Individual Health Insurance
Comprehensive medical coverage for individuals and families not covered by an employer plan.
Florida · Licensed since 1996
Find health insurance that fits your needs.
Helping Florida individuals, families and businesses understand their health insurance options since 1996. Request a free quote and a licensed agent will personally review your information and follow up with recommendations.
Licensed since 1996
Second-generation agency
Independent guidance
What happens next
A real person reviews your request.
Tell us about your needs
A short qualification — coverage type, ZIP, age, and what matters most.
We review your information
Richard Williams or a licensed agent reviews it personally.
Receive personalized recommendations
Two or three options that fit — explained clearly, no pressure to enroll.
Start Your Quote Request
Or call 863-940-9062 · Mon–Fri, 9am–6pm ET
Since 1996
Licensed Florida insurance agent · 30+ years
2nd Gen
A second-generation family insurance agency
12+
Coverage options across health, supplemental, life, and group
No Pressure
Educational approach — no high-pressure sales
Coverage options
Compare coverage that fits your life.
Every major coverage type — explained in plain language. Learn more, then request a free quote when you're ready.
Marketplace Health Insurance
ACA-compliant coverage purchased through the federal marketplace, often with income-based subsidies.
Short Term Health Coverage
Temporary medical coverage for gaps between employer plans, life events, or waiting for open enrollment.
Supplemental Health Coverage
Extra coverage that helps pay out-of-pocket costs your primary health plan doesn't cover.
Dental Insurance
Preventive, basic, and major dental coverage to protect your teeth and your budget.
Vision Insurance
Coverage for eye exams, lenses, frames, and contact lenses.
Life Insurance
Term and permanent life coverage to protect the people who depend on your income.
Accident Coverage
Cash benefits paid when you have a covered accidental injury.
Critical Illness Coverage
A lump-sum benefit paid on diagnosis of a covered serious illness.
Hospital Indemnity Coverage
Daily cash benefits during covered hospital stays.
Cancer Coverage
Focused financial protection for a cancer diagnosis and treatment journey.
Group Health Insurance
Employer-sponsored coverage for small businesses and their employees.
How it works
Three simple steps.
This isn't an instant online quote. A licensed insurance professional personally reviews every request.
01
Tell us about your needs
Share your household, ZIP, coverage interests, and what matters most — takes about two minutes.
02
We'll review your information
Richard Williams or a licensed agent personally reviews your request — never a bot.
03
Receive personalized recommendations
Two or three coverage options that fit your situation, with the trade-offs explained clearly.
"Insurance decisions get made better when someone actually walks you through them."
— Richard Williams, licensed insurance agent since 1996
Why Richard Williams Agency
Independent, educational, and family-run.
- Licensed since 1996
- Second-generation insurance professional
- Independent guidance across many carriers
- Personalized recommendations
- Educational approach — no jargon
- No high-pressure sales
- Multiple coverage options
- Local Florida agency
Florida service area
Serving all Florida counties.
Based in Davenport, licensed across Florida. Consultations by phone, video, or in person.
Educational resources
Learn before you decide.
6 min read
How to Choose a Health Plan Without Getting Overwhelmed
Five plain-language questions that cut through the jargon and help you compare plans on what actually matters to your household.
Read article5 min read
Understanding Marketplace Subsidies (Without the Jargon)
Premium tax credits and cost-sharing reductions explained in plain English — plus how income changes affect what you owe.
Read article7 min read
Do You Actually Need Supplemental Coverage?
Accident, hospital indemnity, critical illness — what each does, when it makes sense, and when it's overkill.
Read articleCommon questions
Frequently asked questions.
Do you sell insurance online or provide instant quotes?
No — and that's intentional. Insurance decisions carry real consequences, so we guide you through a short consultation and help you choose the coverage that actually fits. Any final proposal comes after a real conversation with a licensed agent.
What happens during a consultation?
We start by understanding your household, current coverage, and what's changing. Then we walk through the options that fit — with plain-language explanations, honest trade-offs, and no pressure to decide on the spot.
How long does a consultation take?
Most first conversations run 20–30 minutes. Complex situations — small business group plans, or families with specific medical needs — sometimes take a second call.
Do I have to buy anything?
No. A consultation is educational. If we're not the right fit, we'll say so. If none of the options make sense, we'll tell you that too.
Request a quote
Ready for personalized options?
Share a few details about your needs and a licensed agent will personally review your request and follow up with recommendations — usually within one business day.