An independent broker who believes insurance should be explained simply and chosen without pressure.
Hi, I am Brian Smith. I am an independent Health and Medicare insurance broker, and I built my practice around a simple idea: people deserve honest, patient guidance when they make one of the most important decisions for their health and their family. Insurance is full of jargon and fine print, and too many people end up in the wrong plan simply because no one took the time to explain their options. I take that time.
I became a broker because I saw how confusing and stressful the insurance process is for ordinary people — especially for those turning 65 and facing Medicare for the first time, and for families trying to make sense of the ACA Marketplace. I wanted to be the kind of advisor I would want for my own parents: someone who answers the phone, explains things in plain language, never pushes, and treats every client with respect.
I am not a captive agent for any single insurance company. As an independent broker, I represent many carriers, which lets me compare plans objectively and recommend the one that truly fits your needs and budget. My loyalty is to you, not to a quota.
This independence matters most when your situation is unique — maybe you travel often and need nationwide coverage, maybe you take a specific medication and need to be sure it is on the formulary, or maybe you want the predictability of a Medicare Supplement versus the extra benefits of an Advantage plan. Because I can shop across carriers, I can tailor the recommendation to you.
Before I ever mention a plan, I want to understand your health, your budget, the doctors and hospitals you want to keep, and what peace of mind looks like for you.
I do the comparison shopping and lay out your options clearly, side by side, with the trade-offs explained. You make the decision.
My help does not end at enrollment. I stay available all year to answer questions, help with claims or ID cards, and review your coverage each fall.
Federal guidelines are strict: I complete a Scope of Appointment before discussing specific Medicare Advantage or Part D plan details, and I only reach out about Medicare topics after you have given me permission to do so.
For ACA Marketplace help, I obtain your consent to contact before assisting with your coverage. These safeguards keep you in control of your personal information.
I am licensed to help clients in Florida, Georgia, Ohio, Tennessee, and Louisiana. Because insurance is regulated at the state level, I stay current on the plans, carriers, and rules in each of these markets. My home base is Riverview, Florida, and I am glad to serve neighbors across the greater Tampa Bay area as well as clients throughout the states I am licensed in.
Even when they are not what a salesperson would say.
With your questions, no matter how many times you need something explained.
For your time and your decision — I would rather you feel confident than rushed.
It means I am not tied to any single insurance company. I represent many carriers and compare them objectively to find the plan that fits you best.
Carriers pay brokers a standard commission that is already built into the plan's price. It costs you nothing extra and never raises your premium.
Not at all. I help individuals and families of every age — from young families shopping ACA plans to retirees on Medicare.
Yes. I stay available all year for questions, claims, and an annual review of your coverage.
There is no cost and no obligation — just honest answers to your questions. Reach out however is easiest for you.
I typically reply within one business day.
Prefer to skip the form? Reach me directly — whichever way is easiest for you.
Visits available within about 30 miles of Riverview, Florida, including Apollo Beach, Sun City Center, and Brandon.
Mon–Fri, 8am–6pm ET, with flexible evening and weekend appointments by request.