Independent Health Insurance Broker

Health Insurance Guidance Without the Sales Pitch

As an independent broker, I work for you, not the insurance companies. Get objective advice across the entire market to find solutions that actually fit your needs.

Schedule Free Consultation Explore Services

Carrier-Neutral Advice

I represent you, not an insurance company

Consultative Approach

We start with your situation, not a sales script

Ongoing Partnership

I'm here at renewal time and when life changes

Carrier Partners We Work With

Services

Comprehensive Health Insurance Consulting

Whether you're an individual looking for coverage or a business building a benefits program, I bring you options, not limitations.

Individual & Family

Finding the right health coverage shouldn't mean settling for whatever one company offers. I analyze plans across multiple carriers to match your needs, budget, and doctors.

  • Health insurance (on & off marketplace)
  • Dental and vision coverage
  • Supplemental coverage
  • Medicare transitions

Small Business & Group Benefits

Attracting and retaining talent starts with competitive benefits. I help small business owners design packages that make sense financially while actually serving employees.

  • Group health plan design
  • Contribution strategy
  • Employee enrollment support
  • Renewal analysis & negotiations

Benefits Strategy Consulting

Not sure where to start or whether your current setup makes sense? I offer consultations to assess your situation and help you build a strategy, whether or not you work with me long-term.

  • Coverage gap analysis
  • Cost benchmarking
  • Carrier & plan comparisons
  • Long-term benefits planning

How I Work

A Consultative Process, Not a Sales Funnel

I believe in earning your trust through transparency and results, not pressure tactics.

1

Discovery

We start with a conversation about your needs, priorities, and concerns. Not a pitch.

2

Market Analysis

I research options across multiple carriers to find plans that actually fit your situation.

3

Recommendation

You receive clear comparisons with honest pros and cons. The decision is always yours.

4

Ongoing Support

I'm here for questions, claims issues, and annual reviews. The relationship doesn't end at enrollment.

Client Stories

Real Families, Real Results

Hear from people who've experienced the difference of working with an independent broker.

★★★★★

"We were paying $850/month with a huge deductible. Chris found us a Gold plan for $127/month and saved us over $8,600 a year. The subsidy optimization was incredible."

SM
Sarah M.
Family of 4 · Tampa, FL
★★★★★

"Self-employed and completely lost on healthcare.gov. Chris walked me through every option, got me a $0 premium Gold plan, and actually answers when I call. This is how it should work."

MR
Michael R.
Self-Employed · Austin, TX
★★★★★

"Three years running, Chris proactively reaches out before renewal with optimized options. When I had surgery, he handled every claim issue. Professionalism you rarely see."

JK
Jennifer K.
Single Parent · Charlotte, NC
Chris Alfano - Independent Health Insurance Broker

Meet Chris

Your Neighbor, Your Broker

Hey, I'm Chris Alfano, an independent health insurance broker based right here in Sarasota, Florida. When I'm not helping families find the right coverage, you'll find me at the gym, out on a trail, or firing up the grill at home with my wife and our dog. I love getting outdoors and hunting whenever I get the chance.

I got into this business because I kept seeing people stuck in plans that didn't actually fit their lives. They were sold by agents who answered to insurance companies, not to the people they were supposed to be helping. That never sat right with me. So I went independent. Now I work for you. No quotas, no corporate pressure. Just real talk and real options.

This isn't just a job for me. It's about building relationships that last. I want to be the guy you call when something on your bill doesn't make sense, when you have a random question at 8pm, or when life changes and your coverage needs to change with it. I'm in this with you.

100%
Independent
31+
States Licensed

Coverage Area

Licensed Across America

Licensed and certified in 31+ states with established relationships coast to coast.

31+ States Licensed

Southeast

  • Florida
  • Georgia
  • Alabama
  • South Carolina
  • North Carolina
  • Tennessee
  • Kentucky
  • Virginia
  • West Virginia

Northeast

  • Pennsylvania
  • Maryland
  • Delaware

Midwest

  • Ohio
  • Michigan
  • Indiana
  • Illinois
  • Wisconsin
  • Iowa
  • Missouri
  • Kansas
  • Nebraska
  • South Dakota

South & West

  • Texas
  • Oklahoma
  • Arkansas
  • Louisiana
  • Mississippi
  • Montana
  • Wyoming
  • Utah
  • Nevada
  • Colorado

Expanding Nationwide: If you don't see your state, contact us. We're continuously adding licenses and can often accommodate new states within 30 days.

Check Availability in Your State

Let's Talk About Your Insurance Needs

Whether you have a specific question or want to explore your options, I'm happy to help. No pressure, no obligation, just honest guidance.

Phone (941) 949-7026
Email
Schedule Directly Book on Calendly

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