Your Health Insurance Advisor in Tampa, FL

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About Lance Baumgras

I'm Lance Baumgras, a licensed health insurance advisor based in Tampa, FL. As an independent broker, I'm licensed to shop ALL plans across multiple carriers — so I can find you the best coverage at the best price, not just what one company offers.

I specialize in commercial private medically underwritten PPO plans that give you access to top-tier PPO networks at a fraction of the cost of traditional marketplace plans. If you're healthy, why overpay? Medically underwritten plans reward good health with lower premiums, lower deductibles, and access to broad PPO networks — so you get better coverage for less money.

I also help with ACA Marketplace plans, Medicare coverage, dental & vision, and life insurance. Whether you're self-employed, between jobs, or simply looking for a smarter option, I offer free virtual consultations to walk you through every available option and find the best fit for your budget and needs.

Services I Offer

Private Medically Underwritten PPO Plans — Commercial health plans with broad PPO networks, lower premiums, and better coverage for healthy individuals and families
ACA Marketplace Plans (Obamacare) — Find the right plan during Open Enrollment or Special Enrollment Periods
Medicare Coverage — Help with Medicare Advantage, Medicare Supplement (Medigap), and Part D drug plans
Dental & Vision Insurance — Standalone plans for individuals and families
Life Insurance — Term and whole life options to protect your family
Short-Term Health Insurance — Temporary coverage for gaps between plans
Free Virtual Consultations — No-cost, no-pressure consultations from the comfort of your home

Get a Free Quote

Ready to find the right health insurance plan? I offer free, no-obligation consultations — no confusing jargon, no pressure.

Call or text: (352) 899-2783

Email: baumgraslance@gmail.com

Licensed in all 50 states — Serving clients nationwide

Schedule a Free Consultation

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