No fees. No obligation. No pressure. If you have been typing “affordable affordable health insurance agent near me” into Google at 11 PM, you are exactly who we built this agency for. Bilingual service in English, Spanish and Haitian Creole.
Biscayne Bay Life & Health Insurance Group is an independent Miami insurance agency founded in 2011 by Carmen Delgado, a licensed Life & Health agent with 23 years in the industry. Our eight licensed agents and three bilingual support staff represent more than 18 carriers across life, Medicare, ACA Marketplace and small group benefits — which means we are never pressured to push one company’s product. We compare real quotes from Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Ambetter, Molina, Mutual of Omaha, Transamerica and others, explain the fine print in plain language, and let you decide. Every consultation, quote and annual policy review is completely free.
Coverage from $50,000 to $2,000,000 with level premiums that never increase during the term. A healthy 30-year-old in Miami can often lock in $250,000 of 20-year term coverage for roughly $18–$24 per month, while a healthy 45-year-old may qualify for $500,000 at approximately $58–$75 per month. We run informal underwriting first so you see your true rate class before any medical exam.
Talk to an agent now: +1-540-352-6249
Get Free QuotePermanent coverage that builds tax-deferred cash value you can borrow against later. Popular with Miami small business owners and self-employed 1099 contractors who want a death benefit plus a long-term asset. We illustrate guaranteed versus non-guaranteed columns line by line so you understand exactly what is promised and what is projected.
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Get Free QuoteSmall-face policies from $5,000 to $25,000 designed to cover funeral costs, cremation, outstanding medical bills and small debts. Typical premiums run $32 to $95 per month depending on age and coverage amount, and no-medical-exam options are available. We also offer Guaranteed Issue life insurance for ages 50–85 with no health questions asked.
Talk to an agent now: +1-540-352-6249
Get Free QuoteAHIP-certified and CMS-compliant agents who can enroll you in Medicare Part C, Medigap Plan G, or a standalone Part D drug plan. Many Medicare Advantage plans in Miami-Dade carry a $0 monthly premium, and Medigap Plan G typically runs $115–$210 per month depending on age and carrier. We check your doctors and prescriptions against each network before recommending anything.
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Get Free QuoteSelf-employed workers, gig drivers, restaurant and construction crews in Miami-Dade often qualify for premium tax credits that cut monthly costs dramatically — many of our clients pay under $50 per month after subsidies. We handle the entire Healthcare.gov application, income verification and Florida KidCare enrollment at no cost to you. Learn more on our insurance services page.
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Get Free QuoteMiami restaurants, salons, construction firms and professional offices use group health, dental, vision, short-term disability and group life to recruit and keep good staff. We quote multiple carriers, help with participation requirements and handle the enrollment paperwork for your team. Ask about our free group benefits audit for businesses already offering coverage.
Talk to an agent now: +1-540-352-6249
Get Free QuoteThere are hundreds of insurance websites competing for the phrase “affordable health insurance agent near me” — but very few of them will answer the phone at 6 PM on a Tuesday and walk you through a subsidy calculation in Spanish. That local, human, education-first approach is why more than 2,000 South Florida families have trusted us with their life and health coverage since 2011.
Our main office sits at 2740 SW 8th Street in Little Havana, with a satellite office at 8900 SW 117th Avenue in Kendall. We have served the Miami community for 14+ years and know how Miami-Dade networks, HMO service areas and hospital systems actually differ from Broward or Monroe County.
Our published service promise is a 24-hour response guarantee on every quote request and client question — and our average actual reply time is under 2 business hours. During Medicare Annual Enrollment (Oct 15 – Dec 7) and ACA Open Enrollment (Nov 1 – Jan 15) we keep evening video appointments open Monday through Thursday until 8:00 PM.
Consultations, quotes, subsidy calculations and annual policy reviews cost you nothing — carriers pay our commission, not you. You will never see a hidden agency fee on an application. We also back our work with a rate-shopping guarantee: find a lower rate for identical coverage and we will match it or explain exactly why the difference exists.
Interested in learning more? Submit the form below.
We are A+ BBB accredited since 2015, hold active Florida licenses 2-15 and 2-40, complete annual continuing education plus AHIP Medicare certification, and carry errors & omissions coverage. Our no-pressure promise is simple: nobody is ever asked to commit during a first appointment.
Captive agents can only sell one brand. We are appointed with 10 health and Medicare carriers — Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Ambetter, Molina Healthcare, Oscar Health, Doctor’s Health Plan and Simply Healthcare — plus 8 life carriers including Mutual of Omaha, Foresters Financial, Americo, John Hancock, Transamerica, North American, Nationwide and Gerber Life.
That independence is the single biggest reason our clients save money. When a carrier changes a formulary, raises a Medigap rate or exits a county, we simply move you to the best remaining option instead of leaving you stranded. Our team has personally completed more than 5,000 plan comparisons for Miami-area households.
No jargon, no pressure and no surprise. Most Miami clients complete the entire process in a single 30-to-45-minute appointment — by phone, in our Little Havana or Kendall office, or over secure video.
Call +1-540-352-6249 or submit the quote form and tell us whether you need individual health, Medicare, life or group coverage. Within one business day — usually within two hours — a licensed Miami agent reaches out to schedule a free consultation at a time that fits your shift, including evening video appointments.
We review your household income, doctors, prescriptions, ZIP code and existing policies. For ACA coverage we calculate your premium tax credit eligibility on the spot; for Medicare we run your medication list against each Part D formulary. This step also includes a complimentary review of any policy you already own, even one purchased elsewhere.
You receive two to four real options with plain-language explanations of premiums, deductibles, copays, networks and exclusions. We show you the math, not a sales pitch. If nothing fits your budget, we will tell you honestly and suggest an alternative — including Florida KidCare or a lower-face final expense policy.
We submit the application, confirm your effective date, and stay on as your advocate. Every client receives a free annual policy review and beneficiary check, plus claims advocacy where our team calls the carrier and handles the paperwork for you and your beneficiaries — a service most online-only agencies simply do not provide.
Fill out the short form and a licensed South Florida agent will contact you with personalized life and health insurance options. Prefer to talk right now? Call +1-540-352-6249 — bilingual support is available in English, Spanish and Haitian Creole.
Visit our contact page for office directions to Little Havana and Kendall.
Our agents meet clients in person across Miami-Dade County, with video and phone appointments available statewide for life insurance. If you are searching for an affordable affordable health insurance agent near me and you live anywhere from Hialeah to Homestead, we are already in your neighborhood.
We also serve Broward County (Hollywood, Pembroke Pines, Miramar, Fort Lauderdale) and Monroe County (Key Largo, Islamorada) for health and Medicare appointments. Life insurance is licensed and available statewide across all of Florida. Don’t see your area? We serve the entire region — call us at +1-540-352-6249 and we will confirm coverage in your ZIP code today.
These are real outcomes from real South Florida households — not marketing copy. Every review below reflects the carrier, the plan year and the savings our clients actually received.
“I’m a 1099 rideshare driver with no benefits, so I searched for an affordable health insurance agent near me and found Carmen’s team. They ran my income and got me an Ambetter plan with a $312 monthly subsidy. I now pay $41 a month instead of the $353 the website quoted me.”
“My mother turned 65 in November and we were completely lost on Medicare. The agent compared four Part D plans against her nine prescriptions and moved her off one that wasn’t covering her inhaler. Her out-of-pocket drug cost dropped from about $180 a month to $34. They explained everything in Spanish for her.”
“I called at 9:40 AM about term life and had a real quote in my inbox before noon — about $26 a month for $300,000 on a 20-year term. No exam required. When my wife and I finalized the beneficiary forms, they walked us through the whole thing in one appointment. Genuinely zero pressure.”
“We run a 22-person restaurant in Doral and our old broker disappeared after the first year. Biscayne Bay re-quoted our group health, added dental and group life, and actually shows up for open enrollment each October. Our staff retention improved because new hires get benefits in 30 days.”
Nothing. Our consultations, quotes, subsidy calculations and annual policy reviews are 100% free, and there is no obligation to buy. Insurance carriers pay our commission directly — the exact same plan costs the same with or without an agent. You simply get expert help at no additional cost.
During ACA Open Enrollment (November 1 – January 15) we can usually submit a Marketplace application the same day, and coverage typically starts the first of the following month. Medicare Advantage and Part D enrollments during Annual Enrollment (October 15 – December 7) take about 30 minutes. If you have a qualifying life event, we can enroll you year-round.
Both, plus much more. We write term life, whole life, indexed universal life, final expense and guaranteed issue policies, Medicare Advantage and Medigap, Part D drug plans, ACA Marketplace plans, Florida KidCare, small group employee benefits, disability income insurance and fixed indexed annuities. One agency, one relationship, every stage of life.
Yes — and most of our Miami-Dade clients do qualify. We calculate your premium tax credit using household size and estimated 2026 income, then compare on-exchange Bronze, Silver and Gold plans side by side. Many households end up paying under $50 per month after subsidies, and some Silver plans include cost-sharing reductions that lower deductibles too.
ACA Marketplace plans are guaranteed-issue, so pre-existing conditions cannot be denied or surcharged. For life insurance, we run an informal inquiry first to see which carrier will treat your health history most favorably, and we offer Guaranteed Issue life policies for ages 50–85 with no health questions at all. For Medicare, we check every prescription against each plan’s formulary before recommending.
Sí — and Kreyòl tou. Our eight licensed agents and three support staff provide full service in English, Spanish and Haitian Creole. Documents, enrollment appointments and claims calls can all be handled in the language you are most comfortable with. We also host a free bilingual Medicare workshop at our Little Havana office on the first Wednesday of every month.
Insurance carriers pay us a commission when a policy is issued, and that commission is already built into the plan’s published rate. It does not increase your premium by a single dollar. Because we are independent and appointed with more than 18 carriers, we have no financial incentive to steer you toward one specific company.
Every quote request and client question receives a response within 24 hours — our actual average is under 2 business hours. During Medicare Annual Enrollment and ACA Open Enrollment we extend video appointments Monday through Thursday until 8:00 PM. Urgent claims questions are prioritized the same day they come in, and our phone line supports 24/7 messaging.
Absolutely. Claims advocacy is included with every policy we write. Our team calls the carrier, gathers medical records and paperwork, files the appeal, and follows up until it is resolved — for you and, on life policies, for your beneficiaries. Most online-only agencies disappear after the sale; we do not.
Our primary service area is Miami-Dade County, including Little Havana, Hialeah, Coral Gables, Kendall, Doral, Brickell, Miami Beach, Aventura, Homestead, Cutler Bay, Palmetto Bay, Sweetwater and Westchester. We also serve Broward (Hollywood, Pembroke Pines, Miramar, Fort Lauderdale) and Monroe County for health and Medicare. Life insurance is licensed statewide across Florida.
We check your physicians and hospitals against each carrier’s provider directory before you enroll — including whether your preferred Miami hospital falls inside an HMO service area. HMO plans generally require in-network care within Miami-Dade, while PPO plans offer more flexibility when you travel. We always verify network status in writing at enrollment.
Yes, and the review is free even if you bought the policy elsewhere. We look at rate class, beneficiary designations, riders, term expiry dates and whether a newer carrier or plan year offers better value. It is common for us to find outdated beneficiary forms, lapsing term policies or Medigap rates that have increased by $40 or more per month. Request your free policy review here.
Open Enrollment windows close fast, and every month without coverage is a month of financial risk for your family. Talk to a licensed Miami agent today — free, no obligation, and available 24/7.