Florida Life Insurance Quotes – Javier Garcia, Palm Bay Broker

Health Insurance Broker

I'm Javier Garcia—Palm Bay local, licensed for health & life. I help folks like you dodge the marketplace mess, snag subsidies, or pick Medicare that doesn't break the bank. No sales tricks—just real options.

Why Choose Me?

Florida-licensed health insurance broker
Same-day quotes – text your age, zip, family size
Free help with subsidies & enrollment
Real local reviews (see Google)
Family-run – Natasha keeps the paperwork clean

Best Life Options for Floridians Right Now:

ACA Marketplace – Subsidies up to $1,000+/month. Open enrollment starts November—get ahead.
Not elegible for Marketplace insurance — Don't worry, I have other options, don't wait.
Already Health Insurance but not enough coverage - I have Ancillary plans available., Let's find out if any of them works for you.
Dental & Vision – Add-ons that actually save money.

FAQ

Can I get help with subsidies?

Yes—I'll walk you through.

Do I need to switch plans yearly?

Not always—I'll check that for you.

What if I'm self-employed?

Marketplace has killer options.

What insurance carriers do you work with?

I work with a variety of reputable insurance carriers to provide my clients with the best coverage options. Some of the carriers I collaborate with include but are not limited to United Health Care, Aetna CVS, Cigna, Molina, Oscar, Ambetter, Americas, Mutual of Omaha, Americo, SBLI, Foresters, American Amicable, John Hancock, and Assurity, to name a few. By partnering with multiple carriers, I am able to offer my clients a wide range of insurance products, ensuring that they receive tailored solutions that meet their unique needs.

What happens if my insurance needs or my budget changes?

I understand that life is always changing, and so are your insurance needs and budget. If your insurance needs or budget changes, I am here to help, I will work with you to review your current insurance policies and make the necessary adjustments to ensure that you have the right coverage at a price that fits your budget. Whether you need to add coverage, remove coverage, or explore new options, we will guide you through the process and provide personalized recommendations tailored to your specific situation.

How long does it take you to respond to questions or problems?

I understand the importance of timely and effective communication. We strive to respond to all inquiries and concerns within 24-48 hours of receiving them depending on the complexity of the issue.

Book your Appointment