A new Florida-licensed insurance agency based in Coral Springs. Run by one person who answers his own phone.
I live in Coral Springs. The agency is registered at 545 Jefferson Dr #2-106, Deerfield Beach, FL 33442. I'm the agent behind FL Health Guide. The agency is brand new. I just graduated college with a business degree, got my Florida insurance license (#G227271), and started Turner Risk & Wealth LLC in 2025.
So no, I don't have a decade of stories about "saving families thousands." I haven't been doing this for a decade. What I do have is the time and the motivation to actually help. I'm working with people one at a time. When you call (207) 227-2395, you reach me. When you fill out the form on this site, I'm the person who calls you back. Not a call center in Manila or Phoenix.
I picked health insurance because I'd been self-employed through college and saw firsthand how confusing the marketplace is when you don't have an HR department choosing your plan for you. Florida has more people on ACA marketplace plans than any state in the country, and a lot of them are getting funneled through national call-center brokerages that don't know Broward Health from Memorial Healthcare. That bothered me. So I built this.
If you want to compare 2026 plans, I'm happy to help. No pressure. Either we find you something better than what you've got, or we don't, and if we don't, at least now you know.
Benjamin Turner
Florida Insurance License #G227271
Turner Risk & Wealth LLC · 545 Jefferson Dr #2-106, Deerfield Beach, FL 33442 · Founded 2025
Direct: (207) 227-2395 · Call or text anytime
You're not getting routed through a national call center. I'm a one-person agency. That has obvious limits if you need 24/7 IVR menus, but if you want someone who actually knows your situation when you call back, this is what that looks like.
I'm licensed in Florida and I write across the products most Floridians actually need: ACA marketplace plans, short-term medical (STM) for gap coverage, and hospital indemnity / supplemental policies. STM carriers: National General/Allstate, Pivot Health, UnitedHealthcare/Golden Rule. Indemnity: Allstate Health Solutions/National General. Not the right person for Medicare Advantage or multi-state group coverage.
Carriers pay broker commissions whether you enroll through me, through Healthcare.gov, or directly with the carrier. The plan price doesn't change. What going through an agent gives you is somebody to call when your situation changes mid-year, or when a claim gets denied, or when Open Enrollment rolls around again.
Big agencies are optimized for volume. New ones aren't yet. The practical effect is that I have time to walk through your plan options instead of pushing you to "the most popular Silver." If you're somebody who likes asking questions, that's a feature.
Important: I'm an insurance agent, not an insurance carrier. I help you compare and enroll in plans from carriers including Florida Blue, Ambetter, Molina, Oscar, and Cigna. I'm not affiliated with the federal government, Healthcare.gov, CMS, or any government program.
Florida has more people on ACA marketplace plans than any other state. Over 2.3 million Floridians signed up for 2026 coverage. That's not because Florida is great at health insurance. It's mostly because Florida didn't expand Medicaid, which means a lot of working-age adults who'd be on Medicaid in other states end up on subsidized ACA plans here instead.
The result is a marketplace that's huge, complicated, and full of agents trying to grab a piece of it. A lot of those agents are good. A lot are national call centers that don't actually know Florida hospital networks or county-level carrier availability. And a small but real percentage are running aggressive bait-and-switch tactics that CMS has been cracking down on since 2024.
My version is straightforward. I tell you what plans are available in your ZIP code, what your subsidy looks like based on your income and household size, and what the trade-offs are between the carriers competing locally. If a plan is wrong for you, I'll say so. If you're better off enrolling directly on Healthcare.gov yourself, I'll tell you that too. The commission is the same either way for me, so there's no reason to push you into the wrong plan.
I'm not a call center and I'm not a referral service. I'm the agent. Here's the actual flow when you fill out the form or call.
Turner Risk & Wealth LLC (dba FL Health Guide) is a Florida-licensed insurance agency (Benjamin Turner, License #G227271). We are not an insurance carrier or underwriter, and we are not affiliated with Healthcare.gov, CMS, or any government agency. We help Florida residents compare and enroll in plans from carriers including Florida Blue, Ambetter, Molina, Oscar, and Cigna. We do not guarantee plan availability, pricing, or coverage outcomes. Those are determined by carriers and the federal marketplace.
Many Floridians pay less for health insurance than they expect. Some pay $0/month after subsidies. Send me your basics and I'll walk you through what's available in your specific ZIP code, what your subsidy looks like, and what the carriers actually cover.