Health insurance broker · Tampa, FL
Independent choice.
Personalized savings.
Coverage, done right.
Cammarano Health Solutions is an independent brokerage helping individuals, families, the self‑employed, and business owners across 26 states find coverage that actually fits their lives and their budgets.
No cost, no pressure. You pay the same premium through us as going direct — and you get a licensed advisor who stays with you after enrollment.
- 26
- States licensed
- $0
- Cost for our help
- 1:1
- One advisor, start to renewal
- 5+
- Years helping clients
What we do
Coverage built around your life
Whether you're covering a household, working for yourself, or running a payroll, we shop the carriers we're appointed with and bring back the plan that protects what matters most.
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Individuals & families
ACA marketplace plans with your subsidy calculated for you, plus off‑exchange options when a subsidy doesn't apply — with dental and vision quoted alongside.
See individual options → -
Self‑employed & 1099
No employer plan to fall back on and income that moves month to month. We build around the networks you actually use and the premium you can actually carry in a slow quarter.
See private options → -
Small businesses
Fully insured, level‑funded, and ICHRA priced off your census — with the employer cost and the employee payroll deduction both spelled out before you decide.
See group options →
How it works
Three steps to better coverage
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Start with a quick call
Pick a time that works for you. We listen first: your doctors, your prescriptions, your budget, and what went wrong with the last plan.
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We compare your options
We run your household or census against every carrier we're appointed with, check each network and drug list, and walk you through the two or three that survive.
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Enroll with confidence
We handle the paperwork and stay your advisor all year — claim problems, ID cards, network changes, and re‑shopping before the next renewal.
About
Gerardo Cammarano
"Anyone can quote a premium. The work is finding out what the plan does the day you actually need it — and being the person who picks up when that day comes."
Cammarano Health Solutions is an independent brokerage, which means no carrier owns the recommendation. Gerardo holds licenses in 26 states and works with individuals, families, self‑employed professionals, and small business owners — the people who have to buy coverage themselves, without an HR department to hand them a packet.
When you work with this agency, you work directly with the broker. No call centers, no handoffs, no being passed to whoever is next in the queue.
What we stand for
- Independence
- Appointed with many carriers, owned by none. The recommendation is the best fit, not the best commission.
- Transparency
- Straight answers about what a plan covers, what it doesn't, and what it costs. Trade‑offs named up front, not discovered at the pharmacy counter.
- Advocacy
- After you enroll we stay in your corner — denied claims, network changes, renewals, and life events.
The person behind the agency
Meet Gerardo
You will not be handed off. The person who quotes your plan is the person who enrolls you, and the person who answers when something goes sideways with a claim.
Cammarano Health Solutions was founded by Gerardo Cammarano, who runs the agency himself. For more than five years he has helped individuals, families, and business owners secure affordable plans that provide real protection and peace of mind.
- Based in
- Tampa, FL
- Resident license
- FL G291752
- NPN
- 21778286
Life, Health & Variable Contracts agent — licensed in 26 states, each one verifiable against that state's public producer lookup.
Why a broker beats buying direct
A carrier's website can only sell you that carrier's plans.
| Carrier's own site | Exchange, on your own | With us | |
|---|---|---|---|
| Carriers you can compare | One | On‑exchange plans only | Every carrier we're appointed with, on and off exchange |
| Cost of the help | No help | Free, but generic | $0 — same premium either way |
| Checks your doctors & prescriptions | You do | You do | We do, before you enroll |
| Subsidy eligibility check | No | Yes | Yes — plus off‑exchange math when a subsidy doesn't apply |
| Who handles a claim problem | Carrier call center | You | Your advisor |
Where we can help
Licensed in 26 states and growing
See the full list and every state license number.
Credentials & security
- Licensed in 26 statesNPN #21778286 · verifiable with NAIC
- 256‑bit TLSForm data encrypted in transit
- No lead resaleYour information stays with us
Common questions
The three we get most
Does it cost more to use a broker?
Will you sell my information to other agents?
Can I get coverage outside open enrollment?
Ready to find coverage that actually fits?
It takes 30 seconds to pick a time that works for you.
Get a free quote
Step 1 of 4
- Basics
- Needs
- Contact
- Book
Coverage built around your life
Coverage, done right.
Whether you are covering a family, working for yourself, or running a team, we find the plan that protects what matters most. Here is how we help each kind of client.
01 · Individuals & families
Coverage for your household
Protecting what matters most. We find comprehensive coverage built around your family’s doctors, prescriptions, and budget — with dental and vision alongside it.
Instead of guessing your way through plan listings, you walk through your situation once and compare the real options side by side. If your household qualifies for a premium tax credit, you see that math too, not just the sticker price.
What we check on every family plan
- Your doctors and preferred hospitals are in network
- Your prescriptions are on the drug list, at a tier you can afford
- The premium and the deductible both fit the budget
- Dental and vision priced alongside the medical plan
Who this is for
- Families who need dependable coverage
- Couples comparing plans for the first time
- Anyone between jobs or losing employer coverage
02 · Self-employed & 1099
Health coverage that works for the way you work
You are building something. We make sure a hospital bill cannot take it down — with plans built for independent professionals.
When you leave a W-2 job you leave the group plan behind, and that is where most people overpay. We compare on-exchange, off-exchange, and private options against the way your income actually moves, and we say plainly what each one gives up.
Why independent professionals work with us
- Subsidy math done on variable 1099 income
- Off-exchange plans checked when a subsidy does not apply
- Networks that travel, not tied to one county
- One advisor who already knows your file at renewal
Who this is for
- Freelancers and contractors on 1099 income
- Realtors, agents, and commissioned professionals
- Owner-operators and small business founders
03 · Small businesses
Group benefits that help you keep great people
Benefits are one of the strongest signals you can send to the people you want to hire and keep. We make offering them simple.
Send a census and get real numbers: fully insured, level-funded, and ICHRA quoted side by side, with your cost and the employee payroll deduction both spelled out. We handle the comparison and the paperwork so you do not need an HR department.
How we help employers
- Fully insured, level-funded, and ICHRA compared
- Clear cost breakdowns — employer side and employee side
- Enrollment support for your team, handled by us
- Renewal re-shopped before it auto-renews
Who this is for
- Small business owners building a team
- Employers comparing their current group plan
- Companies offering benefits for the first time
Ready to find coverage that actually fits?
It takes 30 seconds to pick a time that works for you.
Three steps to better coverage
No jargon, no pressure, and no cost to work with us. Here is exactly what happens from your first call to the day your coverage starts.
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Step 1
Start with a quick call
Pick a time that works for you. We listen first: your doctors, your prescriptions, your budget, and what went wrong with the last plan. The first call is about understanding your situation, not selling you anything.
Have these handy for the call
- The doctors and hospitals you want to keep
- Any regular prescriptions, with dosages
- A rough monthly budget for coverage
- Who needs covering — just you, or the household
Free, and no obligation at any point.
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Step 2
We compare your options
We shop every carrier we are appointed with in your county — on and off exchange — and walk you through the ones that actually fit. You see the trade-offs side by side: premium, deductible, network, drug tiers, and what each plan really covers. Straight answers about cost, with no surprises later.
You see the same screen we do.
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Step 3
Enroll with confidence
We handle the paperwork, confirm the effective date, and stay your advisor all year — not just at enrollment. When you have a claim question, a renewal, or a life change, you call the same person who set you up. No call centers, no handoffs.
Same advisor in March as in November.
What it costs you
Nothing. Consultations are free, and you pay the same premium working with us as you would going directly to the carrier — agent compensation is already inside the state-filed rate. The guidance is included.
How long it takes
A first consultation is a free phone call. Most clients have their options compared and a plan selected within days, not weeks.
Ready to find coverage that actually fits?
It takes 30 seconds to pick a time that works for you.
An independent brokerage, built on straight answers
Coverage, done right.
Cammarano Health Solutions is run by Gerardo Cammarano out of Tampa, Florida. When you work with us, you work directly with the broker.
Our story
Gerardo Cammarano
"Anyone can quote a premium. The work is finding out what the plan does the day you actually need it — and being the person who picks up when that day comes."
Cammarano Health Solutions was founded by Gerardo Cammarano, who runs the agency himself. For more than five years he has helped individuals, families, and business owners secure affordable plans that provide real protection and peace of mind.
It is an independent brokerage, which means no carrier owns the recommendation. Gerardo works with individuals, families, self-employed professionals, and small business owners — the people who have to buy coverage themselves, without an HR department to hand them a packet.
He holds a Florida resident license as a Life, Health & Variable Contracts agent and non-resident licenses across 25 more states. Every one of them is published on the licenses page, with the certificate attached, so you can check the claim rather than take it on faith.
At a glance
- 5+ years helping individuals, families, and business owners
- Independent — appointed with many carriers, owned by none
- You work directly with the broker, start to renewal
- Licensed in 26 states · NPN 21778286
- Individual, family, self-employed, and small group
- Based in Tampa, FL — serving clients by phone nationwide
What we stand for
- Independence
- Appointed with many carriers, owned by none. The recommendation is the best fit, not the best commission.
- Transparency
- Straight answers about coverage, costs, and trade-offs. Named up front, not discovered at the pharmacy counter.
- Advocacy
- After you enroll we stay in your corner — denied claims, network changes, renewals, and life events.
The card
The person behind the business
Want the full picture? Here is the card, and every state license is on the licenses page.
Ready to find coverage that actually fits?
It takes 30 seconds to pick a time that works for you.
Licensed in 26 states and growing
Every state shown in gold is a state where Gerardo is licensed to help you enroll. Below the map you can open each state's license document. NPN 21778286.
Cammarano Health Solutions operates from Tampa, Florida. Mailing addresses are redacted on the certificates below; every license number is public and verifiable.
Where we can help
Licensed in 26 states and growing
Gerardo is a licensed health insurance broker in the gold states below. Gold means we can help you today.
Licensed Not yet licensed Maryland is licensed — too small to label on the map.
- National Producer Number
- 21778286
- Resident state
- Florida
- License G291752
- Lines of authority
- Life, Health & Variable Contracts
- Accident & Health or Sickness
Verify us
State licenses, on the record
Swipe through the states and click any one to view Gerardo's official insurance license document.
Ready to find coverage that actually fits?
It takes 30 seconds to pick a time that works for you.
Under 65 · Individual & family
Coverage when no employer is buying it for you.
Self‑employed, 1099, between jobs, aging off a parent's plan, or retired before Medicare. We quote on‑exchange and off‑exchange in the same pass, so you see the full picture — not just the half a single website can show.
See my rates →What we quote
- ACA marketplace plans (on‑exchange)
- Bronze through Gold, with premium tax credit and cost‑sharing reduction eligibility calculated from your projected household income. Guaranteed issue — no medical questions, no pre‑existing condition exclusions.
- Off‑exchange major medical
- Same ACA protections, sold directly by the carrier. Sometimes a broader network or a better drug list at a similar price — and worth checking whenever your income puts a subsidy out of reach.
- Private and supplemental options
- Short‑term medical, fixed‑indemnity, accident, critical illness, and hospital indemnity — where state law permits. These are not ACA major medical and don't have to cover pre‑existing conditions; we'll say plainly where each one falls short before you consider it.
- Dental, vision, and life
- Standalone or bundled, quoted alongside medical so you can see the real total.
Enrollment windows
| Window | When | Who |
|---|---|---|
| Open enrollment | Nov 1 – Jan 15 in most states | Anyone |
| Special enrollment | 60 days from the event | Job loss, move, marriage, birth, income change |
| Year‑round | Any time | Short‑term, dental, vision, accident (state permitting) |
State‑based exchanges set their own dates. Confirm the current window for your state before you rely on these.
2–50 employees
Benefits your team values, at a number you can actually sign.
Send a census, get real numbers. We quote fully insured, level‑funded, and ICHRA side by side, with the employer cost and the employee payroll deduction both spelled out.
Quote my group →Three structures, compared honestly
Fully insured
Carrier takes all the risk; you get a fixed monthly rate. Simplest to administer, easiest for employees to understand, least upside if your group stays healthy.
Best when: you want predictability and no claims exposure.
Level‑funded
You pay a level monthly amount; unused claims funding can come back at year end. Requires medical underwriting on the census and works best with a younger, healthier group.
Best when: your group underwrites well and you want the surplus back.
ICHRA
You set a tax‑free monthly allowance; employees buy their own individual plan. Your cost is fixed by design and employees keep their plan if they leave. More employee education required up front.
Best when: your team is spread across states or your budget is the fixed constraint.
What we need to quote you
- 01Census. For each eligible employee: date of birth, home ZIP, gender, and whether they'd cover a spouse or children.
- 02Current plan, if any. Summary of benefits and current rates — this is what we have to beat.
- 03Your contribution intent. What percentage of the employee‑only premium you plan to cover. Most carriers require at least 50%.
- 04Target effective date. Group plans usually start on the first of a month; allow 3–4 weeks.
No employee health information is needed to start. If a level‑funded quote turns out to be worth pursuing, underwriting happens later — with the carrier, not with us.
Common questions, straight answers
Everything people usually ask before booking a call. If your question is not here, call or book a free consultation and ask directly.
How much does a consultation cost?
Do I pay more by using a broker?
What if I missed open enrollment?
When is open enrollment?
Can you help if I am self-employed?
What carriers do you work with?
What do I need to get a quote?
Do you only work with clients in Florida?
Will you sell my information to other agents?
Do you offer dental and vision?
What happens after I enroll?
Do you handle Medicare?
Ready to find coverage that actually fits?
It takes 30 seconds to pick a time that works for you.
Talk to a real person
Call, text, email, or pick a time on the calendar. Either way you reach Gerardo directly, never a call center.
Reach us
Get in touch
Gerardo Cammarano
Founder & Licensed Broker · NPN 21778286
- Call
- (603) 401‑9695
- Text
- (603) 401‑9695
- Based in
- Tampa, Florida — serving clients by phone across 26 states
- Hours
- Mon–Fri 8:00 AM – 8:00 PM ET · Sat & Sun by appointment
Book directly
A free phone call with Gerardo. No cost, no obligation. Pick any time that works for you.
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A free phone call with Gerardo. No cost, no obligation.
See every open slot on Gerardo's live calendar.
Opens in a new tab — pick a time and it's booked.
Open the CalendarReady to find coverage that actually fits?
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