Scott Howell, licensed independent health insurance agent in Brevard County, Florida

Meet Scott Howell

Licensed Independent Health Insurance Agent • Brevard County, Florida

I'm Scott Howell, and I help individuals, families, and small business owners across Florida find health insurance plans that actually make sense — better coverage, broader networks, and rates most people don't know exist. Explore all plans & services.

As an independent agent, I'm not tied to any single carrier. I shop Florida Blue, United Healthcare, Cigna, Aetna, Ambetter, and other top carriers to find the plan that fits your life and your budget. My services are always free to you — the carrier pays my commission, not you.

My Story

I didn't start in insurance. I spent years in the culinary industry, working in professional kitchens and building a career around hard work, attention to detail, and taking care of people. That foundation — the drive to serve, the discipline, the genuine care for others — is exactly what I bring to my clients today.

When I made the transition to health insurance, I saw something that frustrated me: most people were overpaying for coverage that didn't even serve them well. They were stuck in narrow-network plans, confused by marketplace jargon, and had no idea that better options existed outside the public exchanges.

I became an independent agent because I believe everyone deserves someone in their corner who will shop the entire market on their behalf — not just sell whatever one company tells them to push. When you work with me, you get honest advice, a real person who picks up the phone, and a plan that's actually built around your needs.

I live right here in Brevard County with my wife, our four daughters, and a small pack of dogs who pretty much run the house. When I'm not helping clients find better coverage, you'll find me spending time with family, enjoying the Florida outdoors, or still cooking — old habits die hard.

Scott Howell during his culinary career, working in a professional kitchen

Licensed Across 30 States

Whether you live in Florida or are relocating, I can help you find coverage no matter where life takes you.

Independent Agent

Not captive to any single carrier. I represent multiple top insurers and recommend the best fit for your situation — not the plan that pays me the most.

Multi-State Licensed

Licensed to sell health, life, and supplemental insurance in 30 states, so I can serve you wherever you are.

Zero Cost to You

My consultation and services are 100% free. Insurance carriers pay my commission — you pay the same premium whether you use an agent or not.

Year-Round Support

I don't disappear after enrollment. Billing issues, claims questions, plan changes — call or text me anytime, all year long.

States Where I'm Licensed

Alabama Arkansas Colorado Delaware Florida Georgia Illinois Indiana Iowa Kansas Kentucky Louisiana Michigan Minnesota Mississippi Missouri Nebraska Nevada North Carolina Ohio Oklahoma South Carolina South Dakota Tennessee Texas Utah Virginia West Virginia Wisconsin Wyoming

Beyond the Office

I'm a family man, a dog dad, and a former chef. Here's a look at the person behind the policy.

Scott Howell with his wife and four daughters in coordinated plaid outfits at a rustic barn
Scott Howell and his wife on a tropical vacation at a resort
Scott Howell relaxing at home on the couch with his two dogs
Scott Howell family photo at a Vermont covered bridge
Scott Howell with his wife and daughters at a tropical resort
Scott Howell's three dogs looking through the front door
Scott Howell family portrait outdoors in fall with a red barn
Scott Howell relaxing on the couch with his daughter
Scott Howell and family standing together under a willow tree near a covered bridge
One of Scott Howell's dogs lounging on a patio chair
Scott Howell on his motorcycle
Scott Howell and family enjoying an outing together
Scott Howell's dogs riding together in the back seat of the car

Ready to Find a Better Plan?

Whether you need individual coverage, a family plan, or small business insurance — I'll shop the market and show you your best options. Free, no obligation. Have questions first? Check our FAQ.