Sometimes people think health insurance is expensive, but after they talk with us, they realize it’s more affordable than they expected. In fact, many people who contact us with wish they had reached out to us earlier than they did. Going without health insurance for so long can rack up a lot of expenses that take a while to pay off.

At Ruby Insurance Services, we will work with your budget and help you find a plan you feel is reasonable for you. Our biggest concern is making sure you and your family members have the best possible coverage you can afford.

If you’re in Tampa, Florida, and struggling to afford health insurance, there are several options and resources available to explore:

  1. Health Insurance Marketplace: Check out the federal Health Insurance Marketplace ( to see if you qualify for subsidies or tax credits based on your income. These can significantly lower the cost of health insurance.
  2. Medicaid: Florida’s Medicaid program provides health coverage to eligible low-income individuals and families. Qualification is based on income and other factors. You can apply for Medicaid through the Florida Department of Children and Families website or by visiting a local Department of Children and Families office.
  3. CHIP (Children’s Health Insurance Program): This program provides low-cost health coverage for children in families that earn too much to qualify for Medicaid but cannot afford private insurance. In Florida, CHIP is known as Florida KidCare.
  4. Community Health Centers: Tampa has community health centers that offer affordable or free healthcare services to individuals and families, regardless of insurance status. These centers often provide primary care, dental care, mental health services, and more on a sliding fee scale based on income.
  5. Hospital Financial Assistance Programs: Some hospitals in Tampa offer financial assistance programs for individuals who are uninsured or underinsured. These programs might help cover the costs of medical services.
  6. Local Assistance Programs: Non-profit organizations, community groups, or local government initiatives in Tampa might offer assistance or guidance in finding affordable healthcare options. They might have resources or information specific to your area.
  7. Catastrophic Coverage: Consider catastrophic health insurance plans that generally have lower premiums but higher deductibles. These plans are designed to protect against major medical emergencies.

To avoid mistakes, it’s essential to research thoroughly, understand one’s healthcare needs, compare plans, consult with insurance experts if needed, and ask questions to ensure clarity about the coverage being considered.

Don’t overpay for inferior insurance plans. Having the assistance of an experienced broker like me is crucial to make sure you only get what you need, but you’re also properly covered.

What makes me different is my years of knowledge as well as my philosophy. I genuinely care about my clients’ well-being, and doing the right thing matters to me. I’m also able to offer a customized approach for each person and business.

One of my most common sayings is: “You can’t get insurance after the unthinkable happens. You have to get covered beforehand.”

Give me a call at (847) 414-6621 if you have any questions.

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