Submit our online health insurance quote request form and we call you within 24 hours or less. This is the best way to shop for individual health insurance. Within minutes, I can determine your eligibility, the type of plan you want and give you immediate quotes. Plus, I can tell you things about the different carriers that I cannot print on the Internet.

We have a gimmick. It is called honesty. So far, no other agency has attempted to copy this simple idea. This, along with the fact that we represent most of the health insurance carriers in Florida, have made us very popular. I try to answer every email. But, if you want a quote for the lowest possible premiums do the following:

Warning - Calling a health insurance company directly, will not result in the lowest premium. We can put together a plan with more benefits for less money.

1. For faster service, forget the email and call me between 9 AM and 8 PM Monday - Thursday and until 5 PM on Friday. If I do not pick up, leave a message. I will call you back - I promise.

2. If you leave a message, please talk slowly and clearly. Make sure I have enough time to write down your name and number. If I can call you in the evening or on weekends let me know.

I will give you quotes from all the major Florida health insurance carriers, expert advice and someone who will be there when there is a problem. This is not a boiler room with a new agent every time you call. Dealing with an honest salesperson is an entirely new experience for many of you, so be prepared.

Call 800-272-0512

Florida health insurance quote - we will call you within 24 hours - Click to leave your information

Online Florida health insurance quotes are not recommended. I know you love to shop online, but, there is a high probability that you will pay more for less if you try and do this yourself. We have been selling health insurance in Florida for a very long time and it costs nothing for our expert advice.

Florida health insurance quotes online - click on this link

The simple secret of paying less for individual health insurance premiums is no longer a secret. Low cost Florida health insurance plans.

What about pre-existing conditions? Want to know whether they will be covered or not? We have a plan that will not place any riders on your preexisting conditions. Call me!

Preexisting conditions - what you need to know - click here now

Guaranteed Issue Health Insurance - For Florida and all other states

If you have been declined for health insurance in Florida or any other state, we have guaranteed issue plans for individuals or groups of one or more. They are available to residents in most states.

There are no medical questions and most everyone can qualify.

This is real health insurance and not a discount card.

Guaranteed issue health insurance link.

Health Insurance For Diabetics

If you are a type 2 diabetic and are well controlled with oral medication, you might be eligible for a full major medical plan.

If you are an insulin diabetic and/or have other health issues, we still have plans that you can obtain.

Health insurance for diabetics

Florida HSA Plans - Florida Health Savings Accounts

HSA (Health Savings Accounts) are tax advantaged health insurance plans that are available to everyone. You do not have to be self-employed. You can end up with a tax write off that is equal to your insurance premiums.

If you are paying a lot of money for a family plan and everyone in the family is reasonably healthy, the Florida HSA plans will save you a lot of money each year. I will be glad to explain the details.

Florida HSA - More Info

Florida Dental Insurance

We have a number of new Florida dental plans.

If you want to see a separate site for all of our dental plans click here.

Go to our Florida Dental Plan Page for details - click

Florida PPO Dental plan hybrid - Online Site with Information and Signup

Save Thousands on your Florida Health Insurance

We just updated the Florida Health Insurance Guide again. Have a look.

Free "Consumers Guide to Buying Florida Health Insurance" shows you all the tricks of the trade. Spend a few minutes reading this informative guide and save year after year on your individual health insurance.

Florida Health insurance buying secrets - Read now

Florida Maternity Plans

There are a few ways to cover maternity. You can even get a full major medical plan that allows you to be pregnant after 90 days. Or, you can use one of our indemnity plans and have no waiting period.

If you anticipate a c-section, let me know. I have a new plan that will pay a substantial portion of the expenses.

Florida maternity insurance - Click here for details

Florida Health Insurance Premium Increases - How to Avoid

The average private individual health insurance plan in Florida is held for less than 18 months. At which time the rate hikes have forced you out and looking for a new plan.

So, how do you hold down premiums?

1. You use an agent who represents many different carriers (yes, like me). That way I can move you into a different company when you get an increase. This is perfectly acceptable and we do it all the time.

2, Stay as healthy as you can. If you are 5 feet tall and weigh in at 250 you are going to get killed on rates. Smokers rates have also gone up considerably.

3. Use higher deductibles. I know not all of you believe me, but in the long run you will save a lot of money. The money you save in premiums will be more than the amount you pay for medical care, when using higher deductibles. It will not affect your doctor co-pays or prescription co-pays.

Call me and I will run the numbers for you and point out the best compromise of cost and coverage. Try to avoid the online quote sites. In most cases, you will not end up with the coverage you think you are buying.

10 Ways To Save Money on Your Florida Individual Health Insurance - Simple ways to save on health insurance in Florida and other states.

1. Use a higher deductible - If you can save $800 a year on Florida health insurance by increasing your deductible by $1,000, you would have to be crazy not to do it. After 15 months on the plan, you have already made back the $1,000.

Florida temporary health insurance! Get coverage in 24 hours

This plan has no networks - use any doctor and any hospital. Low cost with deductibles as low as $250. The underwriting is very simple and they will issue the plans the very next day. You can even download your policy and ID card.

These are full major medical plans with up to $2 million dollars of coverage. We compared the rates with all of the other temporary health insurance plan and this one is the cheapest.

If you apply today you will be covered the next business day.

Florida temporary health insurance quote and online application - click here

Cheap Florida Health Insurance

Do you want a cheap Florida health insurance plan? Of course you do. You shop around the Internet to find the lowest prices. Then when you file a claim you find out why the insurance was cheaper than anything else. The coverage you thought was there is absent. So many of you learn the hard way.

Here is a good rule of thumb. If the plan offers daily limits on hospital stay on room/board, puts a cap on surgeon's fees,. or, if an agent whips out a slick, glossy brochure and wants to charge you $100+ to sign up for the plan - put your check book away and throw the bum out. Now, wasn't that simple? By the way, if you already bought one of these plans, go right now and get your policy and read it. You will be unpleasantly surprised. Then give me a call.

How to really get screwed by the insurance company

Many of you have preexisting conditions. Typically, the insurance carrier puts a rider on these conditions and tells you that only the specific excluded conditions will not be covered. This is only a partial truth. Not surprised are you?

If you have a preexisting condition that was excluded from your policy, it is an area of future contention for claims. I would rather pay a little more for a plan and have a preexisting condition covered, then pay less and let them exclude it altogether. If it is possible - which is not always the case.

Do not believe anyone who tells you that you have nothing to worry about. I worry about people who tell me I have nothing to worry about.

If you can select a company that rates up your condition and does not impose riders, it is worth the extra dollars. I have excellent plans that will do just that.

Florida HMO plans provide comprehensive health care for a single low co-pay. They are available in Dade, Broward, Palm Beach, Martin and St. Lucie Counties only

If you like your primary care physician (PCP) and the practice treats you well, these plans can provide complete health care with very little out-of-pocket expense. The PCP is the key.

HMO plans provide complete maternity coverage with an optional rider.

If you would like a brochure, application and price sheet give me a call - 800-272-0512.

Florida HMO plans - click here

My Florida health insurance premiums are going up and up. I am totally disgusted with the companies and the lack of affordable insurance. You can bet your a#& that your congressional representatives and senators don't pay for health insurance or have $5,000 deductibles. Don't get me started.

Everybody asks me the same question: Which is the best individual health insurance plan in Florida? You want the truth? Can you handle the truth? The fact of the matter is, I am not in love with any health plan or company. You have a few companies that are complete garbage and the rest are mediocre at best. I will be more than happy to tell you which ones are worthless. I just do not have the legal fund to put it on the Internet.

I sell what I believe to be the best Florida health insurance plans available. These plans will pay your claims without taking your guts out. I try to offer plans that will have the lowest rate increases and reasonable financial stability. I look for quality networks and responsive customer service. I do my best.

Most Florida health insurance plans are not held for more than 2 years. At that point the rate increases have killed you, you obtained a job with health insurance, moved or just go naked - insurance-wise that is.

If you call me, I am also going to tell you a lot of things that you don't want to hear. Sometimes, people go on to the next agent thinking that I cannot possibly be correct. They often fall prey to the discount card scam artists and the "let me come to your house and get your check and signature agents". I hope they at least buy you dinner before they .... .

Why don't you just give me a call at 1-800-272-0512. Although, I am almost totally devoid of all social skills, I am very patient and informative. I have a lot of different companies and will find you the best plan for the least cost.

Martin Unger

How to fail a paramedical exam

In Florida, all private major medical health insurance is medically underwritten and some companies will send out a paramedic to do an exam. If they do a blood test, it is supposed to be a fasting test. However, they often forget to tell you that. So, you manage to eat a big breakfast and a few chocolate bars before they show up. Guess what? The blood tests are inaccurate and they think you have high cholesterol and diabetes. Now you are really screwed.

You won't die of starvation if you miss a meal. If the paramedic was supposed to show up at 10 AM and they ring the bell at 2 PM, send them away if you just had lunch. Hide, don't answer the door. You will spend the next 6 months trying to convince the insurance carrier that you are really healthy.

1. Florida health insurance rates are approved by the Florida's Department of Financial Services. There is no such thing as bargaining. The rates are fixed. If ABC Insurance says the plan is $200 a month, all 10,000 agents who carry the plan will charge $200 a month. It is not like buying a car. When someone tells me they are shopping around, I think to myself "Boy, this guy ever going get screwed."

2. Understand your coverage before you send in the check. If the plan has limitations on benefits, you need to know it in advance. Half the people I talk to don't know who their plan is with, their wife's or kids birthdays or if they ever had a serious illness. Then again, the 70's are a complete blur.

3. Florida health insurance plans that have limits on days in hospital, daily hospital reimbursements limits, number of doctor visits per quarter or year, or per illness dollar limitations are not recommended. If someone is pushing a plan like this on you - TASER them.

4. Low deductible Florida health insurance plans make insurance companies rich. They are not cost effective. I would rather have a high deductible plan and be able to afford some disability insurance and have adequate life insurance (or maybe take a vacation) then load up on low deductible health insurance.

5. Don't let anyone feed you bull about regular, usual and customary. If you are in a PPO and you go to a hospital that is part of the PPO network, you are automatically billed the pre-negotiated rate. There will be no surprises as the costs are negotiated in advance. This is how most health insurance plans in Florida are sold.

We get many calls from individuals who are recently arrived in the United States or plan to move here. You will need a special international health insurance plan. This is also true if you are a citizen and wish to travel or live abroad for an extended period of time. Internation Health Insurance - use this link.

6. Florida has a healthy kids program if you meet income requirements.

7. In Florida you will find that health insurance plans are not guaranteed issue. If you have preexisting conditions they might refuse coverage. Make sure you discuss these concerns with your agent. If an agent ever hints that you should conceal something, get rid of the agent pronto. You are committing a crime (felony in Florida) and you will find yourself without coverage. We do have guaranteed issue plans available.

8. Florida health insurance plans do not always pay for preexisting conditions. If you have a medical condition that requires a prescription, regular medical care or have been told that you will require surgery in the future, it might not be covered. No, there are no laws that will force them to cover it. I don't care what your neighbor, friend or brother-in-law told you.

9. If you have a PPO plan you are entitled to the discounted PPO rate for services. So a doctor visit might still only cost $35 or $40 instead of $75, and a lab fee $15 instead of $60. Learn how to take advantage of PPO discounts. It will save you a fortune. Ask me and I will explain it to you. You cannot make an intelligent decision about your coverage levels unless you understand this information.

10. Ask me about an HSA plan. You use pretax money to pay for medical expenses. These can be exceptional deals under the right circumstances.

11. The Internet can be useful when shopping for Florida health insurance. After all, you found me didn't you? Unfortunately, most of the people you will contact on the Internet will not be licensed agents. They will be national marketing companies that will sell your name and phone number or e-mail addresses to the highest bidder for insurance leads that week.

If the form asks you what state you are in or wants your home address, do not complete it. It is in all probability a marketing company and not an insurance agency - beware.

Want to save money on your health insurance? Of course you do. Give me a call, I am not as crazy as I sound and I promise I will only take a few minutes of your time. You can hang up anytime you want - although it would unbelievably rude. Give me a call or a number where you can be reached. If you leave a message, give me a break, I don't take shorthand. Some people sound like they are on speed when they leave a number.

Florida Insurance News from The Florida Department of Financial Services:

Insurer to cover all Lee hospitals
Better Ideas for Florida Health Insurance

GALLAGHER REVOKES LICENSE OF AGENT WHO SOLD BOGUS STUDENT ACCIDENT POLICIES IN SOUTH FLORIDA