We're not a national call center or a generic insurance marketplace. We're a Florida-focused operation built to help real Floridians find real coverage at prices that actually make sense.
FL Health Guide is operated by Turner Risk & Wealth LLC, an independent insurance services company based in Florida. We are not affiliated with, endorsed by, or operated by any government agency, insurance carrier, or health insurance marketplace. We're independent — which means we work for you, not for any one carrier.
Since 2022, we've helped thousands of Florida residents navigate the ACA marketplace, understand what they qualify for, and enroll in plans that fit their budgets and their doctors. Our service is 100% free. Always has been, always will be.
We are not a licensed insurer. We connect consumers with licensed insurance professionals who are certified to sell ACA health insurance plans in Florida. Those professionals do the comparison work, answer your questions, and handle enrollment — at no cost to you.
Because we're not owned by or affiliated with any single carrier, we can show you every plan available in your area — Florida Blue, Ambetter, Molina, Oscar, Cigna — and help you compare them honestly.
We don't serve 50 states. We serve Florida. That means we know which carriers are strong in Miami-Dade vs. Escambia County, which plans have the best hospital networks in Tampa, and what subsidies look like for Orlando residents.
Licensed agents connected through FL Health Guide are compensated by the insurance carriers, not by you. You pay the exact same premium whether you enroll with us or go directly to healthcare.gov. We just make it easier.
Every insurance professional we connect you with is licensed to sell health insurance in Florida and certified to enroll in ACA marketplace plans. No unlicensed agents. No fly-by-night operations.
Florida is home to more ACA-enrolled residents than any other state — over 2.3 million people signed up for 2026 marketplace plans. That's a remarkable number. But it still leaves millions of Floridians uninsured or paying far more than they need to.
Here's the disconnect: Florida did not expand Medicaid. That means residents who earn too much for traditional Medicaid but too little to easily afford unsubsidized insurance are often stuck. Add in the complexity of ACA subsidy rules, carrier networks, metal tiers, and Special Enrollment Periods — and it's easy to see why so many people just give up.
That's the gap we fill. Our mission is simple: help Floridians understand what they actually qualify for, compare every available plan, and get enrolled — without the government portal headaches, without the jargon, and without any cost.
"Our job is done when a Florida resident who was going without insurance — or overpaying — is enrolled in a plan that works for their budget, their doctors, and their life. We've seen people go from paying $400/month to $0/month. We've seen families who hadn't seen a doctor in years finally get coverage. That's what this is about."
— FL Health Guide Team
FL Health Guide acts as a bridge between Florida residents and licensed insurance professionals. Here's the simple version of what happens when you use our service:
FL Health Guide and Turner Risk & Wealth LLC are not licensed insurers and do not directly sell insurance. We are an independent referral and information service that connects Florida residents with licensed insurance professionals certified under the ACA marketplace. All plan details, premium quotes, and enrollment are handled by licensed agents. We do not guarantee plan availability, pricing, or coverage terms — those are determined by carriers and the federal marketplace.
Millions of Floridians pay less than they expect for health insurance — many pay $0/month. Our free service connects you with a licensed professional who can show you your real options in about 15 minutes.
2,400+ Floridians helped since 2022
By clicking "See My Free Plans", I provide my express written consent for FL Health Guide and licensed insurance agents to contact me at the number provided via phone, email, or automated text message. Consent is not required to purchase. Privacy Policy
A licensed agent will call you within 15 minutes with your personalized options.
(888) 990-4921 — or call us now