Helping you navigate the difficult world of insurance
Independent Health Insurance Brokers Serving Georgia & Florida
Hughes Mitchell Insurance Services help individuals, Medicare recipients, and business owners find the right coverage — across every A-rated carrier available in your state, with no pressure and no handoffs.
Woman-owned independent brokerage — licensed in Florida and Georgia since 2014
25+ Years
25+ years of experience in health and Medicare insurance
Statewide
Serving clients statewide — Venice, FL | Sarasota County | Atlanta, GA | Lake Oconee, GA
Award-Winning
Nextdoor Neighborhood Fave | Lake Oconee Insurance Company of the Year
Health Insurance Should Not Feel Like a Guessing Game
Most people come to us after spending hours on a carrier website or government marketplace, still unsure whether the plan they are looking at covers their doctors, fills their prescriptions, or fits their actual budget. That uncertainty is not a personal failure — it is a design flaw in how health insurance is typically sold.
We do not sell. We consult. Before we recommend anything, we review your prescriptions, your preferred providers, and your financial picture. Then we compare available options across our carrier portfolio and tell you plainly what fits and what does not — including when a plan you are asking about falls outside what we can quote directly and where to access it.
One conversation replaces hours of research. And you have a real person on the other end of the phone when questions come up later.
Find the Coverage That Fits Your Situation
Individual and Family Health Insurance
ACA Marketplace plans, short-term medical coverage, dental and vision, and travel medical insurance — for individuals, families, and the self-employed across Florida and Georgia.
Medicare Coverage
Medicare Supplement and standalone Part D prescription drug plans, followed by Medicare Advantage — with enrollment guidance for anyone approaching 65 or reviewing their current coverage.
Business and Group Benefits
Small group health insurance, employee benefits, association health plans, and supplemental coverage for business owners and their teams in Florida and Georgia.
Why Clients Choose an Independent Broker Over a Carrier or Marketplace
When you go directly to a carrier website or call a 1-800 marketplace line, you are talking to someone whose job is to sell you that company's plan. An independent broker works differently.
We hold appointments with multiple A-rated carriers in both states, which means we have no financial reason to steer you toward any one company. Our only interest is in finding the plan that holds up when you actually need it — at the doctor's office, at the pharmacy, and at claim time.
Most of our new clients come from referrals. That is not a marketing angle. It is what happens when coverage performs the way it was described and someone picks up the phone when you call.
Quick Answers, Honest Advice
Questions We Hear Before the First Conversation
Do I pay more to use a broker instead of going directly to a carrier?
No. Independent brokers are compensated by the carrier, not the client. You pay the same premium whether you enroll through us or directly — and you gain ongoing support that a carrier's enrollment line does not provide.
Who can help me pick a health insurance plan in Florida or Georgia?
Hughes Mitchell Insurance is licensed in both states and works with individuals, families, Medicare recipients, and small business owners. Jenny serves Florida clients; Grace serves Georgia clients. Both are reachable directly by phone and email.
What is the difference between an independent broker and a captive agent?
A captive agent represents one carrier. An independent broker holds contracts with multiple carriers and can compare plans across the full market. Hughes Mitchell works with the leading A-rated carriers in Florida and Georgia and recommends based on fit, not on which company pays the highest commission.
Can you help me if I am not sure which type of coverage I need?
That is exactly what the first conversation is for. We ask about your doctors, your prescriptions, your budget, and your situation — then we tell you which coverage category makes sense and which specific plans are worth considering.
What is the best health insurance agent for Medicare and ACA in Georgia or Florida?
We will let our clients answer that. Hughes Mitchell Insurance has been recognized as a Nextdoor Neighborhood Fave and named Insurance Company of the Year at Lake Oconee with more than 100 ACA enrollments. Most of our business comes from clients who referred a family member or neighbor after their own experience.
INSURANCE PROVIDERES
Ready to Stop Researching and Start Knowing?
You do not need to become a health insurance expert. You need someone who already is one and will use that knowledge on your behalf. That is what we do — for individuals, families, Medicare recipients, and business owners across Florida and Georgia.
