Honest health insurance advice — even when it costs me the sale.
I'm a Tampa health insurance broker for the self-employed, 1099 earners, and families. Free to you. The carriers pay me, not you. And I actually pick up the phone.
Point me at your situation.
I'll take it from there.
If you buy your own coverage, or need to, you're my person. No employer plan required.
Self-employed & contractors
Freelancers, gig workers, and 1099 earners who don't have a group plan and want real coverage without overpaying.
Families
Coverage that fits your budget and your doctors, with someone who explains the tradeoffs in plain English.
Small business owners
Options for you and a few employees without the cost and headache of a big-company benefits department.
Between jobs / COBRA
COBRA is often overpriced. I'll show you what private coverage actually costs before you commit.
Early retirees (under 65)
Bridge coverage to get you comfortably to Medicare. No gaps, no surprises.
Aging off a parent's plan
Turning 26? I'll help you land somewhere better than the default before your old plan drops you.
Three steps. Zero runaround.
Tell me your situation
A quick call or a 2-minute form. Your budget, your doctors, what matters to you.
I shop it honestly
I compare plans across the carriers I'm appointed with and lay out the real tradeoffs. No jargon, no upsell.
You enroll with confidence
You pick, I handle the paperwork, and I'm here all year, not just at signup.
You get me. Not a call center.
- ✓Straight talkPlain English, real tradeoffs, and no pressure. You'll understand exactly what you're buying.
- ✓Client-first, alwaysIf a plan I don't offer is better for you, I'll tell you. Even if it means I don't get paid.
- ✓Actually responsiveText or call and you'll hear back in minutes. No phone queue, no callback next week.
- ✓IndependentI work for you, not one insurance company. That's the whole point of a broker.
"If another option is better for you, even one I don't offer, I'll tell you. That's the job."
Confused? That's normal. Let's fix it.
Short, honest guides so you can make a smart call, whether you work with me or not.
Premium vs. deductible
HMO vs. PPO vs. EPO vs. POS
Private plan vs. the ACA marketplace
Rated 5.0 on Google.
"Working with Ryan was one of the easiest and most refreshing experiences I've had. A straight shooter — no fluff, no pressure, just real conversations and clear guidance. He talks to you like a person, not just a number. If you're looking for someone knowledgeable, trustworthy, and just easy to work with, Ryan's your guy."
"Thank you Ryan for getting me the plan I needed. He explained everything in detail on all my options and answered every question I had (was a million). Professional and knowledgeable. Not many people make me feel like an individual, not just a number. I'm super grateful and will recommend him over and over again."
"Ryan was a pleasure to work with. Very understanding and doesn't pressure. He explains options and plans clearly. I enjoyed speaking with him and recommend him for anyone trying to find new coverage."
"From start to finish, he made what is usually a confusing and frustrating process feel simple and stress-free. He took the time to understand my situation, explain all my options in plain English, and helped me find a plan that fit my needs and my budget. No pressure, no rushing — just genuine care. I wouldn't go to anyone else!"
"Quick! Easy! Informative! Ryan was able to get me the information I needed and walked me through the entire process with ease."
"Ryan was a tremendous help finding affordable health coverage. My wife and I were able to save over $400 a month. Highly recommend using his services."
I'm Ryan Caprio, your advocate in health insurance.
I started Caprio Health because buying your own coverage shouldn't feel like a trap. Too many people get pushed into the wrong plan by someone working on commission for one company. I'm independent, I'm licensed, and I answer my phone.
My whole approach is simple: tell you the truth, show you the real tradeoffs, and point you to the best fit for you, even when that's not the biggest payday for me. That's how you earn a client for life instead of a sale for today.
Questions people actually ask.
What does it cost to work with you?
Nothing. Insurance carriers pay brokers a commission that's already built into the plan price, so you pay the exact same premium whether you use me or sign up alone. You just get someone in your corner for free.
Are you tied to one insurance company?
No. I'm an independent broker, appointed with many carriers, so I can compare options and recommend what fits you, not what one company wants to sell.
What if I already have a plan?
Send it over and I'll give you an honest read. If your current plan is a good deal, I'll tell you to keep it. If I can do better, I'll show you exactly how.
Who do you work with?
Individuals, families, the self-employed and 1099 earners, small business owners, and folks under 65 buying their own coverage. If you don't get insurance through a big employer, I can almost certainly help.
What states are you licensed in?
19 states, based out of Tampa, FL. Not sure if yours is covered? Just ask. It's a one-second answer.
Let's see if we're a fit.
Tell me your situation and I'll send you honest options. Free, no pressure, usually same day.
Prefer to talk now? Call or text (904) 508-8352