Your Guide to Smarter Insurance Decisions

At Healthcare Solutions Team Brandon, we specialize in delivering personalized, practical insurance solutions for individuals, families, and small business owners across Florida. As a licensed insurance company in Riverview, FL, and over 45 states, our mission is simple: make health insurance understandable, accessible, and built around your life—not someone else’s. Whether you're a freelancer, contractor, or running a growing 1099-based business, we provide flexible coverage options that support your financial security, long-term wellness, and peace of mind.

Serving clients throughout Riverview and nearby areas like Brandon, Tampa, and Wesley Chapel, our team brings decades of experience helping the self-employed, uninsured, and underinsured get real protection, without the red tape.

Understanding Health Insurance: The Basics

Choosing health insurance shouldn't feel like decoding a foreign language. At its core, a health plan is designed to help cover the cost of medical care: doctor visits, prescriptions, hospital stays, and more. Here's a breakdown of essential terms:

Understanding these elements helps you evaluate whether a plan is a good fit for your health and financial goals.

Essential Coverage Explained

Under the Affordable Care Act (ACA), most Marketplace health plans are required to cover 10 essential health benefits. These include:

We help our clients find plans that go beyond the minimum. Plans that offer real value, especially when managing chronic conditions or covering dependents.

Health Insurance for 1099 Contractors & Self-Employed Professionals

If you're self-employed or running a 1099 team, you don’t have an HR department looking out for your benefits, but that doesn’t mean you should go without. We specialize in plans tailored for:

Our team will walk you through both ACA-compliant and private plan options that keep premiums affordable while still covering emergency care, preventive screenings, and prescriptions.

Exploring Plan Types: Know What You’re Getting

1. HMO (Health Maintenance Organization): Lower premiums, network restrictions, and required referrals.
2. PPO (Preferred Provider Organization): Higher flexibility, no referrals, out-of-network coverage.
3. EPO (Exclusive Provider Organization): In-network only, but no referrals needed.
4. HDHP (High Deductible Health Plan): Pair with a Health Savings Account (HSA) for tax benefits.
5. Catastrophic Plans: High deductibles, low premiums. Great for emergency protection if you're under 30 or meet hardship qualifications.

Planning for the Long Term

Good insurance doesn’t just protect you today; it supports your future. Our plans can help you:

• Invest in preventive care
• Manage long-term conditions
• Reduce financial risk for your family
• Access care when and where you need it
• Build benefits around your changing lifestyle and income

We offer guidance on annual plan reviews, so your insurance evolves as you do, from your first freelance job to running a full-time business.

At Healthcare Solutions Team Brandon, we don’t just sell policies. We also build long-term relationships with people who need real solutions, real guidance, and real support. Ready to make your next move with a team that puts your needs first? Contact us today to speak with a licensed agent.