Health insurance for Floridians who pay full price.
If your income puts you above the ACA subsidy line, you are paying retail. We compare private PPO plans against the marketplace and tell you honestly which one wins for your household.
- Free eligibility check
- No obligation
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See what you qualify for
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Reviewed by Martin Elefant · FL licensed agent #G015186
Quick Summary
What You Should Know Before Reading Further
- Many self-employed Floridians are overpaying without realizing it
- Pricing depends a lot on how your coverage is structured — not just your age
- There are alternative options outside the ACA marketplace depending on your situation
- The goal of this page is to help you compare and understand what you actually qualify for
- A quick 30-second check can show you real options — no pressure, no obligation
Who We Help in Florida
We help self-employed individuals, business owners, and professionals across Florida find better health insurance options outside of traditional plans.
Self-Employed
Flexible options for self-employed professionals
Realtors
Coverage solutions for commission-based income
Contractors
Plans designed for trades and independent workers
1099 Workers
Affordable options for freelancers and gig workers
Business Owners
Coverage strategies for small business owners
Entrepreneurs
Flexible plans for growing businesses
High-Income Earners
Optimize coverage while reducing monthly costs
Real Estate Investors
Coverage built for investors and passive income earners
If you're self-employed, a 1099 contractor, or a business owner in Florida…
There's a good chance you are:
- Paying way more than you should
- Stuck with limited marketplace options
- Unaware of alternative plans available
Most people assume the marketplace is their only option.
That's not always true.
Explore Alternative Health Coverage Options
Depending on your situation, you may qualify for private health coverage options that offer:
- Lower monthly premiums
- Nationwide PPO network access
- Flexible coverage structures
These plans are designed for individuals who are relatively healthy and looking for better value than traditional options.
The only way to know what you qualify for is a quick review.
A Florida business owner recently came to us paying over $1,300/month for a marketplace plan.
After a quick review, we helped them find an alternative option that significantly reduced their monthly cost while maintaining strong coverage.
Most people don't realize what they qualify for until they take a look.
A Different Kind of Health Insurance Experience
Most Floridians have only ever been shown one path. Florida Private Health exists to show you the full picture.
Licensed & Compliant
Florida Private Health is a DBA of Lyons Life LLC, a fully licensed insurance agency. FL License #L132827. We operate with full transparency and regulatory compliance across all Florida markets.
Specialists in Self-Employed Coverage
We work exclusively with self-employed individuals, 1099 contractors, Realtors, and small business owners — the people most often underserved by traditional insurance channels.
Access to Multiple Private Carriers
We're not tied to a single carrier. Florida Private Health provides access to multiple private plan networks — including nationwide PPO options — so you see the full range of what's available.
Personalized Plan Matching
Every client situation is different. We review your health profile, income, and coverage needs to match you with the plan that actually fits — not just the most popular one.
No Enrollment Windows
Unlike the ACA marketplace, the private plans we work with are available year-round. You don't need to wait for open enrollment to explore your options or make a change.
Serving Floridians Statewide
We've helped clients across Miami, Fort Lauderdale, Boca Raton, Tampa, Orlando, and throughout Florida find coverage that reduces their monthly cost without sacrificing quality.
What Florida Clients Are Saying
"I was paying $1,380/month on the ACA marketplace as a self-employed contractor. Florida Private Health found me a PPO alternative that cut my monthly premium significantly. I wish I had called sooner."
Robert K.
Independent Contractor, Orlando
"As a freelance designer in Miami, I assumed affordable health insurance didn't exist for people like me. Florida Private Health showed me options I had no idea were available. I switched and haven't looked back."
Valentina M.
Freelancer, Miami
"I was skeptical at first — I'd been on the ACA for years and thought it was the only option. After a quick review with Florida Private Health, I found a private PPO plan at a fraction of the cost."
Thomas B.
Real Estate Agent, Fort Lauderdale
Individual results vary. Testimonials are representative examples and do not guarantee similar outcomes. Florida Private Health is a DBA of Lyons Life LLC, a licensed insurance agency.
What Florida Clients Are Saying
Real experiences from self-employed individuals and business owners across Florida.
"I was paying $1,450/month on the marketplace and assumed that was just the cost of being self-employed in Florida. After a quick review, I found a private option that cut my bill significantly. Wish I had done this years ago."
David R.
Fort Lauderdale, FL
"As a real estate agent in South Florida, I was uninsured for two years because I couldn't afford the marketplace premiums. Florida Private Health helped me find a PPO plan I could actually afford."
Maria S.
Boca Raton, FL
"I own a small business in Tampa and thought group insurance was my only option. The team walked me through private alternatives and the savings were real. No pressure, no obligation — just honest information."
James T.
Tampa, FL
Individual results vary. Testimonials are representative examples and do not guarantee similar outcomes. This website is for informational purposes only.
Why Florida Residents Are Switching to Private Health Options
Thousands of individuals across Florida — especially self-employed professionals, 1099 contractors, and small business owners — are exploring alternatives to traditional marketplace plans.
Many are finding lower monthly costs, better network access, and more flexibility. In cities like Miami, Tampa, Fort Lauderdale, and Orlando, the number of people investigating private health coverage options has grown significantly as marketplace premiums have continued to rise.
If you're currently paying high premiums or feel limited by your current plan, it may be worth taking a quick look at what else is available. You can also read our complete Florida health insurance guide for 2026.
Check your options in under 60 seconds.
Why People Work With Florida Private Health
We help self-employed individuals, 1099 contractors, and business owners across Florida understand their full range of health insurance options — not just the marketplace.
- Licensed health insurance guidance from professionals who know the Florida market
- No-obligation consultation — explore your options with zero pressure
- Helped clients across South Florida, Tampa, and Orlando reduce monthly premiums
- Access to multiple private carriers — not just one plan or one network
- Fast 60-second eligibility review to see what's available to you
We are not affiliated with Healthcare.gov or the federal marketplace. This website is for informational purposes only and does not guarantee eligibility or coverage.
Serving Clients Across Florida
Free Download
The Florida Private Health Plans for 2026
A complete guide to private health insurance options available to Floridians in 2026 — including plan types, pricing ranges, and who qualifies.