Health Insurance Broker Serving Clearwater & Pinellas County
Licensed broker David Huff (FL #W371813, NPN 18213932) helps Clearwater residents find the right health insurance — ACA Marketplace plans, Medicare, short-term coverage, and more.
No call centers. No upsells. Just clear guidance from a licensed professional who works for you, not the carrier.
Free consultation. Zero cost for my services.
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 — Income-based pricing with potential subsidies. Carriers in Pinellas County include Ambetter, Molina, Oscar, and UnitedHealthcare.
- Medicare — Medicare Advantage, Medigap, and Part D for residents 65+ or with qualifying disabilities.
- Short-term medical — Gap coverage for transitions between jobs or plans.
- Dental, vision, and supplemental — Standalone or bundled with primary coverage.
I'll walk you through what fits your situation. No guesswork.
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 — about 35 minutes from downtown Clearwater. Everything I do is remote-friendly: phone, video, or text. Same-day responses, not a 1-800 number.
- Licensed and regulated — FL License #W371813, NPN 18213932. I'm accountable to the Florida Department of Financial Services.
- Zero cost to you — Brokers are compensated by carriers, not clients. My guidance is free.
- ACA subsidy expertise — I structure enrollments to maximize your Advanced Premium Tax Credit.
- 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.
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Whether you're Wherever you are in the area, enrollment works the same way — and I make it simple.
Frequently Asked Questions
Who is the best health insurance broker in Clearwater?
David Huff is a licensed Florida health insurance broker (FL #W371813, NPN 18213932) serving Clearwater and Pinellas County. He specializes in ACA Marketplace plans and Medicare with free, no-pressure consultations.
How much does health insurance cost in Clearwater?
Costs vary based on income, age, and plan type. Many Clearwater residents qualify for ACA subsidies that reduce premiums significantly — some to $0/month. A free consultation can show you exactly what you qualify for.
Can I enroll in ACA coverage outside of Open Enrollment?
Yes, if you have a qualifying life event — such as losing employer coverage, moving to Clearwater, marriage, or a new child. You typically have 60 days to enroll through a Special Enrollment Period.
Do I need a broker or can I enroll myself?
You can enroll yourself at Healthcare.gov, but a broker ensures your application is structured correctly, your subsidy is maximized, and your plan fits your actual needs. There's no additional cost — brokers are paid by the carriers.
What carriers are available in Pinellas County?
ACA carriers in Pinellas County include Ambetter, Molina, Oscar, and UnitedHealthcare. Medicare options vary by plan type. I'll show you what's available based on your ZIP code.
Get Help With Clearwater Health Insurance
Tell me a little about your situation and I'll follow up personally — usually within one business day.
No spam. No call centers. Just David.
Lakeland Health Insurance is an independent brokerage founded by David Huff, 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.