Home › Where We Help

Where we help

Affordable Healthcare Across Florida

We help households in every corner of the state by phone and video. Find your region's guide below.

See my optionsCall (727) 761-1715
  • Free, no obligation
  • Not an insurance agency
  • Honest about the limits
Healthcare AssessmentStep 1 of 6
Who needs care?

Answer 6 quick questions to see what Direct Primary Care plus health sharing could cost your household.

Statewide, by phone and video

Florida is long, and people move around it: for work, for the season, and when a hurricane sends them inland. That's one reason the alternatives suit many Floridians: a virtual primary care membership works the same in Pensacola as in Miami, and health sharing doesn't use a provider network, so you can use the hospital that's closest to you, even in Georgia, Alabama or a summer home up north.

We don't have an office in Florida, and we won't pretend to. We're a small team that works with families by phone and video. Each regional guide lists its cities, the main hospitals, what's different about that part of the state, and who the alternatives fit there.

Don't see your town? We help anywhere in Florida. Tell us where you are or call (727) 761-1715.

TampaSt. PetersburgClearwaterLakelandOrlandoKissimmeeThe VillagesOcalaMiamiFort LauderdaleBoca RatonWest Palm BeachSarasotaFort MyersNaplesJacksonvilleSt. AugustineGainesvillePensacolaDestinPanama CityTallahasseeDaytona BeachMelbournePort St. Lucie

Outline simplified. Tap a region's city to open its guide.

Seven regions

Tampa Bay

Tampa, St. Petersburg, Clearwater, Brandon, Largo, Palm Harbor and Lakeland. Big hospital systems on both sides of the bay, and a lot of people who work for themselves.

  • Tampa
  • St. Petersburg
  • Clearwater and Largo
  • Palm Harbor and Dunedin
  • Brandon and Riverview
  • Wesley Chapel and New Port Richey
  • Lakeland

Tampa Bay guide →

Central Florida

Orlando, Kissimmee, Sanford, Clermont, The Villages and Ocala. Theme parks, hotels and restaurants, fast-growing suburbs and a large retirement community.

  • Orlando
  • Kissimmee
  • Sanford and Lake Mary
  • Clermont
  • The Villages
  • Ocala

Central Florida guide →

South Florida

Miami, Hialeah, Homestead, Fort Lauderdale, Hollywood, Pembroke Pines, Boca Raton and West Palm Beach. The center of Florida's Marketplace, and where the subsidy cliff hit hardest.

  • Miami
  • Hialeah and Homestead
  • Fort Lauderdale
  • Hollywood and Pembroke Pines
  • Weston
  • Boca Raton
  • West Palm Beach

South Florida guide →

Southwest Florida

Bradenton, Sarasota, Venice, Port Charlotte, Fort Myers, Cape Coral and Naples. Gulf beaches, a lot of early retirees, and the busy months when the snowbirds arrive.

  • Bradenton
  • Sarasota
  • Venice and North Port
  • Port Charlotte and Punta Gorda
  • Fort Myers
  • Cape Coral
  • Naples

Southwest Florida guide →

Northeast Florida

Jacksonville, the Beaches, Orange Park, St. Augustine, Fernandina Beach and Gainesville. Navy towns, the Mayo Clinic, a big university hospital, and a lot of small businesses.

  • Jacksonville
  • Jacksonville Beaches
  • Orange Park
  • St. Augustine
  • Fernandina Beach
  • Gainesville

Northeast Florida guide →

North Florida & the Panhandle

Pensacola, Fort Walton Beach, Destin, Panama City and Tallahassee. Military bases, beach towns, the state capital, and long drives between them.

  • Pensacola
  • Fort Walton Beach and Destin
  • Panama City
  • Tallahassee
  • Small towns of the Big Bend

North Florida & the Panhandle guide →

Space Coast & Treasure Coast

Daytona Beach, Titusville, Melbourne, Palm Bay, Vero Beach, Port St. Lucie and Stuart. Aerospace contractors, beach towns and some of Florida's fastest-growing cities.

  • Daytona Beach
  • Titusville
  • Melbourne and Palm Bay
  • Vero Beach
  • Port St. Lucie
  • Stuart

Space Coast & Treasure Coast guide →

Want to see what this would cost your household?

Tell us who needs care and what you pay now. We'll walk you through the options, including when insurance is the better fit.

Get my optionsCall (727) 761-1715

Free, no obligation. Florida households only.

Health care sharing
Health care sharing ministries are not insurance and are not regulated as insurance. Sharing of medical expenses is voluntary and not guaranteed. Review each organization's guidelines for details, limitations, and state-specific notices.

Florida notice (§ 624.1265(3), Florida Statutes)
Florida law requires health care sharing organizations to give this notice with their applications and guidelines: “Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its plan of operation is an insurance policy. Membership is not offered through an insurance company, and the organization is not subject to the regulatory requirements or consumer protections of the Florida Insurance Code. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant is compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.” Health care sharing is not Minimum Essential Coverage.

Direct primary care
Direct primary care is a membership with a primary care practice. Under Florida's direct health care agreement law (§ 624.27, Florida Statutes), these agreements are not health insurance and are not subject to the Florida Insurance Code. A DPC membership does not pay for specialists, hospital care or emergencies, and it is not Minimum Essential Coverage.

Discount plans
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. Florida disclosure (§ 636.212, Florida Statutes): The plan is not insurance. The plan provides discounts at certain health care providers for medical services. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. Discount plan organization: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. Discount plans are not ACA Qualified Health Plans.

How we're paid
We may receive compensation from some organizations we recommend. This does not change our evaluation of how they work. See our Referral Marketing Disclosure.

Not advice
This page is general information, not medical, legal, tax or financial advice. Prices are examples, not quotes; they depend on your household and can change. Affordable Healthcare Florida is not an insurance agency and does not sell insurance. We help individuals and families explore alternatives to insurance, including direct primary care, health care sharing and discount plans.