Health Insurance

Regardless of your age, if you are under 1 or over 101, we will at some time need some medical care. With a good health plan in place you will feel secure that in the event you need care, it will be provided in the best manor and with the best of Doctors and staff.

Individual plans are available with or without maternity and prescription benefits. Also with the HSA or more traditional plans you are familiar with. The Health Savings Account (HSA) Plan is available in the State of Florida. You have your choice of deductible and co-insurance levels. If your health is generally good, you might want to consider a higher deductible to save on premium cost. Then add a Co-Pay for the Dr.s office visits. Keeping the overall cost down, yet still having access with a Co-Pay to the Dr.

We have found Celtic Insurance in Chicago to have some of the best rates. Use the link below to go to their site.

You may obtain a quote and apply for coverage online. If you have any questions, please call us

CELTIC LINK

Group Plans have a wide spectrum of options available. In the State of Florida, groups start with one member. Not always the most practical, but available. The size of your group will make a difference when it comes to underwriting for approval. The more you have, the less questions there are regarding the employees health. Health Savings Accounts are also available with a group plan. With certain size groups, you can mix HSA and traditional health plans. Appealing to a broader number of employee’s. Contact us for an appointment to meet with you and go over the options available for your employee’s. Having employees at several locations is not a problem.

Health Savings Account

Health Savings Accounts have many options that appeal to both the individual / employee and the employer. They are especially attractive to individuals that are healthy.  One may compare them to an IRA or Roth IRA for tax purposes. All benefits are available, there is no loss of any benefits by utilizing a HSA.

      The appeal of the HSA begins with the LOWER premiums paid with  pretax money. 

From the premium, a portion goes into a Savings account. The individual has a check book for access to the funds. This account receives interest, growing tax free. As any health related bill is acquired, it is paid from the savings account, on a tax free basis. This goes towards the deductible.

There is generally a higher deductible with a HSA. However, if you are healthy, your medical needs are minimal, and the money continues to grow at Tax Free interest. There are some benefits paid at 100% before the deductible. Over a short time, you will have more than the deductible in the account. Then to cover the deductible cost in not a major concern.

Reaching the age of 59 & 1/2. you can access all of the funds with out the 10% penalty, like an IRA, or let them stay in the account. Now that you are older, the chances have increased that you will have some medical needs. That account is all yours to use, tax free, for any medical related expenses.

Contact us regarding a health plan to meet your needs

E-mail us @

352.787.5061 or  877.822.3201