Health Insurance for Westchase Families, Freelancers and Small Businesses
Reviewed by Steve Turner, CLU, REBC · Florida License W333468 · NPN 18030539 · November 2026
Westchase is a planned community in northwest Hillsborough County, full of young families and two-career households. Many people here commute to Westshore or the airport; others run a business or freelance from home. Family health insurance gets complicated fast: two employers, kids, braces, and a budget. I help untangle it.
I’m Steve Turner, a licensed Florida health insurance agent and Registered Employee Benefits Consultant (REBC), based in North Dale Mabry, about 20 minutes away. I work with Westchase families via video, phone, or in my office.
2027 open enrollment dates
Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027. Choose a plan by December 15 for coverage that starts January 1. Enroll after that and coverage starts February 1. Source: HealthCare.gov
Spouse’s plan, your plan, or a family Marketplace plan?
When both parents have job offers with benefits, the cheapest-looking option isn’t always the cheapest. I compare:
- Total yearly cost: premiums plus the deductible and out-of-pocket maximum you’d realistically hit with kids.
- Whether the family qualifies for Marketplace help. Since 2023, family members can qualify for subsidies if the employer’s family premium is unaffordable, even when the employee-only premium is affordable.
- Pediatricians and children’s specialists. I check that your kids’ doctors are in network.
Coverage for kids
Children may qualify for Florida KidCare even when their parents don’t qualify for Medicaid, depending on household income. Kids’ dental is an essential health benefit on Marketplace plans, but adult orthodontics generally isn’t. If you’re getting braces, let’s talk before you choose a dental plan.
Freelancers and small employers
If you’re self-employed, a Marketplace plan with an accurate income estimate is usually the best place to start. If you have employees, I’ll compare a traditional small-group plan with a QSEHRA or ICHRA, which let you reimburse employees for their own individual plans on a set budget.
Westchase questions
We just had a baby. Can we change plans now? Yes. A birth or adoption opens a Special Enrollment Period, and Marketplace coverage for your baby can start on the date of birth. Report it within 60 days.
Should my kids be on my plan or my spouse’s? It depends on which plan’s family premium, deductible, and network work best for your kids. I’ll lay out the numbers side by side.
My business has four employees. Do I have to offer insurance? No. Businesses with fewer than 50 full-time-equivalent employees aren’t required to. But a group plan or a QSEHRA can help you hire and keep good people, and I’ll show you what each would cost.
Book a family coverage review
Call or text (813) 388-8373, seven days a week, 7 a.m.–8 p.m. Book a call
Related: Group health insurance · Dental insurance · Carrollwood · Lutz · All areas we serve
OUR CLIENT REVIEWS
CONTACT STEVE TURNER, LICENSED INSURANCE AGENT & BROKER
Questions? Call, text, or book a time below; I answer calls and emails 7 Days a week from 7:00 a.m. to 8:00 p.m., excluding posted holidays.
EMAIL ME: 24×7
OFFICE LOCATION
Address: 14502 N Dale Mabry Hwy, Suite 200, Tampa, FL 33618
Website: steveturnerinsurancespecialist.com
Email: [email protected]
Phone and Text: +1-813-388-8373
Business Hours:
Monday: 7:00 a.m. / 8:00 p.m.
Tuesday: 7:00 a.m. / 8:00 p.m.
Wednesday: 7:00 a.m. / 8:00 p.m.
Thursday: 7:00 a.m. / 8:00 p.m.
Friday: 7:00 a.m. / 8:00 p.m.
Saturday: 7:00 a.m. / 8:00 p.m.
Sunday: 7:00 a.m. / 8:00 p.m.
Steve Turner is a licensed insurance agent and is not connected with or endorsed by the United States Government or the Federal Medicare Program. The Medicare Annual Enrollment Period is October 15 to December 7.
MEDICARE DISCLAIMER – FLORIDA
We do not offer every plan available in your area. Currently we represent 7 organizations which offer 70 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Steve Turner
Steve Turner, CLU®, REBC® is licensed in AL, CO, FL, GA, NC, SC, TN, and TX · NPN 18030539 · Florida License W333468
Steve Turner is a licensed agent and broker and a long-standing member of the National Association of Benefits and Insurance Professionals NABIP®. Steve holds the Registered Employee Benefits Consultant® (REBC®) designation. Steve also holds the “Chartered Life Underwriter” designation (CLU®), a professional credential for individuals specializing in life insurance and estate planning, conferred by the American College of Financial Services. Since 2016 (over 10 years), Steve has helped individuals, families, Medicare beneficiaries, and small businesses find the right coverage to meet their needs. Steve has earned 180+ Google reviews from happy clients.
Steve Turner is a licensed agent appointed by Florida Blue in Florida.