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Biscayne Bay Life & Health Insurance Group · Miami, FL

Best Health Insurance Agent for Self Employed Solutions in Miami

Independent, carrier-neutral guidance from a Miami agency founded in 2011. We compare ACA Marketplace, Medicare and life insurance plans from 18+ carriers, calculate every subsidy you qualify for, and handle the paperwork — at zero cost to you.

✔ Licensed & Insured (FL 2-15 & 2-40) ★ 5-Star Rated · 4.9/5 on 300+ Reviews 🏆 Serving Miami Since 2011
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📞 +1-540-352-6249

No fees, no obligation, no pressure — agents are paid by the carrier, never by you. Little Havana office: 2740 SW 8th Street, Suite 210.

Best health insurance agent for self employed solutions consulting with a Miami client at Biscayne Bay Life and Health Insurance Group
Carmen Delgado, Licensed Life & Health Agent, with a self-employed client at our Little Havana office.
Watch: how self-employed Miamians get affordable coverage in under 10 minutes.
2011 Licensed Since
2,000+ Families Served
4.9/5 Avg Google Rating (300+)
100% Free Consultations

Our founder, Carmen Delgado, has 23 years in the insurance industry and leads a team of 8 licensed agents plus 3 bilingual support staff. We are A+ accredited by the Better Business Bureau since 2015, AHIP Medicare-certified every year, and proud members of NABIP — so the person helping you enroll is credentialed, accountable, and local.

Insurance Types We Specialize In

Our Life and Health Insurance Agent Services in Miami

Whether you drive for a rideshare app, run a salon suite in Little Havana, freelance from Brickell, or own a 20-person restaurant in Hialeah, you fall into the coverage gap that employer benefits normally fill. Our job is to close it. Biscayne Bay Life & Health Insurance Group is an independent Miami insurance agency, which means we are not tied to one carrier — we quote ACA Marketplace health plans, Medicare Advantage and Medigap plans, term and whole life insurance, final expense coverage and small group benefits side by side, then recommend the option that actually fits your income and your doctors. If you have been searching for the best health insurance agent for self employed solutions, this is the page to bookmark: no fees, no obligation, and a free annual policy review for every client we enroll.

ACA Marketplace Health Plans for 1099 & Gig Workers

📞 +1-540-352-6249 Most clients pay under $50/month after subsidies

We quote Florida Blue, Ambetter, Oscar Health, Molina, Cigna and Simply Healthcare Marketplace plans, then calculate your exact premium tax credit based on your projected 1099 income. That paperwork is where most self-employed applicants lose money — we get it right the first time, verify your doctors are in network, and re-shop your plan every Open Enrollment so your subsidy never goes stale.

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Medicare Advantage, Medigap & Part D

📞 +1-540-352-6249 $0-premium Advantage plans available in Miami-Dade

Turning 65 and still working? We compare Medicare Advantage (Part C) plans from Humana, UnitedHealthcare, Aetna and Florida Blue against Medicare Supplement Plan G and standalone Part D drug plans. Plan G in Miami-Dade typically runs $115–$210 per month depending on age. We check every specialist and prescription before enrolling — never after.

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Term Life Insurance (10, 15, 20 & 30-Year)

📞 +1-540-352-6249 From ~$18/month · $50K–$2M coverage

Coverage amounts from $50,000 to $2,000,000 through Mutual of Omaha, Foresters Financial, Americo, John Hancock, Transamerica and Nationwide. A healthy 30-year-old can often secure $250,000 of 20-year term for roughly $18–$24 a month; a healthy 45-year-old can secure $500,000 for about $58–$75. No-exam underwriting is available with several carriers.

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Final Expense & Burial Insurance (Ages 45–85)

📞 +1-540-352-6249 Typically $32–$95/month

Coverage from $5,000 to $25,000 designed to cover funeral costs, outstanding medical bills and small debts so your family is never asked to crowdfund a service. Simplified-issue and guaranteed-issue options are available with no medical exam and no health questions for ages 50–85, with same-day approval on many applications.

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Small Group Employee Benefits (5–50 Employees)

📞 +1-540-352-6249 Built for Miami restaurants, salons & contractors

If you employ 5 to 50 people, group health coverage helps you keep good staff in a competitive Miami labor market. We structure medical, dental, vision and voluntary life benefits, walk you through employer contribution rules and Section 125 premium-only plans, and handle carrier paperwork and open enrollment meetings so your managers can stay focused on operations.

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IUL, Annuities & Disability Income

📞 +1-540-352-6249 Tax-deferred growth & income protection

Indexed Universal Life builds cash value with a death benefit attached. Fixed Indexed and Multi-Year Guaranteed Annuities (MYGA) convert savings into predictable retirement income. Disability income insurance replaces part of your income when a back injury or surgery keeps a self-employed contractor off the job — a gap that no employer short-term plan will cover for a 1099 worker.

Speak With an Agent
Watch: a 6-minute walkthrough of the six coverage types we place most often for Miami self-employed clients.
Why Miami Chooses Biscayne Bay

Why Life and Health Insurance Agent – Miami Is Miami's Top Choice for Self-Employed Families

Anyone can type a plan name into a website. What you cannot get from a website is a licensed agent who knows that Jackson Memorial, Baptist Health and University of Miami Health System networks behave differently, that a Miami-Dade subsidy calculation changes with every 1099 deposit, and that a denial from one life carrier often means a different carrier will approve you the same week. That local, hands-on knowledge is why more than 2,000 South Florida families have trusted our agency since 2011.

Local Expertise Since 2011

Fourteen years serving Miami-Dade means we know the carrier networks, the hospital systems, the ZIP-code-level rate differences and the Spanish-language enrollment quirks. Our Little Havana office at 2740 SW 8th Street and our Kendall office at 8900 SW 117th Avenue are both open to walk-ins by appointment.

Fast Response Times

Every quote request and client question gets a response within 24 hours — and our average callback time during Medicare Annual Enrollment is under 45 minutes. Urgent claim questions are answered by a live, licensed human, not a chatbot, with bilingual phone support in English, Spanish and Haitian Creole.

Transparent Pricing

Quotes are free, consultations are free, and the annual policy review is free. Agents are compensated by the insurance carrier, so your premium is the same whether you enroll through us or alone. If you find a lower rate for identical coverage, we will match it or explain in writing exactly why the difference exists.

Guaranteed Satisfaction & Claims Advocacy

No client is ever asked to commit during a first appointment — that is a written agency policy. When a claim or a denied authorization happens, our team calls the carrier, files the appeal and handles the paperwork on your behalf. We have done this for hundreds of Miami families, including beneficiary claims on policies sold years ago.

Licensed insurance agent in Miami reviewing life and health insurance options with a self-employed client at Biscayne Bay Insurance Group
Free, no-pressure consultations at our Little Havana and Kendall offices — or by video anywhere in Florida.

Education first. Recommendation second.

We teach you how Medicare enrollment periods, ACA subsidies and life insurance underwriting actually work before we suggest a single plan. Learn more about how we work on our about page, or read verified reviews on our services page.

✅ Independent Agent ✅ Multiple Carrier Options ✅ Free Policy Review ✅ Claims Support
Our Process

How Our Life and Health Insurance Agent Process Works

Four steps, no surprises, and a written summary of every option before you decide anything. Most health insurance enrollments are completed in a single 25-minute call; most life insurance policies are issued within 7 to 14 days.

1

Contact Us

Call +1-540-352-6249, submit the quote form, or stop by the Little Havana office. Tell us one thing: whether you need health coverage, life coverage, or both. We schedule your consultation the same day whenever possible — including evening video appointments Monday through Thursday until 8:00 PM during enrollment season.

2

Free Assessment

We listen first: your doctors, prescriptions, household size, projected 1099 income, and what you are paying today. Then we run quotes across our full carrier list — Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Ambetter, Molina, Oscar, Mutual of Omaha, Foresters and more — and show you the real numbers side by side.

3

Custom Solution

You get a plain-language comparison of two or three finalists, including the subsidy, deductible, copays and network. No client is ever asked to commit during the first appointment. Take the summary home, talk it over, and come back with questions — we expect it and we welcome it. See our full services page for what each plan type includes.

4

Enrollment & Ongoing Care

We complete the application with you, confirm the effective date, and store your policy details in your file. Then we stay: a free annual policy review, a reminder before every Open Enrollment and Medicare Annual Enrollment, and claims advocacy whenever a bill or denial shows up. That ongoing relationship is the difference between an insurance agent and an insurance website.

Watch: our four-step enrollment process explained from start to finish, including what documents to bring.
2026 Savings Snapshot

What Coverage Actually Costs in Miami This Year

Real starting rates from our carrier appointments, updated for the 2026 plan year. Your final premium depends on age, ZIP code, tobacco use and health history — these figures are the benchmarks we use to tell you whether a quote you have been offered elsewhere is competitive, or whether you are being overcharged.

$18–$24 Per month · $250K / 20-year term life, healthy age 30
$58–$75 Per month · $500K / 20-year term life, healthy age 45
$0 Per month · Many Medicare Advantage plans in Miami-Dade
$32–$95 Per month · Final expense coverage, ages 45–85
Self-employed and paying full price for a Marketplace plan? Most Miami-Dade households with 1099 income qualify for premium tax credits, and many end up under $50 per month after the subsidy is applied. Medicare Supplement Plan G in Miami-Dade typically runs $115–$210 per month by age. Every one of these numbers is checked for free during your consultation — call +1-540-352-6249 and we will run your personal quote in minutes.
Coverage Across South Florida

Serving Miami and Surrounding Communities

Our in-person service area covers the entire Miami-Dade County corridor, with satellite coverage into Broward and Monroe counties. Life insurance is licensed statewide across all of Florida, so a client in Tampa, Orlando, Jacksonville or Naples can complete everything by video and e-signature.

Miami33135 · 33130 · 33125
Little HavanaMain office · 33135
Hialeah33010 · 33012 · 33016
Coral Gables33134 · 33146
KendallSatellite office · 33186
Doral33122 · 33166 · 33178
Brickell & Downtown33131 · 33137
Little Haiti33127 · 33138
Miami Beach33139 · 33140 · 33141
Aventura33160 · 33180
Homestead33030 · 33033
Cutler Bay & Palmetto Bay33157 · 33158 · 33189
Sweetwater & Westchester33144 · 33174 · 33165
Hollywood & Pembroke PinesBroward County
Miramar & Fort LauderdaleBroward County
Key Largo & IslamoradaMonroe County

Don't see your neighborhood? We serve the entire South Florida region — if you are anywhere from Homestead to Fort Lauderdale, call +1-540-352-6249 and we will confirm coverage in your ZIP code within minutes. Prefer to stay home? Every consultation is available by phone or video in English, Spanish or Haitian Creole.

Verified Client Reviews

What Our Miami Clients Say

We hold a 4.9-star average across more than 300 reviews and have been A+ accredited by the Better Business Bureau since 2015. Here is what self-employed and small-business clients across Miami-Dade have shared recently.

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Interested in learning more? Submit the form below.

✔ Verified Client
★★★★★
"I own a salon suite in Little Havana and was paying $412 a month on a Marketplace plan I picked myself. Carmen recalculated my 1099 income properly, found an Ambetter plan and my new premium is $47 a month. She explained the deductible difference in Spanish, texted me back in 30 minutes, and dropped my deductible from $7,500 to $1,500."
Marisol R.
Salon Owner · Little Havana, Miami · March 12, 2026
✔ Verified Client
★★★★★
"Fourteen months with no health insurance because I was a 1099 rideshare driver and figured I couldn't afford it. The team ran my numbers, got me a Silver plan and I pay $47 a month with a subsidy. They even checked that my clinic in North Miami was in network before I signed. The whole call took 22 minutes."
Jean-Robert T.
Rideshare Driver (1099) · North Miami · February 27, 2026
✔ Verified Client
★★★★★
"My wife and I had our first baby in November and needed life insurance fast. We were quoted $58 a month total for two $500,000, 20-year term policies with no medical exam. Everything was approved and issued in 11 days, and they set up the beneficiary paperwork for our daughter's trust correctly. Genuinely thorough."
Daniela & Omar P.
New Parents · Kendall, Miami · January 19, 2026