Health Insurance Broker Serving Tampa & Hillsborough County
For the 2027 ACA Marketplace plan year in Tampa and Hillsborough County, compare plans on HealthCare.gov after checking ZIP code, doctors, prescriptions, and enrollment timing.
Licensed Florida health agent David Huff (FL #W371813, NPN 18213932) helps Tampa 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 Tampa
Tampa and Hillsborough 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 Hillsborough 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.
I'll review current coverage options against your providers, prescriptions, budget, and enrollment timing.
Tampa Coverage Situations I Help With
Use this page when you need clear plan guidance for a Tampa-area coverage change, Medicare decision, or individual market review:
- Self-employed professionals and 1099 contractors in Tampa
- Families without employer-sponsored coverage
- Residents who recently moved to Tampa or Hillsborough County
- Anyone losing coverage and needing a Special Enrollment Period
- Tampa residents turning 65 and navigating Medicare for the first time
- Small business owners exploring individual market options
Why Tampa Residents Work With Me
I'm based in Lakeland and serve Tampa 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.
Tampa Area Communities I Serve
I work with residents across the greater Tampa Bay area, including Tampa, Brandon, Riverview, Plant City, Temple Terrace, Town 'N' Country, Carrollwood, Westchase, Seffner, Thonotosassa, Valrico, Bloomingdale, Fish Hawk, Ruskin, Apollo Beach, Dover, Mango, and surrounding Hillsborough County communities.
Whether you're in South Tampa or out near the I-4 corridor toward Lakeland, enrollment works the same way — and I make it simple.
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Frequently Asked Questions
How much does health insurance cost in Tampa?
Health insurance costs in Tampa 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 Hillsborough County?
For the 2027 plan year, Marketplace issuers in Hillsborough 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.
Get Help With Tampa 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 health agent.
Lakeland Health Insurance is the name used by David Huff, a licensed Florida health agent, serving Tampa, Hillsborough County, and the greater Tampa Bay area with ACA Marketplace guidance, Medicare planning, and individual coverage solutions. FL License #W371813. NPN 18213932.