Most Floridians Are Overpaying for Health Insurance — and They Don't Even Know It.
If you've only looked at the ACA marketplace, you've only seen part of the picture. Thousands of Floridians are stuck in narrow-network plans, paying more than they should, and locked into coverage that limits which doctors they can see.
Private-sector PPO plans offer broader networks, better coverage, and often lower premiums — but most people don't know they exist because they aren't listed on public exchanges. You won't find them on HealthCare.gov.
Whether you're self-employed, between jobs, covering your family, or running a small business — there's a better way. And I'll show you.
How It Works
Getting the right coverage is simpler than you think. Here's the process.
Book a Free Call or Text Me
Tell me about your situation in a quick 20-minute conversation. No forms, no pressure.
I Shop the Market for You
I compare plans across Florida Blue, United Healthcare, Cigna, and other carriers to find the best fit at the best price.
You Pick the Plan That Fits
I walk you through your options side by side. You choose what works. I handle the paperwork.
Plans & Coverage Options
I help individuals, families, and small businesses find the right coverage across these areas.
Private PPO Health Plans
Nationwide PPO coverage through Florida Blue, United Healthcare, Cigna, and other carriers. Broader networks and often lower premiums than marketplace plans.
Learn MoreACA / Marketplace Plans
Affordable Care Act plans with potential premium subsidies based on income. I help you navigate enrollment and find the best marketplace option.
Learn MoreLife Insurance
Term life, whole life, and final expense coverage to protect your family's financial future. Affordable plans tailored to your needs and budget.
Learn MoreDental, Vision & Hearing
Standalone or bundled dental, vision, and hearing plans. Keep routine care affordable and protect against unexpected specialist costs.
Learn MoreSupplemental & Critical Illness
Extra protection for cancer, heart attack, stroke, and accidents. Supplemental plans pay you directly to cover out-of-pocket costs and lost income.
Learn MoreIncome Protection
Short-term disability and income protection plans that replace a portion of your paycheck if illness or injury keeps you from working.
Learn MoreWhy Work with Scott?
Not all insurance agents are the same. Here's what makes the difference.
Independent, Not Captive
I represent multiple top carriers. I recommend the best fit for you, not the one that pays me the most.
Zero Cost to You
My services are 100% free. Carriers pay me — you pay the same premium whether you use me or not.
Brevard County Local
I live and work right here. When you call, you get me — not a call center.
Year-Round Support
I don't disappear after enrollment. Billing issues, claims, plan changes — call me anytime.
We shop these carriers (and more) to find your best rate.
What Clients Are Saying
Real results from real people across Brevard County and beyond.
“Scott saved my family over $400 a month by switching us from a marketplace plan to a private PPO. Same doctors, better coverage, way less money. I had no idea these plans even existed.”
“As a self-employed contractor, I was paying a fortune for terrible coverage. Scott found me a plan that actually covers my doctors and costs half what I was paying. Wish I'd called him sooner.”
“Scott walked me through everything step by step. No pressure, no sales pitch. He genuinely cared about finding the right plan for my situation. I tell everyone I know to call him.”
“I was between jobs and panicking about coverage for my kids. Scott had us covered within two days. He even helped us find dental and vision. Incredible service.”
“My wife and I own a small business and could never find affordable coverage. Scott found us a plan with a nationwide PPO network for less than we were quoted on the marketplace.”
“What I appreciate most is that Scott is always available. Six months after enrollment I had a billing issue, texted him, and he handled it the same day. That's real service.”
Frequently Asked Questions
Quick answers to the most common health insurance questions we hear.
What's the difference between private health insurance and ACA marketplace plans?
Private health insurance plans, like PPOs from Florida Blue or United Healthcare, are purchased outside the ACA marketplace. They often offer broader provider networks, nationwide coverage, and more plan flexibility. ACA marketplace plans may include premium subsidies based on income, but can have narrower networks limited to your zip code. An independent agent can compare both options to find the best fit for your situation.
How much does health insurance cost in Brevard County, Florida?
Health insurance costs in Brevard County vary based on age, coverage level, and plan type. Individual private PPO plans can start in the low hundreds per month, while family coverage ranges higher depending on the number of people covered. ACA marketplace plans may be lower with subsidies. Scott Howell provides free plan comparisons across multiple carriers to find the most competitive rate for your specific situation.
Can I keep my doctor if I switch to a private PPO plan?
In most cases, yes. Private PPO plans typically offer much broader provider networks than HMO or narrow-network ACA plans. Many PPOs include nationwide coverage, so you can see doctors across state lines. Scott Howell will verify that your preferred doctors and hospitals are in-network before you enroll, so there are no surprises.
Do I need health insurance if I'm self-employed or a 1099 contractor?
Yes — self-employed individuals and 1099 contractors are responsible for their own health coverage, and a single medical emergency without insurance can lead to devastating financial consequences. Private PPO plans often offer better rates and broader coverage than marketplace plans for healthy self-employed individuals. Scott Howell specializes in finding affordable options for freelancers and business owners in Florida.
What happens if I don't have health insurance and something catastrophic happens?
Without health insurance, a single hospital stay, surgery, or serious illness can cost tens or even hundreds of thousands of dollars. Medical debt is the leading cause of personal bankruptcy in the United States. Even a short ER visit can result in a bill of $5,000 or more. Having a health insurance plan protects your finances and ensures you can get care without devastating debt.
Is it cheaper to buy health insurance through an agent or on my own?
It costs exactly the same. Insurance carriers set the premiums, so you pay the same rate whether you buy directly or through an agent like Scott Howell. The difference is that an independent agent shops multiple carriers for you, compares plans side by side, and helps you find the best value — all at zero additional cost to you.
Ready to See What You're Actually Paying For?
Free, no-obligation plan review. I'll show you your options side by side so you can pick the plan that actually fits your life.