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Philip Smith is a licensed independent insurance agent based in Tampa, FL. He compares health, Medicare, and life insurance plans from 22+ carriers for Tampa residents — and tells you exactly which plan he'd choose in your situation. Free consultation. Always.
22+ carriers compared
PPO, HMO, ACA, and private plans for Tampa individuals, families, and self-employed residents. Compare 22+ carriers.
Learn more58 MA plans in Tampa 2026
58 Medicare Advantage plans available in Tampa for 2026. Medicare Supplement (Medigap) plans. Part D drug coverage.
Learn moreNo-exam options available
Term, whole life, and final expense coverage for Tampa families, homeowners, and business owners.
Learn moreTampa's health insurance market is shaped by the city's major employer base — BayCare Health System, HCA Florida, Moffitt Cancer Center, and MacDill Air Force Base all create large populations of people transitioning between group coverage and individual plans. When someone leaves a Tampa employer, Philip helps them understand their options within their 60-day COBRA election window.
For Tampa's significant self-employed population — in industries like real estate, contracting, consulting, and the hospitality sector around Ybor City and Downtown — Philip compares ACA marketplace plans against private underwritten PPO plans based on actual income and health history. The right choice saves hundreds per month.
Philip is not a call center. He's one agent, based in Tampa, who picks up the phone and answers questions. His clients get his direct number and can text or call with coverage questions after they're enrolled.
Carriers Philip compares in Tampa
Areas served in Tampa Bay
Tampa · Brandon · Riverview · Wesley Chapel · Lutz · Land O' Lakes · Temple Terrace · Plant City · St. Petersburg · Clearwater · Largo · Dunedin · Safety Harbor · New Port Richey · Zephyrhills
22+
Carriers compared for Tampa residents
58
Medicare Advantage plans available in Tampa 2026
$0
Cost for Philip's consultation
4.9 / 127
Client reviews
Philip Smith (NPN #22255420 · FL Lic. #G349232) is a licensed independent insurance agent based in Tampa, Florida. As an independent agent, Philip is not captive to any single carrier — he compares plans from 22+ Florida-licensed carriers including Florida Blue, UnitedHealthcare, Aetna, Cigna, Ambetter, Humana, and more. He serves Tampa residents across all of Hillsborough County and surrounding areas. The consultation is always free.
Health insurance costs in Tampa vary significantly based on your income, age, and plan type. Tampa residents who qualify for ACA subsidies (income $15,650–$62,600 for a single person) often pay $0–$150/month after their premium tax credit. Without subsidies, a 40-year-old in Hillsborough County typically pays $420–$750/month for a Silver ACA plan or $266–$400/month for a private medically-underwritten PPO plan. 2026 premiums increased 30–35% after enhanced ACA credits expired. Philip will compare your exact options at no cost.
Tampa residents have access to 58 Medicare Advantage plans for 2026. In Hillsborough County, top-rated carriers include Humana, Aetna, UnitedHealthcare, and Freedom Health — with 43 of the 58 plans rated 4 stars or higher by Medicare. 40 plans are available with $0 premium. The best plan depends on your doctors, prescriptions, and preferred hospitals — BayCare Health System, HCA Florida, and Moffitt Cancer Center are the major Tampa networks. Philip will confirm your doctors are in-network before recommending any plan.
Yes. ACA marketplace plans require a qualifying life event for enrollment outside the November 1–January 15 window. However, TriTerm medical plans and private medically-underwritten PPO plans can be purchased any time of year in Florida without a qualifying event. Coverage can start within 5 days of approval. If you just lost employer coverage, you also have a 60-day Special Enrollment Period for ACA plans.
Yes. Philip serves clients across all of Hillsborough County, including Tampa, Brandon, Riverview, Wesley Chapel, Lutz, Land O'Lakes, Temple Terrace, and Plant City. He also serves Pinellas County (St. Petersburg, Clearwater, Largo, Dunedin, Safety Harbor) and Pasco County (New Port Richey, Port Richey, Holiday, Zephyrhills). All consultations are available by phone or video call — no need to drive to an office.
Philip Smith · Tampa, FL Insurance Agent
NPN #22255420 · FL Lic. #G349232 · Independent agent based in Tampa, FL · Health, Medicare & life insurance · 22+ carriers including Florida Blue, UnitedHealthcare, Aetna, Cigna, Humana, Ambetter. No carrier quotas. No pressure. Call (727) 439-2049.
Philip compares specific PPO, HMO, and EPO plans from 22+ carriers based on your doctors, budget, and ZIP code — in one free call.
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