An independent American insurance agency committed to bringing clarity, transparency, and tailored protection to Florida individuals, families, and businesses.
Assertive Insurance was established with a singular focus: to replace confusing insurance jargon, restrictive call center menus, and generic plans with genuine, human-centric insurance guidance.
Headquartered in Hollywood, Florida, we operate as an independent insurance agency. Unlike "captive" agents who are obligated to sell the policies of only one corporate parent company, our advisors have the freedom to compare plans across multiple top-rated carriers. This ensures our loyalty remains firmly with you—the policyholder.
Whether you are a sole proprietor seeking health coverage, parents safeguarding a growing family, a small business structuring company benefits, or a retiree navigating Medicare, our licensed advisors guide you through every choice with patience, respect, and meticulous attention to detail.
Florida represents the nation’s largest and most dynamic health insurance marketplace. With over 4.2 million Floridians enrolled in ACA plans and hundreds of thousands of retirees relocating here annually, navigating coverage requires seasoned local expertise.
Florida leads the United States in ACA enrollment. However, carrier networks, hospital systems, and drug formularies shift significantly each year across Broward, Miami-Dade, and Palm Beach counties.
Over 1,000 seniors move to Florida every day. Transitioning from out-of-state employer health plans to Original Medicare, Medigap Plan G, or Medicare Advantage requires precise timing to avoid lifetime penalties.
Florida is home to over 3 million small business owners. Offering competitive group health, dental, and life benefits is vital for talent retention against national corporate employers.
Understanding who is representing you when you buy insurance makes all the difference in price and claim support.
| Key Consideration | Assertive Insurance (Independent Broker) | Captive Agent (State Farm, Allstate, etc.) | Direct Online Portal (Healthcare.gov, Carrier Direct) |
|---|---|---|---|
| Whose Interests Are Prioritized? | ✓ The Policyholder (You) | The Insurance Carrier Parent Company | Automated Algorithms & Call Center Metrics |
| Number of Carriers Quoted | ✓ Dozens of Top-Tier Insurers | Only 1 Carrier (Their Own) | Varies by portal; no custom cross-comparison |
| If Your Rates Increase at Renewal | ✓ We proactively shop other top carriers for you | They can only offer to cut your benefits | You must start the entire application over alone |
| Doctor & Hospital Cross-Checking | ✓ We verify your specific doctors before enrollment | Only checks their single network | Self-service directory search with high error risk |
| Human Claims & Billing Advocacy | ✓ Dedicated local Florida advisor assigned to you | Moderate local office support | 1-800 automated call centers with long hold times |
| Cost of Advisory Services | ✓ 100% Free (Rates fixed by state law) | 100% Free (Carrier-fixed rates) | Same exact rate—with zero human guidance |
How we ensure you receive tailored, cost-effective, and fully verified coverage from start to finish.
We review your medical priorities, preferred doctors, prescription formularies, and expected household budget during a relaxed consultation.
We scan the entire Florida market across Florida Blue, Oscar, Ambetter, Aetna, Cigna, UnitedHealthcare, and Mutual of Omaha.
We calculate Advance Premium Tax Credits (APTC), Cost-Sharing Reductions (CSRs), or small business tax credits (IRC 45R) to minimize net cost.
Before submitting an application, we cross-reference your specific clinics and specialists against active in-network provider lists.
We manage all enrollment filings, confirm billing setups, and ensure your physical and digital ID cards are issued promptly.
Insurance networks and premiums change annually. Every October, we audit your policy and present optimized options for the coming year.
We maintain strict underwriting and financial strength standards before recommending any insurance provider to our Florida clients.
We prioritize carriers with an A.M. Best financial rating of "A-" (Excellent) or higher, ensuring the reserves to pay catastrophic claims.
We verify robust hospital contracting across major Florida health systems (Baptist Health, Memorial, Cleveland Clinic, Jackson, UF Health).
We monitor state claims-settlement ratios and consumer complaint indexes to ensure prompt and fair policyholder treatment.
We track year-over-year prescription drug formulary consistency so vital medications aren't dropped abruptly from coverage.
Insurance isn't one-size-fits-all. Our team is organized into focused divisions dedicated to specific stages of life and business.
Specializes in ACA Marketplace enrollment, Advance Premium Tax Credits, child pediatric benefits, embedded deductibles, and off-exchange private health plans for self-employed professionals and growing households.
Explore Individual Plans →Engineers group medical, dental, vision, life, and disability plans for companies with 2 to 200+ employees. Expert guidance on Level-Funded savings, Section 125 pre-tax cafeteria plans, and Small Business Tax Credits (IRC 45R).
Explore Corporate Benefits →Structures 10–30 year Level Term, permanent Whole Life, and Universal Life policies using D.I.M.E. needs analysis. Focuses on income replacement, mortgage debt payoff, and accelerated living benefits riders.
Explore Life Insurance →Guides Florida retirees through the transition to Medicare. Unbiased side-by-side evaluation of Medigap Plans G and N versus Medicare Advantage (Part C), plus Part D prescription formulary optimization.
Explore Medicare Guidance →Assertive Insurance operates under the strict regulatory oversight of the Florida Department of Financial Services (DFS) and the Florida Office of Insurance Regulation (OIR). Every advisor on our staff is a licensed professional maintaining ongoing continuing education in healthcare compliance, HIPAA privacy protections, and ethics.
We take pride in being accessible. While large national lead-generation websites route your phone number to overseas call centers, Assertive Insurance provides direct access to dedicated advisors based right here in South Florida.
Everything you need to know about partnering with Assertive Insurance.
Insurance broker compensation is built directly into insurance carrier actuarial pricing and regulated strictly under Florida state law. If you enroll in a plan through our brokerage, the insurance carrier pays us a standardized commission for administering your enrollment and providing ongoing customer service. You never pay a fee, markup, or surcharge of any kind—your premium is identical to buying directly from the carrier.
No. Under Florida insurance statutes, insurance rates are filed and legally fixed. An insurance company cannot discount a policy because you purchased it on their website or over their direct phone number. By working with Assertive Insurance, you pay the exact same regulated rate while gaining an independent licensed advisor who represents your interests year-round.
When doctor contracts change, our client advocacy team assists you immediately. We can help file continuity of care requests (which permit you to finish active treatments with that provider at in-network rates) or locate an accredited in-network specialist with equivalent credentials in your immediate Florida community.
Not at all. While our Hollywood headquarters is fully open for scheduled appointments (Monday through Friday, 9:00 AM – 7:00 PM EST), over 80% of our clients work with us comfortably by telephone, encrypted email, or secure video conference across all 67 counties in Florida.
We recommend a comprehensive review at least once per year during the annual Open Enrollment Period (November 1 to January 15 for health plans, and October 15 to December 7 for Medicare), or whenever you experience a major life event such as marriage, birth of a child, relocation, or income changes.
Yes. That is one of the greatest benefits of having Assertive Insurance in your corner. If you receive an unexpected balance bill or claim denial from a carrier, our client advocacy team contacts the insurance carrier's provider relations department on your behalf to review diagnostic codes, resolve billing errors, and facilitate appeals.
Speak with an independent Florida advisor who puts your healthcare and financial security first.
