Your advocate in health insurance.
I'm Ryan Caprio, an independent health insurance broker based in Tampa. I help the self-employed, 1099 earners, and families find coverage that fits, with honest advice and zero pressure. Free to you; the carriers pay me.

Buying your own coverage shouldn't feel like a trap.
If you've ever tried to buy health insurance on your own, you know the drill: a 1-800 number, a rep you'll never talk to again, and a plan that somehow costs more and covers less than you expected. Too many people get pushed into whatever pays the agent the most, not what's actually right for them.
I started Caprio Health to be the opposite of that. I'm independent, so I'm not tied to a single insurance company trying to hit a quota. I work with people who buy their own coverage: the self-employed, 1099 contractors, families, folks between jobs, and people bridging the gap to Medicare. My job is simple: tell you the truth and help you choose well.
That means plain English instead of jargon. Real tradeoffs instead of a sales pitch. And a straight answer even when it costs me the sale. If your current plan is already a good deal, or another option I don't offer is better for you, I'll say so. I'd rather earn a client for life than close a sale today.
And when you need me, I actually pick up. Text or call and you'll hear back in minutes, not next week. I'm here all year, not just at signup.
Tampa is home, not just a territory. I'm an active member of Partners in Network, a Tampa Bay business networking group, and most of my clients still arrive the old-fashioned way: someone I helped told someone they know.
How I work
Straight talk
Plain English, real tradeoffs, no pressure. You'll understand exactly what you're buying and why.
Client-first, always
If a plan I don't offer is better for you, I'll tell you, even when it means I don't get paid.
Actually responsive
Call or text and you'll hear back in minutes. No phone tree, no "we'll get back to you next week."
Truly independent
I'm appointed with many carriers and work for you, not for one insurance company's sales goals.
"If another option is better for you, even one I don't offer, I'll tell you. That's the job."
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.
Call or text (904) 508-8352