area and greater Tampa Bay, including Dunedin, Safety Harbor, Largo, Belleair, Oldsmar, Palm Harbor, Tarpon Springs, Indian Rocks Beach, Belleair Bluffs, and surrounding Pinellas County communities.
Latest from the blog: Health Insurance in Clearwater, FL — 2026 Premium Increases & SEPs
Compare next steps with a plan-specific review or the ACA Marketplace guide.
Frequently Asked Questions
How much does health insurance cost in Clearwater?
Health insurance costs in Clearwater vary based on household income, age, tobacco use, plan type, and eligibility. A licensed agent can compare available plans and networks; the Marketplace determines premium tax credit eligibility. Potential savings vary and are not guaranteed.
Can I enroll in ACA coverage outside of Open Enrollment?
A qualifying life event — such as loss of qualifying coverage, marriage, a new dependent, or certain moves — may open a Special Enrollment Period, subject to Marketplace rules and documentation. Many SEP windows are 60 days, but deadlines vary by event.
Do I need a broker or can I enroll myself?
You can enroll through HealthCare.gov. A licensed agent can help compare current plans, networks, and prescriptions. Insurance carriers generally compensate appointed agents when an enrollment is completed; compensation and availability vary by carrier and product.
What carriers are available in Pinellas County?
For the 2027 plan year, Marketplace issuers in Pinellas County depend on your ZIP code. Run your address at HealthCare.gov or request a review; example issuer playbooks live on the ACA carrier hub. Medicare options vary by plan type.
Lakeland Health Insurance is the name used by David Huff, a licensed Florida health agent, serving Clearwater, Pinellas County, and the greater Tampa Bay area with ACA Marketplace guidance, Medicare planning, and individual coverage solutions. FL License #W371813. NPN 18213932.
Last reviewed: · Written and reviewed by David Huff, Licensed Florida Health Insurance Agent (FL License #W371813 · NPN 18213932 · Editorial & Verification Methodology).