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Your Trusted Insurance Partner in Florida
Florida Health Insurance Advisors has been dedicated to providing quality insurance solutions for over two decades. Our mission centers on delivering premium insurance options and unmatched customer support, ensuring clients receive both quality coverage and service. With expertise in health, life, dental, and Medicare insurance, we prioritize personalized solutions tailored to individual and business needs. Our team treats every client with equal attention, never turning away service requests or questions. We specialize in navigating complex insurance landscapes, including QSEHRA, ICHRA, and Medicare plans, while maintaining transparency and budget-friendly options.Our commitment extends beyond policy sales, offering ongoing support and compliance guidance. As a Florida-based agency, we serve clients statewide with localized expertise. Our founders, Paul and Pam Lamer, bring decades of experience and a client-first philosophy that emphasizes trust and reliability. We pride ourselves on simplifying insurance processes, ensuring clients feel confident in their coverage choices. This dedication to service excellence has earned us long-term client relationships and industry recognition.
Services
Health Insurance
Life Insurance
Medicare Plans
Dental Insurance
QSEHRA Solutions
ICHRA Programs
Group Health Insurance
Short-Term Coverage
Employee Benefits
Insurance Consultation
Highlights and features
- We offer 24/7 customer service for urgent insurance needs
- We provide access to multiple carriers for competitive rate comparisons
- Our team specializes in Medicare and small business insurance solutions
- We maintain personalized support long after policy enrollment
- Our brokers have over 20 years of combined insurance industry experience
What people say
Exceptional customer service
Prompt responses
Personalized solutions
Knowledgeable guidance
Stress-free processes
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals and families, including ACA-compliant plans with access to premium tax credits. Our experts help clients navigate open enrollment periods and qualify for subsidies based on income. We offer plans from major carriers like Florida Blue and United Healthcare while ensuring coverage meets federal requirements.
Medicare Plans
Our Medicare specialists assist seniors in selecting optimal coverage options, including Supplement, Advantage, and Prescription Drug plans. We provide personalized guidance through enrollment processes and help clients understand Part A-D distinctions. Our team ensures clients find cost-effective plans that match their specific medical needs and prescription requirements.
QSEHRA Solutions
We implement Qualified Small Employer Health Reimbursement Arrangements for businesses with fewer than 50 employees. Our solutions allow tax-free reimbursements for medical expenses while maintaining IRS compliance. We handle plan design, employee education, and ongoing compliance monitoring to simplify benefits administration for small business owners.
Group Health Insurance
We offer customized group health plans for businesses of all sizes, including dental and life insurance options. Our services include carrier comparisons, HR management software integration, and compliance assistance. We help businesses attract talent with competitive benefits packages while maintaining cost control and regulatory compliance.
ICHRA Programs
Our ICHRA solutions provide flexible health reimbursement arrangements for businesses of any size. We help employers design tax-efficient benefit plans that accommodate varying employee needs based on job classification, age, or family status. Our team ensures affordability compliance and provides ongoing administrative support for seamless implementation.
People
Paul Lamer
Founder
With over 30 years in insurance, Paul transitioned from law enforcement to establish Florida Health Insurance Advisors in 1993. His independent brokerage approach ensures clients receive unbiased coverage recommendations. He specializes in small business solutions and maintains active involvement in client service and policy education.
Pam Lamer
Medicare Specialist
Joining the agency in 1998, Pam became a licensed agent with expertise in Medicare plan selection. She focuses on helping seniors navigate complex coverage options while maintaining exceptional client communication. Her personalized approach ensures clients feel supported throughout their insurance journey.
Questions
What types of insurance do you offer?
We provide health, life, dental, Medicare, QSEHRA, ICHRA, and group insurance solutions for individuals and businesses across Florida.
Do you help with Medicare enrollment?
Yes, our specialists guide clients through Medicare Part A-D enrollment and help select optimal Supplement or Advantage plans based on individual needs.
Can small businesses get affordable coverage?
We specialize in cost-effective solutions for businesses with 2-200 employees, including QSEHRA options for companies under 50 FTEs.
Are you available after business hours?
Our 24/7 service ensures assistance with urgent insurance needs outside regular business hours through dedicated support channels.
How do QSEHRA and ICHRA differ?
QSEHRA suits small businesses under 50 employees with standardized reimbursements, while ICHRA offers flexible benefits for businesses of any size with customizable contribution levels.
Do you offer ACA-compliant plans?
We provide all Affordable Care Act-compliant plans with essential health benefits and out-of-pocket protections as required by federal regulations.
