Michael D'Angelo helps individuals, families, and business owners across South Florida — from Stuart and the Treasure Coast down through Palm Beach County to Miami-Dade — find the right health and life insurance, without the complexity or the sales pressure.
Carrier Partners
As an independent broker, I work for you — not the insurance companies. That means comparing dozens of plans across top carriers to find the right fit at the right price.
Individual, family, and ACA marketplace plans tailored to your health needs and budget. Includes dental and vision options.
Request a Quote →Term, whole, and universal life policies that protect your family's future and build lasting financial security.
Request a Quote →Competitive health and life benefit packages for small and mid-size businesses. Attract and retain top talent with the right coverage.
Request a Quote →Nobody schedules the wreck, the chest pain, or the diagnosis. If you're self-employed or 1099, nobody hands you a plan either. The difference between an expensive year and a ruined one is whether coverage was already in place when the ambulance was called.
National average billed charges, 2026
There is no upper limit. Uninsured patients are billed at full list price, and hospital list prices average 164% above what insurers actually pay.
2026 federal limit, in-network, ACA-compliant plans
$10,600
The most one person can be required to pay in a year for covered in-network care. Past that, the plan pays 100% — whether the year costs $40,000 or $400,000.
$21,200 is the equivalent cap for a family, and most plans set their limits well below the federal maximum.
By total annual fatalities, I-95 leads every other route in the country — and South Florida carries some of its heaviest traffic.
Reported on Florida roads in a single year. More than 40% of Florida crashes leave someone injured.
Owed in medical debt across the country. Adults who go part of the year uninsured are the most likely to be carrying it.
People picture a catastrophe. What shows up is an ordinary Tuesday that goes sideways. Every one of these puts someone in a South Florida emergency room, and every one arrives without warning.
Every one of these is survivable. Whether it's also affordable is decided long before it happens.
Going through a broker instead of a government website opens up plans that never appear on the exchange — and for a lot of 1099 earners, those plans fit better. Here's what usually decides it.
Many exchange plans in South Florida are narrow-network HMOs that require referrals and drop you outside the county. Private PPO options are often broader, and some travel nationally — which matters if you work across state lines or spend part of the year up north.
Self-employed people can generally deduct health, dental, and vision premiums for themselves and their family above the line, up to their net self-employment income — whether or not they itemize. Unsubsidized private coverage keeps that deduction clean. Ask your tax preparer how it applies to you.
Commission and 1099 income swings. Estimate low on a subsidized exchange plan and a good year means repaying the credit at tax time. Unsubsidized private coverage takes that reconciliation off the table entirely.
Change brokerages, lose a client, take six months between jobs — the plan is yours, not an employer's. Nothing lapses because a W-2 ended, and there's no COBRA premium waiting on the other side.
You don't have to hit a deductible to benefit. From the first visit you're billed at the plan's negotiated rate instead of the hospital's list price, and that gap alone is frequently larger than the premium.
Physicals, labs, prescriptions, imaging, mental health, urgent care. Most people never have the catastrophe — they have a bad knee, a persistent cough, and a kid who needs stitches, and coverage is what keeps those from turning into a bill.
ACA-compliant plans cover in-network preventive care — the annual physical, the bloodwork, the colonoscopy, the mammogram — with no cost sharing. Stage one and stage three are the same disease with wildly different prices attached.
A new diagnosis can come with a drug that runs four figures a month at cash price. What the plan's formulary covers, and what tier the drug sits on, is worth checking before you need it rather than at the counter.
Medical debt is what quietly ends a self-employed person's next move. It drains the reserve, shows up when you apply for a mortgage or a business line, and outlasts the injury that caused it by years.
Broker services cost you nothing beyond the premium — carriers build the commission in either way. The difference is having someone who knows your file when a claim gets denied, instead of a call center queue.
You don't have to wait for open enrollment. A qualifying life event can start a special enrollment period — but the window is short, usually 60 days, and it closes whether or not anyone told you it was open.
If any of these happened in the last two months, get in touch before the window closes. If none of them did, there are still options worth hearing — a five-minute conversation will tell you which.
No fee to you, and no obligation to enroll. I'll read the exclusions out loud.
Cost figures are national averages compiled from CMS National Health Expenditure data, KFF State Health Facts, KFF medical debt analysis, and AHRQ inpatient data, shown for illustration only; actual costs depend on your provider, location, and plan. The $10,600 and $21,200 figures are the 2026 federal maximum annual limitation on cost sharing for in-network essential health benefits under ACA-compliant plans. They do not include premiums, out-of-network charges, balance billing, or non-covered services, and do not apply to short-term, fixed indemnity, or other limited-benefit products. Preventive care at no cost sharing applies to in-network services under ACA-compliant plans only. Crash data from the Florida Department of Highway Safety and Motor Vehicles; boating data from the Florida Fish and Wildlife Conservation Commission 2025 Boating Accident Statistical Report. Scenarios described above are illustrative and are not claim examples. Special enrollment period eligibility depends on the qualifying event, supporting documentation, and applicable filing deadlines. Network breadth, benefits, exclusions, pre-existing condition treatment, enrollment windows, and plan availability vary by carrier, plan type, and state — coverage is governed solely by the issued policy. Nothing here is tax advice; consult a qualified tax professional about your own deduction.
No quotas. No commissions tied to specific carriers. I compare plans across 30+ insurance companies to find what actually works for you.
No two families or businesses are the same. Your plan starts with your needs, your budget, and your goals — not a pre-packaged option.
Your coverage needs change over time. I conduct annual reviews and am available year-round — not just at enrollment time.
"Michael saved our family thousands annually and made the whole process effortless. He explained every option clearly and never once pushed us toward something we didn't need."
"As a small business owner, I needed group benefits that would actually compete with larger companies. Michael found us a plan that boosted our team's morale — and fit our budget."
"I had no idea how to navigate life insurance after having kids. Michael walked me through everything with zero pressure and set up a policy that gives me real peace of mind."
For over three years, I've helped individuals, families, and business owners navigate the often confusing world of health and life insurance. My approach is simple: listen first, then find the solution that truly fits — not the one that pays the highest commission.
As an independent advisor, I'm not beholden to any single insurance company. That independence is your advantage — I work across the market so you don't have to.
Plan availability, provider networks, and premiums change county by county in Florida. A plan that fits in Martin County may not even be offered in Miami-Dade. Pick your area for what's actually available where you live — if you're self-employed in Broward County, start there, or if you're moving here from another state, start there instead.
Coverage for the Treasure Coast — Stuart, Jensen Beach, Palm City, Hobe Sound, and Port St. Lucie. Heavy demand here from retirees bridging the gap to Medicare, and from marine trades, charter captains, and contractors who need individual plans instead of group benefits.
Serving West Palm Beach, Palm Beach Gardens, Jupiter, Wellington, and Boynton Beach. My busiest market for realtors, mortgage professionals, and owners of small firms weighing group benefits against reimbursing individual plans. Looking specifically for life insurance in Palm Beach County?
Fort Lauderdale, Hollywood, Pompano Beach, Plantation, Coral Springs, and Pembroke Pines. Written for Broward's 1099 workforce — marine trades and yacht crew along Marina Mile, roofers and HVAC techs, salon and studio owners, hospitality staff working season to season, and anyone still paying COBRA out of habit.
Coverage across Miami, Miami Beach, Coral Gables, Doral, and Kendall. Built for the 1099 economy — content creators, independent contractors, rideshare drivers, and medical practice owners who lost employer coverage when they went out on their own.
Your old plan stops working at the state line, and a permanent move opens a special enrollment window — you don't have to wait for November. See how to keep the doctors you already have, in Florida and back home.
Don't see your city? I'm licensed throughout the State of Florida — send me a message and I'll tell you what's available at your ZIP code.
A free, no-pressure consultation takes 15 minutes. You'll walk away with clarity — whether you choose to work with me or not.
Fill out the form and I'll reach out within one business day to schedule your free, no-obligation consultation.