German Gibbs Health Insurance
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Florida · Private Market & Marketplace

Health coverage that feels like it was actually chosen for you.

I'm German Gibbs, an independent Florida broker. No call centers, no scripts — just an honest conversation about what you need and what it costs, then options built around your answer.

Get My Personalized Quote Call (954) 710-6539
Private & Marketplaceplans compared side by side
1 conversationis usually all it takes
NPN 21618942licensed producer
About German

A broker who treats your coverage like it's his own family's.

German Gibbs, Florida health insurance broker
Based in Florida German Gibbs

I got into this business because I was tired of watching people get sold plans instead of helped into them. My approach is simple: Christ-centered service, built on integrity and honesty — I'll tell you when a cheaper plan is actually the better plan, even if it means a smaller commission for me.

I work across both the private market and the ACA Marketplace, so I'm not boxed into one carrier's playbook. That means more room to actually fit the plan to your life, your health needs, and your budget.

Outside of work, you'll usually find me with my three dogs, or down at the beach most weekends — which is probably why I answer the phone a little more relaxed than most people expect from an insurance call.

Christ-Centered Service
Integrity & Honesty
Private Market + Marketplace
NPN 21618942
How I Can Help

Coverage options, explained by a person — not a portal.

Every quote starts with your situation, not a generic form. Here's what that looks like in practice.

Marketplace

ACA Marketplace Plans

I'll check what subsidies and tax credits you qualify for, and walk you through the real difference between metal tiers — not just the price tag.

Private Market

Off-Exchange Private Plans

When a private carrier fits your situation better than a Marketplace plan, I'll say so — and shop those options directly for you.

Ongoing

A Broker Who Sticks Around

Life changes — jobs, family, income. I stay reachable after enrollment, so your coverage can change with you instead of against you.

Transparency

How I actually get paid — no surprises.

Most people never ask their broker this. Here it is anyway.

The short version

Carriers pay me. You don't.

Insurance carriers pay me a commission for helping you enroll and stay covered — it doesn't come out of your premium, and it doesn't change what you pay for the plan. Whether I help you or you go it alone, your price is the same.

That means my incentive is to keep you as a long-term client, not to push whatever pays the most today. A plan that fits you and stays with you is worth more to me than one quick sale.

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No cost to you. My services are free — you pay the same premium with or without me.
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No pressure. If a plan isn't right, I'll tell you — even if it means less commission for me.
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I stay after enrollment. Claims questions, renewals, life changes — I'm still your point of contact.
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Licensed & accountable. NPN 21618942, on record with the carriers I represent.
Client Feedback

What people say after working with me.

A few words from clients I've helped find coverage. More to come as I hear from folks.

Sample review
★★★★★

"German walked me through my Marketplace options without any pressure. He explained the subsidy piece clearly and helped me pick a plan that actually fit my budget."

Rachel M.Fort Lauderdale, FL
Sample review
★★★★★

"I switched from a private plan he found for our family, and he checked that our doctors stayed in-network before recommending anything. Genuinely felt looked after."

Daniel T.Cape Coral, FL
Sample review
★★★★★

"Still get a text from him every renewal season checking if anything's changed. Doesn't feel like a one-time sale — feels like he's actually in my corner."

Priya S.Naples, FL

Worked with German? Leave a review.

A quick word from you helps the next family find the right coverage too — it only takes a minute.

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Common Questions

Before you reach out, you might be wondering...

Marketplace plans are ACA-regulated and can come with income-based subsidies. Private plans sit outside the exchange and sometimes fit better if you don't qualify for a subsidy or want different network options. I'll compare both against your situation before recommending either.

Not if we check first. Before recommending anything, I confirm which plans keep your current doctors and prescriptions in-network — that's part of the conversation, not an afterthought.

Often, yes — even people who assume they make too much are sometimes surprised. I'll run the numbers with you directly rather than guessing.

Rough household income, who needs coverage, any current medications or doctors you want to keep, and your current plan info if you have one. Don't worry if you don't have all of it — we can work with what you've got.

Correct — carriers pay my commission, not you. Your premium is identical whether you enroll through me or directly.

Get Started

Tell me a bit about what you need.

Fill this out and I'll follow up personally with a quote built around your answers — no auto-generated spam, no hard sell.

Prefer to just talk it through?

(954) 710-6539Direct office line
german.g@firstfamilyinsurance.comEmail
NPN 21618942National Producer Number

Sent straight to German's inbox — no email app required. Your health information is shared only with German and used to find the right plan.