Prime Health ConsultantsIndependent insurance agencyLicense information: Julio Fernandez, Licensed Agent — NPN 18786340Verify ↗
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Julio Fernandez, licensed health insurance advisor
Licensed in 30 States — Accepting New Clients

Florida Health Insurance, Made Simple.

Talk to a licensed Florida health insurance agent about coverage for you, your family, your 1099 work or your small business — in English or Spanish.

Call Julio: (305) 333-1434
Licensed in 30 States
2,200+ Clients Helped
6+ Years Experience

A clear next step

Request your personalized quote call

Your advisor conversation starts here. The short form stays focused so Julio’s credentials and your next step are both easy to see.

Request Your Quote Call

Complete this short request. Julio or a licensed Prime Health advisor will contact you to schedule a personalized quote conversation.

Coverage
Details
Contact
Who needs coverage? *
What best describes your situation? *
The plans we offer are private health insurance plans—not government ACA marketplace plans. Coverage varies by plan and state. Your licensed advisor will explain the available options before you enroll.

Health insurance help for your situation in Florida

Individual health insurance in Florida

Compare private health insurance options for yourself with a licensed agent who explains your options in plain language.

Request a quote call

Family health insurance

Coverage questions for your household? Bring your doctors, prescriptions and budget — an advisor walks you through your options.

Family health insurance guide

Employer-sponsored plans for small businesses

Health benefits for your small team. A licensed advisor explains employer-sponsored options and next steps.

Small business health insurance

See where an advisor would start

Question 1 of 3

Who needs coverage?

Why Work With
Prime Health Consultants?

Licensed guidance for individuals, families, self-employed workers, and small businesses seeking a clearer coverage conversation.

Licensed in 30 States

Fully licensed, regulated, and certified to serve clients across 30 states. Verify our credentials anytime through the NAIC licensing database.

Coverage Questions, Explained

Discuss provider access, dental, vision, and supplemental coverage questions with a licensed advisor before making a decision.

Budget Questions

Bring your budget questions to a licensed advisor and ask for a clear explanation of the costs you want to compare.

Provider Access Questions

Ask a licensed advisor about provider access and network questions. Details depend on the specific plan and state.

Dedicated Licensed Advisors

Real licensed agents — not call center scripts — who understand the self-employed, 1099, and small business insurance landscape.

Practical Next Steps

Get clear on the information to gather, the questions to ask, and the next step that makes sense for your situation.

Start With the Questions
That Matter to You

Health coverage decisions are personal. A focused conversation helps you prepare the right questions before you compare any specific option.

A useful coverage conversation starts with:

Who needs coverage and what timing matters for your household or business.
Doctors, hospitals, prescriptions, or care preferences that you want to ask about.
Your monthly budget and the out-of-pocket costs you want explained clearly.
How provider access, eligibility, plan documents, and enrollment steps may affect your decision.
Whether individual, family, self-employed, or small-business questions should guide the conversation.

What to know before making a decision

Availability, eligibility, costs, benefits, and provider networks vary by plan and state.
Requesting a quote or consultation does not enroll you in coverage.
Review the specific plan documents and ask questions before making an enrollment decision.
For Business Owners

Run a Business? Your Team Deserves Better Benefits.

Get a focused review built around your company, employees, providers, budget priorities, and timeline. A licensed advisor will help you compare the available approaches and explain the tradeoffs before you choose.

Compare Benefit Costs

Review available costs, networks, and plan structures before deciding.

Small & Owner-Led Teams

Guidance for small teams, startups, LLCs, and growing companies.

Business-Aware Guidance

Understand contribution choices, eligibility, and enrollment steps.

Meet Your Licensed Health Advisors

Real licensed professionals — not a call center. Hover any card to see their specialties and connect directly.

FOUNDER & SENIOR ADVISOR
Julio Fernandez

Julio Fernandez

Senior Licensed Advisor

Tap to learn more →

Self-Employed PlansSmall BusinessFamily Coverage

Julio Fernandez

Senior Licensed Advisor

Founder of Prime Health Consultants. Specializes in private health insurance for self-employed individuals, families, and small businesses across 30 states.

Specialties
Self-Employed PlansSmall BusinessFamily Coverage
English, Spanish
6+ Years
Call — (305) 333-1434
Raquel Gray

Raquel Gray

Licensed Health Advisor

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Individual PlansFamily CoverageCoverage Questions

Raquel Gray

Licensed Health Advisor

Dedicated to helping individuals and families navigate their health coverage options with clarity, compassion, and expertise.

Specialties
Individual PlansFamily CoverageCoverage Questions
English
3+ Years
Choose a Call Time
Shaquille Harrison

Shaquille Harrison

Licensed Health Advisor

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1099 ContractorsPrivate PlansBudget Coverage

Shaquille Harrison

Licensed Health Advisor

Passionate about helping clients prepare clear questions about health coverage, lifestyle needs, and budget considerations.

Specialties
1099 ContractorsPrivate PlansBudget Coverage
English
2+ Years
Choose a Call Time
Matthew Grossman

Matthew Grossman

Licensed Health Advisor

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Small Business Owners1099 ContractorsCost Optimization

Matthew Grossman

Licensed Health Advisor

Specializes in helping small business owners and 1099 contractors organize their health coverage questions and next steps.

Specialties
Small Business Owners1099 ContractorsCost Optimization
English
3+ Years
Choose a Call Time
Juan Trejo

Juan Trejo

COO (Chief Of Operations)

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Bilingual ServiceFamily PlansAffordable Coverage

Juan Trejo

COO (Chief Of Operations)

Committed to providing bilingual service and helping Spanish-speaking clients access quality private health insurance plans.

Specialties
Bilingual ServiceFamily PlansAffordable Coverage
English, Spanish
2+ Years
Call — (305) 333-1434
Brian Connerton

Brian Connerton

Licensed Health Advisor

Tap to learn more →

Brian Connerton

Licensed Health Advisor

Licensed Health Advisor with Prime Health Consultants. Connect to schedule a coverage conversation.

Choose a Call Time

Clear Guidance Before You Make a Coverage Decision

A licensed advisor can help you organize the questions that matter: who needs coverage, your timing, the information you want to compare, and the next step that makes sense for your situation. There is no obligation to enroll when you request a conversation.

Licensed guidance

Talk through your questions with an advisor before choosing a direction.

Choose your timing

Book an individual, family, or business consultation at a time that works for you.

Direct contact

Prefer to speak now? Call (305) 333-1434 during available hours.

Prime Health Consultants – Protect your family with affordable private health insurance

Protect What Matters Most —
Your Family's Health

Start with a clear conversation about your health coverage questions. Licensed guidance is available for individuals, families, self-employed workers, and small businesses.

Or Call: (305) 333-1434
Licensed in 30 States
2,200+ Clients Helped
6+ Years Experience
Prime Health Consultants
Licensed Insurance Specialists

Independent insurance agency helping individuals, families, and small businesses find affordable private health coverage. Licensed in 30 states.

1550 Sawgrass Corporate Pkwy, 3rd Floor, Sunrise, FL 33323
Julio Fernandez, Licensed Agent — NPN 18786340  |  Verify License ↗
Legal & Compliance
Open 7 Days
Mon – Fri: 9:00 AM – 9:00 PM ET
Saturday: 9:00 AM – 8:00 PM ET
Sunday: 9:00 AM – 5:00 PM ET
Calls honored 8AM–9PM local time

LICENSING & REGISTRATION: Prime Health Consultants is an independent insurance agency. License information: Julio Fernandez, Licensed Agent — NPN 18786340. Licensed to sell health insurance products in Alabama, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming (30 states).

NOT A GOVERNMENT WEBSITE: Prime Health Consultants is NOT affiliated with, endorsed by, or connected to any federal or state government agency, HHS, CMS, HealthCare.gov, or any state-operated Health Insurance Marketplace. We are an independent insurance agency.

IMPORTANT NOTICE: Health insurance products offered on this website are private PPO plans offered directly by licensed insurance carriers. These plans are not ACA-qualified health plans, are not available on HealthCare.gov or any state or federal marketplace, and do not provide minimum essential coverage (MEC). Please review all plan documents carefully before enrolling.

ABOUT OUR PLANS: Prime Health Consultants is an independent insurance agency offering private health insurance plans. These are not part of the government Health Insurance Marketplace (ACA) and are not major-medical ACA plans. Plan availability, benefits, provider networks, deductibles, and eligibility vary by product and by state, and some plans may exclude pre-existing conditions or may not include all essential health benefits. We are not affiliated with any government agency. Any premium, savings, or coverage examples are illustrations only and are not guarantees; your actual plan, price, and coverage depend on your situation and the plan you choose. License information: Julio Fernandez, Licensed Agent — NPN 18786340.

© 2026 JCF Group LLC (Prime Health Consultants). All rights reserved.

JCF Group LLC — Independent Insurance Agency | 1550 Sawgrass Corporate Pkwy, Sunrise, FL 33323

LICENSING & REGISTRATION: Prime Health Consultants is an independent insurance agency. License information: Julio Fernandez, Licensed Agent — NPN 18786340. Licensed to sell health insurance products in Alabama, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming (30 states). License information and credentials can be verified through the National Association of Insurance Commissioners (NAIC) at sbs.naic.org.
NOT A GOVERNMENT WEBSITE: Prime Health Consultants is NOT affiliated with, endorsed by, or connected to any federal or state government agency, the U.S. Department of Health & Human Services (HHS), the Centers for Medicare & Medicaid Services (CMS), HealthCare.gov, or any state-operated Health Insurance Marketplace. We are an independent insurance agency. This website does not represent the federal government's Health Insurance Marketplace.
TCPA / COMMUNICATIONS CONSENT: By submitting a quote request form on this website, you provide your prior express written consent to Prime Health Consultants (NPN: 18786340) to contact you by telephone, text message (SMS), and email at the information you provided about health insurance options. Your consent is NOT a condition of purchasing any product or service. You may revoke consent at any time by: (1) replying STOP to any text message, (2) calling (305) 333-1434, or (3) emailing julio.fernandez@rjprimehealth.com. Under the FCC's April 11, 2025 Consent Revocation Rule, revocation requests will be honored within 10 business days. One confirmation text may be sent upon revocation. Marketing communications will only be sent between 8:00 AM and 9:00 PM in the recipient's local time zone as required by applicable law. All phone numbers are checked against the National Do-Not-Call (DNC) Registry. Consent records are retained for a minimum of five (5) years in compliance with the Telemarketing Sales Rule (TSR).
CAN-SPAM & EMAIL COMPLIANCE: All marketing emails sent by Prime Health Consultants comply with the Controlling the Assault of Non-Solicited Pornography And Marketing (CAN-SPAM) Act of 2003. Every marketing email includes: a clear identification of the sender, a functioning opt-out mechanism, our physical mailing address (1550 Sawgrass Corporate Pkwy, Sunrise, FL 33323), and an accurate subject line. To unsubscribe from email communications, click the "Unsubscribe" link in any email or contact us at julio.fernandez@rjprimehealth.com.
HIPAA NOTICE OF PRIVACY PRACTICES: Prime Health Consultants complies with the Health Insurance Portability and Accountability Act (HIPAA) of 1996. We collect only the minimum necessary personal information required to provide insurance quotes and services. We do not collect protected health information (PHI) such as diagnoses, medical records, or detailed health conditions through this website. Any information you provide is transmitted via 256-bit SSL/TLS encryption. We do not sell, rent, lease, or trade your personal information to third parties for their own marketing purposes. Information may be shared with licensed insurance carriers solely for the purpose of generating the requested insurance quote. We maintain a signed Business Associate Agreement (BAA) with all applicable vendors who process personal data. For our full Privacy Policy and HIPAA Notice, contact us at julio.fernandez@rjprimehealth.com.
PLAN AVAILABILITY & RATE DISCLAIMERS: Health insurance plan availability, benefits, networks, and rates vary by state, county, age, tobacco use, and household size. Not all plans are available in all states or counties. Premium rates displayed in advertising are estimated figures for illustrative purposes only and do not constitute a binding quote. Your actual rate will be determined by your specific profile and the insurance carrier's current underwriting guidelines. Plans described on this website are private PPO health plans offered directly by licensed insurance carriers and are not available on HealthCare.gov or any state or federal marketplace. These plans are not ACA-qualified health plans and do not provide minimum essential coverage (MEC). Coverage levels, benefits, networks, and regulatory protections differ from ACA marketplace plans. It is your responsibility to review the Summary of Benefits and Coverage (SBC) and Evidence of Coverage (EOC) documents before enrolling in any plan. Prime Health Consultants is compensated by insurance carriers through agent commissions. This compensation does not increase your premium.
FTC & ADVERTISING COMPLIANCE: All testimonials and client reviews displayed on this website reflect the genuine experiences of real clients. Individual results may vary. Savings claims are based on actual documented client comparisons and are not guaranteed for all individuals. Prime Health Consultants is not a tax advisor. All references to tax deductibility of health insurance premiums are general information only and do not constitute tax advice. Consult a qualified tax professional for advice specific to your situation.
PRIVACY POLICY SUMMARY: We collect: name, contact information (phone, email), address, date of birth, household income range, and insurance preferences — for the sole purpose of providing insurance quotes and services. We use industry-standard encryption and security practices. You have the right to access, correct, or delete your personal data by contacting us at julio.fernandez@rjprimehealth.com. We honor all requests within 30 days. California residents: additional rights apply under the California Consumer Privacy Act (CCPA). Read our full Privacy Policy.
ADA ACCESSIBILITY: Prime Health Consultants is committed to ensuring digital accessibility for people with disabilities. We continually work to improve the accessibility of our website in accordance with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If you experience difficulty accessing any content on this website, please contact us at julio.fernandez@rjprimehealth.com or call (305) 333-1434 and we will assist you.
© 2026 JCF Group LLC (Prime Health Consultants). All rights reserved.Privacy Policy|Terms & Conditions|Julio Fernandez, Licensed Agent — NPN 18786340|Verify LicenseAdvertising by R&J Prime Consultancy LLC