Florida Health Insurance Online sponsored by Richard E Smith, Licensed Florida Insurance Broker

Richard E Smith

I’m licensed and reside in the state of Florida, so I only work with Florida residents. If you’re located in South Florida, please feel free to make an appointment to see me at my office.

The worldwide pandemic has changed the way we sell insurance, I’ve moved all of my client interactions online with virtual meetings and consultations.

If you have an internet-connected device with a camera and microphone, I host secure, online meetings via Zoom video conferencing or Google Meet.

I understand how important your health care needs are. As a broker, I represent multiple exchange and short term health insurance  providers. I also work with America’s largest independent insurance agency. I don’t care who you go with, I just want you to have the best health care coverage at a price you can afford!

Office Locations

2354 Immokalee Rd, Naples, FL 34110
13791 Metropolis Ave, Fort Myers, FL 33912





How May I Assist You Today?

FREE Open Enrollment Virtual Consultation
IMPORTANT: 2022 Open Enrollment will be upon us soon!
If you don’t act by December 15, you can’t update or change your 2023 coverage unless you qualify for a Special Enrollment Period.

Book an Open Enrollment Virtual Consultation >>>

FREE SEP (Special Enrollment Period) Virtual Consultation

A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including:

    • losing health coverage
    • moving
    • getting married
    • having a baby
    • adopting a child

Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the event to enroll in a plan. If you miss your Special Enrollment Period window, you may have to wait until the next Open Enrollment Period to apply.

You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time of year, if you’re eligible, whether you qualify for a Special Enrollment Period or not.

Job-based plans must provide a Special Enrollment Period of at least 30 days.

Book a SEP Virtual Consultation>>>

FREE Short-Term Health Plan Virtual Consultation

BE ADVISED: If you buy a plan outside the Marketplace any time, during Open Enrollment or not, you can’t get premium tax credits or other savings based on your income.

We offer private, short-term health plans from various providers with terms from 3 months to 3 years. These plans are not considered minimum essential coverage. However, with supplemental insurance, they offer a significant financial advantage over COBRA plans!

Book a Short-Term Health Plan Virtual Consultation >>>

FREE Health Coverage Mitigation Virtual Consultation

If you live in Florida, you know how really expensive health insurance can be. Even with tax subsidies, you’re still responsible for $1000s in deductibles before the plan will pay for anything.
Because of the expense, many are simply going without coverage. But that makes you and your family vulnerable to a major financial catastrophe should an accident or major illness arise.
Health Coverage Mitigation puts you in control. We use short-term health plans, supplemental insurance, and discount health/RX programs to provide custom, affordable solutions for our clients.
There are no special periods, deadlines or any other hoops to jump through – you may contact us at anytime!

Book a Health Coverage Mitigation Consultation >>>


CMS – Centers for Medicare and Medicaid Services

Apply for Florida Medicaid

Florida residents who subscribe to Medicare, please visit:


Please complete the form below in full to book your virtual consultation. Once you have completed the form, you’ll be taken to our calendar to make your appointment time. Appointments are scheduled for 45 minutes but seldom go beyond 30 minutes as we do all of the preliminaries prior to our meeting. We give you the best options to fit your health needs and your budget. You’ll simply have to pick and choose to customize your healthcare plan.

Or call 239-596-8449

This website provides information for the reader to choose to request more information about life insurance, insurance for small business, health insurance, Medicare, and supplemental insurance including how to request a quote. By requesting a quote, you agree to our Privacy Policy and our Terms & Conditions. If you submit your personal information, you are making a consumer inquiry for life insurance, insurance for small business, health insurance, Medicare, and supplemental insurance through me as a licensed insurance producer as more fully described below. By proceeding, you give your consent and expectation to be contacted by Richard E Smith and/or associates. Any health or personal information shared is protected by applicable privacy laws and regulations, including HIPAA.

Invitations on richardesmith.com for application for insurance are made through Richard E Smith an independent agent/producer. Richard E Smith is a licensed insurance producer in Florida (License# W568154).

Commercial use by others is prohibited by law. No portion of richardesmith.com may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization from the owner.

Insurance policies described, quoted, shown, and illustrated throughout this website are not an offer for the sale of any particular insurance policy or product, only an invitation for application for insurance coverage and may not be relied upon. There are many variables in different insurance coverages and companies, including various insurance company standards and offerings, underwriting requirements and may not be available in all states.

We do not sell your personal information to anyone! You will not receive unsolicited, intrusive calls or emails from other agents and companies across the country. If you do provide your telephone number, Richard E Smith and/or his associates may call or text message/SMS you at the phone number(s) above, including your wireless number if provided. Normal charges may apply. This call may be generated using automated technology and if we're unable to reach you when we call, we may leave you a pre-recorded message, so you can call us back. Your consent to us calling is not required to get a quote or make a purchase and may be revoked at any time. You may simply call us at 239-596-8449. | Privacy Policy | Terms of Use