If you're shopping on the internet for anything these days, you are going to have a wealth of sites to choose from. If you choose the search phrase, "Florida health insurance" or "Florida health insurance agents", you will find several dozen websites trying to get your attention:

• Florida health insurance companies trying to sell you directly

• Florida health insurance agents, both Captive Agents and Independent Agents

• Marketing companies "selling" Florida health insurance

Differences between a marketing company website and an independent Florida health insurance website:

A Marketing Company website is characterized by a lack of any address or phone number for an agent or broker actually living in Florida! A marketing company has no licensed agents actually working for them, they have no knowledge of Florida health insurance and in fact have no idea as to the quality of the quotes you will get or what the qualifications are of the people who will be calling. Aside from any privacy concerns you might have there is the issue of qualifications of the agents who will be calling.

Buying directly from a Florida health insurance company - a Leap of Faith...and a huge error in judgment!

There are no advantages with buying directly from a health insurance carrier. The prices are the same as buying through an agent. You accomplish nothing and in fact you are actually hurting yourself for several reasons.

1. You don't get any objective comparisons contrasting their plans with any of their competitors. So you are taking a "Leap of Faith"...BIG mistake when you start trusting an insurance company to look out for your best interests folks!

2. You get no continuous follow up when you have problems with billing, or Claims or just questions about the policy benefits, exclusions etc.

3. They are difficult to get a hold of.

4. No help when renewal premiums increase at the end of the first year...you are back to square one.

Using an independent Florida health insurance agent is your best bet for winding up with a plan you'll be happy with for years to come.

Florida has become one of the most expensive states in the Union to get a health insurance plan. There are various reasons for this such as "mandated benefits" but the bottom line is how do I get the most bang for my buck?  Each day we are all bombarded with direct advertising on the internet, TV and phone book, internet websites controlled by Lead Generation Shops selling leads and your personal information to agents. Truth of the matter is there are a great many different types of "agents" trying to sell or interest you in their health insurance. 

It matters a great deal where you buy your next Florida health insurance plan from.

Some people assume it makes no difference where they purchase their health insurance from. Truth be told, it matters a great deal. Of all the forms on insurance, health insurance is perhaps the most useful and important safety net for protecting your family's assets. As a licensed Florida health insurance independent agent we work with multiple insurance carriers and can furnish you with multiple quotes in a matter of seconds from the top "A" rated HMO and PPO Plans here in Florida. Independent agents offer you the most policies available in the state. 

Only an independent Florida health insurance agent can compare plans in an unbiased manner.

Think about it, who has your interests at heart? Is the health insurance company if you call them directly, going to tell you that XYZ company has the exact plan you are looking for if they don't offer it? Is the Captive Agent who only gets paid a commission if he sells you the one Florida health insurance company he is marketing? I doubt it. Is a marketing company that sells your personal information to any agent willing to pay their price?  On average, your chances of getting the best Florida health insurance plan for your situation are greatly improved if you choose to work with an Independent Florida health insurance agent representing the top carriers in the State of Florida.

Florida health insurance policy service and plan renewals...here again it's best to use an independent agent.

Ever tried researching a claim for even a seemingly minor issue and been placed on hold or passed off from one department to the next until you are almost ready to scream? Now imagine your blood pressure reading when you are trying to run down a claim worth several hundred or even thousands of dollars to you and the same treatment. Health insurance companies are notorious for staffing Customer Service lines with, shall we say, less then highly motivated individuals. This is where again the services of an independent agent comes in real handy. You are also guaranteed our full attention when after the first year your guaranteed premiums rates might increase. We will once again help you scour the Florida health insurance market for the best plan based on your medical history and financial situation.

Taking a peek at an instant, online Florida health insurance quote may be worth your while even if you're happy with your current plan.