Terms of Service

Who we are

Lakeland Health Insurance is a trade name (DBA) of David Huff, licensed Florida health agent, license #W371813 (NPN 18213932). Lakeland Health Insurance is not an insurance carrier, a government agency, or HealthCare.gov.

This website is LakelandHealthInsurance.com. These terms apply to public pages on that site.

Medicare and TPMO notice

We do not offer every plan available in your area. Currently we represent 9 organizations which offer 102 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Company inventory note: The counts above reflect the plans available for the 2027 plan year in the Lakeland/Polk County service area as of September 30, 2026. They are not CMS counts or statewide Florida totals. Counts and available products vary by ZIP code, service area, plan year, and current company authorization. Confirm the ZIP code and current approved platform inventory before relying on these figures. Plan availability, benefits, networks, formularies, pharmacies, and costs are subject to the applicable plan documents and service area.

Information on this site

This site provides general information about health insurance and related products. It is not a guarantee of coverage or eligibility. A review, quote, estimate, or conversation is not an application, enrollment, eligibility decision, or proof of coverage.

Plan availability and pricing

Plan availability, benefits, networks, and pricing are set by insurance carriers and, where they apply, by government programs such as the Health Insurance Marketplace and Medicare. What a person can buy depends on ZIP code, county, household details, eligibility rules, and the current plan year.

Quotes and estimates

Any quote or cost shown on this site or discussed with us is an estimate. Final premiums, tax credits, benefits, and enrollment results are set by the carrier or the applicable government program.

Agent compensation

There is no separate agent fee for the plan-review assistance described on this site. If you enroll in a plan, the insurer may pay a commission.

Texts and email

If you separately agree to receive text messages, reply STOP to any text message to opt out. Reply HELP for help. Message and data rates may apply. SMS consent is not a condition of purchase.

To stop marketing email, use the unsubscribe link in the message or email david@lakelandhealthinsurance.com. Transactional messages about a request, application, or policy may still be sent when needed.

Intellectual property

The text, graphics, and other materials on this site are owned by Lakeland Health Insurance or used with permission. You may not copy or reuse them for commercial purposes without permission.

Third-party links

This site may link to carrier websites, Medicare.gov, HealthCare.gov, scheduling tools, and other third-party sites. Those sites have their own terms and privacy practices. We are not responsible for their content.

Limitation of liability

To the extent Florida and federal law allow, Lakeland Health Insurance is not responsible for losses that come only from relying on general information on this website, from differences between an estimate and a later carrier or Marketplace result, or from content on a third-party website. This does not limit rights you cannot waive under applicable law.

Governing law

These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Unless another forum is required by law, court disputes that can be brought here are venued in the state or federal courts serving Polk County, Florida.

Changes to these terms

We may update these terms. The effective and last-updated dates at the top of this page identify the current version.

Contact

Lakeland Health Insurance
David Huff, licensed Florida health agent
FL License #W371813 · NPN 18213932
Email: david@lakelandhealthinsurance.com
Phone: 863-640-3102

Related pages: Privacy Policy and Data Deletion.