Florida Insurance Agency

Find coverage that fits—without the runaround. ePolicy Review helps Floridians compare policies across top carriers and choose with confidence. Start a quote online or talk with a friendly specialist who explains your options in plain English.

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Why Choose E Policy Review?

  • Independent & Florida-focused. We bring you options from multiple carriers—not a one-size-fits-all pitch.

  • Clarity over jargon. We translate deductibles, limits, riders, and networks into everyday language.

  • More than a quote. We help with setup, claims questions, and renewals—year after year.

How it Works

  1. Tell us your goals. Home, auto, life, health, benefits—share a few details online or by phone.

  2. We compare options. We line up policies and pricing to match your needs and budget.

  3. You get covered. Choose your plan; we’ll handle the paperwork and keep you supported.
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Our Services as your Florida Insurance Agency Include

Home Insurance

Protect your home, belongings, and liability—with Florida-ready deductibles and endorsements.

Flood Insurance

Home policies don’t cover flood. Compare NFIP and private flood options to meet lender rules and match your risk.

Auto Insurance

From state minimums to higher liability, comprehensive, and collision—get the right limits and potential bundle savings.

Life Insurance

Term and permanent coverage to protect income, pay off a mortgage, or plan a legacy—quoted quickly, explained clearly.

Individual Health Insurance

Compare networks, prescriptions, premiums vs. out-of-pocket, and subsidy eligibility—side by side.

Long Term Care Insurance

Plan for custodial and assisted-living costs with LTC solutions that fit your retirement picture.

Annuities

Add stability to retirement with income options—deferred or immediate—aligned to your timeline.

Disability Insurance

Protect your paycheck with short- and long-term disability; we’ll size benefits, waiting periods, and key riders.

Employee Benefits

Medical, dental, vision, HSA/HRA, life/DI, and voluntary benefits—built to attract and retain talent.

Executive Benefits

Supplemental life/DI, NQDC, split-dollar, and tailored strategies for leaders.

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Cities We Serve in Florida

Altamonte Springs
Apopka
Aventura
Boca Raton
Bonita Springs
Boynton Beach
Bradenton
Cape Coral
Casselberry
Clearwater
Clermont
Coconut Creek
Coral Gables
Coral Springs
Cutler Bay

Dania Beach
Davie
Daytona Beach
Deerfield Beach
Delray Beach
Deltona
Doral
Fort Lauderdale
Fort Myers
Gainesville
Hallandale Beach
Haines City
Hialeah
Hollywood
Homestead

Jacksonville
Jupiter
Kissimmee
Lakeland
Lake Worth Beach
Largo
Margate
Melbourne
Miami
Miami Gardens
Miramar
North Miami
North Miami Beach
North Port
Ocala
Ocoee
Orlando
Oviedo

Palm Bay
Palm Beach Gardens
Palm Coast
Pembroke Pines
Pensacola
Pinellas Park
Plantation
Pompano Beach
Port Orange
Port St. Lucie
Riviera Beach
Sanford
Sarasota
St. Augustine
St. Cloud
St. Petersburg
Sunrise

Tallahassee
Tamarac
Tampa
Tarpon Springs
Titusville
Wellington
Wesley Chapel
West Palm Beach
Weston
Winter Garden
Winter Haven
Winter Park

Featured Carriers

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Contact the Best Florida Insurance Agency Now

Taking the first step towards securing your future has never been easier. Whether you’re seeking individual coverage or exploring options for your business, our team is here to guide you every step of the way. Schedule a consultation with one of our expert advisors today, and embark on a journey to a secure and prosperous future.
Don’t leave your future to chance. With E Policy Review, you’re not just getting an insurance policy; you’re getting peace of mind. Contact us today to learn more about how we can help safeguard what matters most to you.

65 & Up Health Insurance

In September 2022, Medicare enrollment in Florida was 4,898,260, about 22% of the state’s population, compared to 19% nationally. Eligibility is at age 65 or due to disability. Around 10% of Florida’s beneficiaries are disabled, while 90% are 65+.
Medicare offers options like Advantage plans from private insurers or Original Medicare from the government, with coverage including hospital stays (Part A) and outpatient care (Part B). Medicare Advantage combines coverage with extras like dental and vision.
Enrollment periods include a fall window (Oct 15 – Dec 7) and an open enrollment period (Jan 1 – Mar 31) for changes. In fall 2022, over 53% of Florida’s Medicare beneficiaries chose private plans, mostly Medicare Advantage. Florida has a notable 46% nationwide enrollment in Advantage, led by Humana with 31% market share in 2022. (See Table Below)
Medigap Plans in Florida Medigap plans supplement Original Medicare, covering out-of-pocket costs like coinsurance and deductibles. The Florida Office of Insurance Regulation (FLOIR) offers a user-friendly website for comparing Medigap plan premiums by county. In 2020, around 913,759 Florida Medicare beneficiaries had Medigap coverage, though this number had decreased from the previous year due to the rise of Medicare Advantage enrollment.
Medigap Coverage in Florida for Those Under 65 Federal rules standardized Medigap plans and provide a six-month guaranteed-issue window for those turning 65 and enrolling in Original Medicare. Florida allows a similar window for residents under 65, starting from Medicare Part B enrollment. While premiums are higher for those under 65, they can switch to lower-cost plans at age 65.
Medicare Part D in Florida Original Medicare lacks prescription drug coverage, but beneficiaries can get it through Medicare Advantage, employer plans, or stand-alone Medicare Part D plans.
As of September 2022, about 1.4 million Floridians were in stand-alone Part D plans, and nearly 2.5 million had Part D integrated with Advantage plans. Stand-alone Part D enrollment dropped as Advantage plan enrollment rose.
2023 Part D Plans in Florida There are 23 stand-alone Part D plans in Florida for 2023, with premiums ranging from $8 to $170 per month. Enrollment occurs during the fall window (October 15 – December 7), also used for Medicare Advantage plans.

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Featured Carriers

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frequently asked questions

The Florida Health Insurance Marketplace, also known as the Health Insurance Exchange, is an online platform where residents of Florida can shop for and purchase health insurance plans. It was established as part of the Affordable Care Act (ACA) to provide individuals and families with access to affordable health coverage.
The Open Enrollment period typically runs from November 1st to December 15th. During this time, you can enroll in a new health insurance plan, renew your existing plan, or make changes to your coverage. It’s important to enroll during this period to ensure your coverage starts on January 1st of the following year.
You may qualify for a Special Enrollment Period (SEP) if you experience certain life events such as getting married, having a child, losing other health coverage, moving to a new area, or experiencing other qualifying circumstances. SEPs allow you to enroll in or change your plan outside of the standard Open Enrollment period.
The Florida Marketplace offers different levels of health insurance plans: Bronze, Silver, Gold, and Platinum. These plans vary in terms of cost-sharing and coverage. Bronze plans have lower premiums but higher out-of-pocket costs, while Platinum plans have higher premiums but lower out-of-pocket costs.
Yes, financial assistance in the form of Premium Tax Credits and Cost-Sharing Reductions is available for eligible individuals and families. These subsidies can help reduce monthly premium costs and lower out-of-pocket expenses like deductibles and copays.
You can use the Florida Marketplace’s online tools to calculate your eligibility for financial assistance. The calculation takes into account factors such as your household size, income, and location.
Medicaid is a government health insurance program for low-income individuals and families. As of my last update in September 2021, Florida had not expanded Medicaid under the ACA. However, policies and regulations can change, so it’s recommended to check for the most up-to-date information.
You can apply for health insurance through the Florida Marketplace by visiting the official website (HealthCare.gov) during the Open Enrollment period or a Special Enrollment Period. The website guides you through the application process and helps you find the best plan for your needs.
Yes, the Florida Marketplace has certified enrollment counselors, navigators, and agents/brokers who can provide in-person assistance. They can help you understand your options, complete your application, and select the right plan.
If you miss the Open Enrollment period and don’t qualify for a Special Enrollment Period, you may have to wait until the next Open Enrollment period to apply for coverage. In the meantime, you might consider short-term health insurance or other options to bridge the gap.

our client testimonials

I can't recommend E Policy Review enough for their exceptional life insurance and employee benefits services. As a small business owner, I was looking for a comprehensive package to offer my employees, and E Policy Review delivered beyond my expectations. Charles guided me through the entire process, helping me choose the right policies that perfectly fit our company's needs and budget.
Chad B
Chad B
The entire process was smooth and efficient, with their team providing constant support and timely updates. Doug truly cares about his clients' well-being and goes above and beyond to provide personalized solutions. Thanks to Doug and the team for getting me hooked up!
Lisa M
Lisa M
As a family looking for life insurance options and employee benefits, we were fortunate to come across E Policy Review. Their team's responsiveness and knowledge impressed us right from the start. Def make sure to reach out!
Terrance W
Terrance W

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