Live Health Insurance Logo

Insurance Questions? Call Us Now!

+1-888-990-6699

St. Petersburg Health Insurance

You can find health coverage in St. Petersburg that’s affordable and comprehensive — our team of brokers are here to help. We’re passionate about putting customers, not companies, at the center of healthcare. That’s why our agents specialize in helping locals like you find affordable health insurance in St. Petersburg from Florida-based companies.

When you have the right health insurance coverage, you can truly invest in your well-being, from annual screenings to preventative services. Whether you want to purchase an individual policy or get coverage for your entire workforce, Live Health Insurance is ready to help with personalized quotes and health insurance consultations.

Why Health Insurance Is Essential for St. Petersburg Residents

Whether you’re a family settled down in St. Petersburg, retirees starting an exciting new chapter, or a seasonal employee, you deserve good health insurance. Having a comprehensive policy with an affordable premium and fair deductible allows you to be more engaged with your health — rather than simply doing the bare minimum to avoid costly bills.

Our team is here to help you find personalized coverage that suits your age, medical needs, budget, and lifestyle. From covering unique risks to medical equipment, you can turn to us to find policies that are genuinely made for your needs.

Get Your Quote In Minutes


    Select policy type

    For a tailored coverage plan please fill out all sections of this form.
    By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

      Select policy type
      By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

        Select one or more from coverage
        By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

        Benefits of Choosing Live Health Insurance in St. Petersburg

        We aren’t just a health insurance broker — we’re a dedicated team of experts that want you to get the coverage you deserve. Every day, Live Health Insurance helps over 1,500 happy clients receive the best policies for their needs, ranging from short-term coverage to Medicare Advantage plans, life insurance, and dental and vision coverage.

        Our local team of experts understand Florida’s health insurance marketplace. This allows us to negotiate the best terms and find the greatest deals for our clients.

        Furthermore, as independent agents, we put our clients’ health and satisfaction first. You’ll always have an advocate when you work with us.

        Your Health, Your Choice: Our Insurance Plans

        Better Rates

        Our brokers have the experience to help you find the best deal on your monthly premiums. Don’t assume that buying health insurance will be a massive drain on your finances. We can give you access to affordable plans that work well in your situation.

        Better People

        While many health insurance brokers pawn their clients off to automated helplines, we know that health insurance is tricky and that you need qualified, personalized help to get the best price. That’s where we come in.

        Better Coverage

        We can also help you find a competitive plan that offers you the best health network coverage in your area and access to essential add-ons like dental and vision insurance, which can save you a lot of money down the line.

        Get a Quote

        Better Health Insurance Plans at Lower Rates

        Whatever the case, Live Health works with you to find a plan that will give you peace of mind and not be a significant drain on your finances.

        Vision Insurance

        Health insurance is widely recognized as indispensable. However, a considerable number of people still need to decide about enrolling in vision insurance plans.
        Learn More

        Life Insurance

        Sometimes, life insurance can feel like the unsung hero of the insurance world. We all understand the need for health and auto insurance, but life insurance? That’s often seen as a nice-to-have.
        Learn More

        Health Insurance

        Stay protected with our health insurance plans, offering extensive coverage that ensures your health and well-being are never compromised.
        Learn More
        Beach

        Life Insurance

        Life insurance isn’t a one-size-fits-all kind of deal. There are different packages tailored for different needs, the two big players being Term Life Insurance and Whole Life Insurance.

        Learn More
        A little girl missing one tooth

        Dental Plans

        Be protected from unwanted (and pricey) surprises at your next visit to the dentist with comprehensive dental plans covering essential procedures and preventative care.

        Learn More

        Vision Plans

        Eye health is often neglected when signing up for insurance, and our vision care plans guarantee that your ocular health and vision treatment are covered.

        Learn More

        Types of Health Insurance in St. Petersburg, FL

        Finding the right health coverage in St. Petersburg can be challenging, especially when it seems like so many policies aren’t designed for individuals with chronic conditions or those who have low risks.

        That’s why working with us is so powerful — we help personalize your policy to make sure you’re rewarded for good lifestyle habits with lower rates. And if you happen to need more comprehensive care, we work with you and insurers to negotiate a policy that’s affordable, practical and effective.

        Individual and Family Health Insurance in St. Petersburg

        Individual coverage has one policyholder while family plans offer protection for you and your spouse and children up to age 26. There are various models available, including Health Maintenance Organizations (HMO) with their own network and Preferred Provider Plans (PPOs) that allow you to go out-of-network if you want to.

        Short-Term Health Insurance in St. Petersburg

        Our team knows that coverage can be tricky, and you may find yourself vulnerable during periods of unemployment, waiting for a new job’s benefits to start, or in between policies.

        With short-term health insurance, you can buy a policy for 60-90 days, ensuring that you never go without some form of coverage.

        Medicare Advantage Plans in St. Petersburg

        If you qualify for Medicare, you can get Medicare Advantage during the annual open enrollment period. This private form of Medicare offers extended coverage and the option to add on prescription drug coverage (Part D). For St. Petersburg retirees who want to age comfortably, Medicare Advantage plans are a smart choice that can protect your financial health.

        Small Business Health Insurance in St. Petersburg

        Business owners in St. Petersburg can protect their employees and productivity by investing in good health insurance coverage. For businesses with 50 or more full-time equivalent (FTE) employees, offering health insurance is a legal requirement.

        Smaller organizations often elect to offer coverage even when it isn’t mandatory to increase employee morale and retention. We can help you find policies that are bespoke to your budget and employees’ needs.

        Health Insurance for Seasonal Residents

        If you only call St. Petersburg home for part of the year, you still need good coverage. Let us help you find a Florida health insurance policy that suits your needs, budget, and lifestyle, whether you live in or out of the state.

        Health Insurance for All Your Needs

        One thing worth remembering about health insurance is that different people have different needs depending on the situation they find themselves in.

        For You

        If you’re young and in relatively good health (meaning you rarely see a doctor), you might find that a basic plan is all you need. If you have more chronic issues, we can also help you upgrade your coverage to ensure your healthcare costs remain relatively low.

        Your Family

        While government health care plans often cover children, you shouldn’t risk your well-being and health. A good family plan is a must-have for anyone with dependents.

        Your Business

        If you happen to run a small business, health insurance becomes even more critical, as employees need to be covered in the event of a workplace accident. These unanticipated disasters can burn through a company’s finances, and you must be protected. Offering a health plan for your employees also makes you a much more desirable employer, as it’s the perk potential hires must look for.

        Mask Group 11@2x
        Mask Group 10@2x

        Meet Our St. Petersburg Health Insurance Agents

        Our Live Health Brokers have over 100 years of experience between them and have written over 70,000 policies since 2007. Their expertise is well-known all over Florida, making them a name you can have faith in.

        Get Your Quote In Minutes


          Select policy type

          For a tailored coverage plan please fill out all sections of this form.
          By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

            Select policy type
            By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

              Select one or more from coverage
              By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

              How to Find the Best Health Insurance in St. Petersburg with Live Health Insurance

              We help you get the most affordable health insurance with a personalized approach. By partnering with us, you can:

              • Compare quotes from top-rated Florida health insurance companies.
              • Get personalized recommendations from a knowledgeable broker.
              • Look into bundling policies for life, dental or vision to save money.
              • Apply for discounts if you’re an active duty military member or veteran or have other qualifying factors.
              • Review your options annually rather than simply renewing; you might find a better deal since the marketplace is always evolving!

              Cost of Health Insurance in St. Petersburg with Live Health Insurance

               Florida is known for having higher health insurance rates than the rest of the country. This is why it’s important to work with a broker that can give you personalized policy recommendations within your budget. You can expect to pay anywhere from $300 to over $500 dollars a month for a comprehensive policy. A family of four typically spends $26,000 to over $30,000 a year for coverage.

              It’s important to note that your exact health insurance rates will vary depending on factors like your age and medical history.  One of the easiest ways to lower your health insurance premium is to lead an active, healthy lifestyle that eliminates risk factors that can increase premiums.

              Your broker will be happy to discuss all of your options with you in detail, and they can inform you on different strategies you can try to make coverage more affordable.

              How to Apply for Health Insurance in St. Petersburg with Live Health Insurance

              We offer a simple, easy health insurance enrollment process to make your application easy.

              1. Gather necessary documentation, such as your ID and proof of residence and employment.
              2. Consult with a broker to review your options and receive personalized recommendations.
              3. Complete the application process with your broker’s help every step of the way.

              Customer Testimonials

              • 5/5
                "I am incredibly grateful for the services provided by Brandon in finding health coverage. He went above and beyond to understand my specific needs and concerns, and his expertise helped me find the perfect health insurance plan. His dedication and personalized approach truly made a difference in my life."
                Brandon Martinez
                Agent
              • 5/5
                “Dylan was a pleasure to work with. He answered all my questions and found us a great insurance policy, saving us lots of money each month. You can tell he cares about his clients. I am very glad I found him to help us.”
                Dylan Brockman
                Agent
              • 5/5
                "Jesus was very knowledgeable and helpful when it came to the different options I had. He made the process easy and simple to understand"
                Jesus Burga
                Agent
              • 5/5
                "Working with Leo was a game-changer. he found a perfect plan, explained it all, and now I feel confident in my coverage. Best agent out there!" - Karen Lemus
                Leonardo Castillo
                Agent
              • 5/5
                "Patrick's expertise and personalized approach made finding a private health insurance plan for my family seamless and stress-free. I highly recommend his reliable and efficient assistance in securing private health insurance."
                Patrick McCann
                Agent
              • 5/5
                "It was a pleasure working with Ryan Faulkner, he is extremely knowledgeable and the consummate professional."
                Ryan Faulkner
                Agent

              St. Petersburg Insurance Facts

              St. Pete is one of the most excellent places to live in Florida, with sunshine nearly every day, making it a top destination for retirees.

              The most recent (2022) census states that over 261,000 people live in St Petersburg, Florida, making it the fifth most populated city in the State.

              The same census states that the median household income in St Petersburg is just over $70,000, with 11.9 percent of residents living under the federal poverty level.

              Despite a healthy median income and a relatively low poverty rate, 12.8% of the population under 65 is without any health insurance.

              St. Petersburg Health Insurance Plans That Fit Your Budget

              Typically, the types of plans you would get through the ACA marketplace would be divided into four metal tiers.

              Bronze

              The Bronze tier is the most basic health plan, with the lowest monthly premiums. This might be an excellent plan if you’re in good health with no dependents.

              Gold

              While Gold Plans are pricier than the first two levels, they are well worth the investment for people with chronic health issues, with excellent coverage and little out-of-pocket expenses.

              Silver

              As your family grows, a more balanced plan, such as those available at the silver level, becomes more critical, enabling cost-sharing reductions despite a higher monthly premium.

              Platinum

              This is the most expensive plan but offers the most comprehensive coverage, with a minimum need for out-of-pocket expenses.

              Frequently Asked Questions About Health Insurance in St. Petersburg with Live Health Insurance

              What types of health insurance plans are available in St. Petersburg?

              St. Petersburg residents can choose from common policy structures like Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Exclusive Provider Organizations (EPOs), Point of Service (POSs), and any Marketplace plan for their health insurance. The flexibility makes it easier for you to find coverage that suits your needs and budget.

              Are there specific health insurance options for retirees in St. Petersburg?

              Eligible seniors 65 and older can look into Medicare Advantage plans. These affordable private forms of Medicare allow you to supplement your coverage and expand your access to care.

              Can Live Health Insurance provide bilingual services for Spanish-speaking residents?

              Yes, we offer bilingual support to Spanish speakers throughout Florida.

               Does Live Health Insurance offer short-term plans for seasonal workers?

              We can help you find short-term health coverage in St. Petersburg if you come here for work. There are various types of plans that can last anywhere from one to three months.

              Why Live Health Insurance is the Best Choice for St. Petersburg Residents

              At Live Health Insurance, we offer comprehensive, diverse policies that fit your needs. Our experts are always here to help you find exactly what you deserve — reach out to one of our dedicated brokers to request your free Florida health insurance quotes!

              Get Your Quote In Minutes


                Select policy type

                For a tailored coverage plan please fill out all sections of this form.
                By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

                  Select policy type
                  By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

                    Select one or more from coverage
                    By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.
                    Scroll to Top