Gearheart Insurance& Associates
Call 239-674-3144
Licensed in 32 States Multiple Carriers Compared

Health Insurance Made Simple.

I'm a Fort Myers, Florida–based independent broker, and I help individuals, families, and business owners find coverage that actually fits their needs and their budget, at no cost to you.

See Our Services

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100%No-cost consultations
FLLicensed & local
MultiCarrier comparisons
1 DayTypical response time
Why Choose Us

The kind of help you can actually reach.

Text me, call me, email me, whatever's easiest. You'll hear back from a real person, not a call center.

01

There's no fee, ever

My commission comes from the insurance company after you enroll, so what you pay is identical whether you go through me or call the carrier yourself.

02

You see the whole menu

I'm not employed by any single carrier, so I pull quotes from several and put them side by side, you decide what actually fits.

03

Year-round support

From claims questions to plan changes, I'm here all year, not just during Open Enrollment.

Authorized to Represent

Backed by the carriers you trust.

As an independent broker, I'm authorized to represent a wide range of insurance carriers, so I can compare plans side-by-side and bring you the best options, not just one company's offering.

UnitedHealthcare Aetna Cigna Blue Cross Blue Shield Ambetter Oscar Health Molina Healthcare Pivot Health First Health CareSource & Many More UnitedHealthcare Aetna Cigna Blue Cross Blue Shield Ambetter Oscar Health Molina Healthcare Pivot Health First Health CareSource & Many More

Licensed in 32 states nationwide · Carrier availability varies by product and ZIP code.

100% Free · 30 Minutes · No Pressure

Book a free consultation.

Grab 30 minutes on my calendar and let's map out what actually makes sense for you, no scripts, no sales pitch.

Call 239-674-3144
Resources & Education

Understand your health insurance, no jargon required.

Marketplace vs. Private Insurance

A side-by-side look at how these two paths differ.

How to Choose a Deductible

Balancing monthly premium against out-of-pocket risk.

When Can I Enroll?

Open Enrollment, Special Enrollment, and qualifying life events.

Referral Program

I grow my business through referrals.

Every client I help started with someone like you taking a chance and sending a friend or family member my way. That trust means everything.

If you know someone who's lost coverage, started a new job, turned 26, is self-employed, or just needs help understanding their options, I'd be honored to help them the same way I helped you.

No pressure, ever

I'll reach out with the same care and honesty I gave you.

Thank you, genuinely

Referrals are the highest compliment I can receive.

Refer Someone

Fill this out and I'll reach out to your referral personally.

Thank you!

I'll reach out to your referral with care, and I'm grateful you trusted me with someone you know.

Frequently Asked Questions

Straight answers to common questions.

No, my help is completely free. I'm paid by the insurance carrier, not by you, so your price is the same whether you go through me or straight to the company.
Often, yes. Many life events (losing a job, moving, turning 26, divorce) qualify you for a Special Enrollment Period. Short-term and private plans may also be available year-round.
Marketplace (ACA) plans may qualify for government subsidies based on income. Private plans are purchased directly and can offer more flexibility. I'll help you compare both.
Absolutely, self-employed clients are one of the groups I help most often, including guidance on subsidies and deductible strategies.
Yes. I help small business owners compare group and individual coverage options for themselves and their employees.
Just click "Get a Free Quote" or schedule a call. We'll talk through your situation and I'll bring you real options within a day or two.
Get In Touch

Let's talk about your options.

Send me a message or give me a call and I'll get back to you personally, usually within a day. No commitment, just a real conversation.

Office Hours (Eastern Time)

Mon–Tue: 8:00 AM – 8:00 PM ET
Wed–Fri: 8:00 AM – 4:00 PM ET
Sat–Sun: By appointment

Serving clients from Fort Myers, Florida

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Send a Message

Tell me a bit about what you're looking for, and I'll follow up quickly.

Message sent!

Thanks for reaching out, I'll get back to you within one business day.

Free · No Obligation · Takes 2 Minutes

Let's find your plan.

Get a free quote comparison from a licensed independent agent who actually works for you, not the insurance company.

Call 239-674-3144
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