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.
Work directly with a licensed Florida broker 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 — 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 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 brokers 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.
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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 professional plan reviews.
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 broker 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 broker can help compare current plans, networks, and prescriptions. Insurance carriers generally compensate appointed brokers when an enrollment is completed; compensation and availability vary by carrier and product.
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.
Direct follow-up from David Huff, licensed Florida broker.
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.