Health, Life & Medicare Insurance in Clearwater and Tampa Bay
Serving our local community with clear, personalized insurance guidance.
About Chris Carmichael
Licensed Independent Health Insurance Agent Through Lighthouse Health Advisors
Chris Carmichael is a licensed independent health insurance agent serving Clearwater, Pinellas County, and the greater Tampa Bay area. He specializes in helping individuals, families, and seniors navigate their coverage options with confidence.
Chris offers no-cost, one-on-one guidance with Medicare, health insurance, life insurance, and supplemental coverage—always focused on what works best for your needs, your peace of mind, and your financial situation, without the pressure.
Working through Lighthouse Health Advisors, Chris provides access to a wide network of top-rated insurance carriers—along with the personal support only a local advisor can deliver. No call centers. No sales pitch. Just honest, clear guidance to help you choose coverage that fits your life.
Health Insurance Plans
Marketplace (ACA) and Private Health Insurance Plans
Life Insurance Policies: Term Life, Whole Life, Final Expense
Medicare Advantage Plan, Medigap & Part D Prescription Plans
Affordable health insurance options for individuals and families in Florida, including marketplace plans with potential tax credits, private coverage alternatives, and trusted local enrollment support for quality care.
Medicare Advantage Plan, Medigap & Part D Prescription Plans
Life Insurance Policies: Term Life, Whole Life, Final Expense
Medicare Advantage Plan, Medigap & Part D Prescription Plans
Clear, expert insight to help you understand and select the right Medicare plan—whether it’s a bundled Medicare Advantage Plan, Medicare Supplement (Medigap), or standalone Medicare Part D Prescription Drug Plan.
Life Insurance Policies: Term Life, Whole Life, Final Expense
Life Insurance Policies: Term Life, Whole Life, Final Expense
Life Insurance Policies: Term Life, Whole Life, Final Expense
Options to help protect your family’s future with life insurance plans that fit your needs, your budget, and the stage of life you’re in—offering reliable financial protection and peace of mind across Florida.
Dental Insurance & Vision Insurance Plans
Comprehensive Supplemental Insurance Coverage
Life Insurance Policies: Term Life, Whole Life, Final Expense
Coverage for routine dental and vision care—essential for everyday health, prevention, and long-term wellness. Chris offers options designed to fit your needs and budget, including individual and family dental and vision insurance plans across the Tampa Bay area.
Comprehensive Supplemental Insurance Coverage
Comprehensive Supplemental Insurance Coverage
Comprehensive Supplemental Insurance Coverage
Supplemental insurance coverage can help with out-of-pocket costs your primary plan may not fully cover. Chris offers Hospital Indemnity, Critical Illness, and Accident Protection Plans to provide added peace of mind when the unexpected happens.
Medicare Plans Designed for Veterans
Comprehensive Supplemental Insurance Coverage
Comprehensive Supplemental Insurance Coverage
Get temporary health insurance coverage while you're between jobs, waiting for open enrollment, or in any other transitional period. Protect your health and your finances with flexible short-term insurance options tailored for Florida veterans and their families.
Marketplace (ACA) and Private Health Insurance Plans
Affordable Health Insurance Plans in Clearwater and Tampa Bay
Choosing health insurance can be overwhelming, especially if you're self-employed, between jobs, or no longer covered through an employer. Chris Carmichael helps individuals and families across Clearwater, Pinellas County, and the Tampa Bay area explore their full range of health insurance options—including Affordable Care Act (ACA) marketplace plans and private coverage alternatives.
He’ll help you understand how subsidies work, determine if you qualify for tax credits, and compare plan features so you can make the right choice for your needs and your budget. Whether you're enrolling for the first time or exploring better options during open enrollment, Chris provides clear, one-on-one support every step of the way.
Use this simple tool to compare ACA plans available in your area.
You can review options, check your eligibility for subsidies, and enroll—all in just a few minutes. Chris Carmichael is here if you need help along the way.
Book a time on Chris's calendar to talk health insurance plans.
Medicare Advantage, Medigap, and Medicare Part D
Medicare Insurance Plans for Tampa Bay Seniors
Understand Your Options: Medicare Advantage, Medigap, and Part D Prescription Drug Coverage
If you're approaching 65—or already enrolled in Medicare—it’s essential to know the differences between the plans available. Chris Carmichael helps seniors across Pinellas County and the greater Tampa Bay area navigate their Medicare choices, offering clear explanations and local insight into Medicare Advantage Plans, Medicare Supplement (Medigap) policies, and standalone Part D prescription drug plans.
Chris works with you to evaluate benefits, provider networks, costs, and how these plans fit with your healthcare needs. With no-pressure guidance and access to plans from Florida’s top carriers, Chris helps make Medicare simple, understandable, and personalized.
Life Insurance for Every Stage of Life
Life Insurance: Term Life, Whole Life, and Final Expense Policies
Life insurance isn’t one-size-fits-all—it should reflect your life stage, family needs, and financial goals. Chris Carmichael works with individuals and families throughout Clearwater and Tampa Bay to find life insurance coverage that provides meaningful protection.
Whether you're looking for affordable term life coverage, a permanent whole life policy, or final expense insurance to ease the financial burden on loved ones, Chris offers expert support and no-cost consultations. He’ll explain each option clearly so you can choose a plan that protects your family’s future with confidence.
Book a time on Chris's calendar to talk life insurance plans.
Dental & Vision Insurance Plans
Dental and Vision Coverage in Clearwater and Pinellas County
Dental and vision insurance are often overlooked—but they play a big role in your long-term health. Chris Carmichael helps clients across the Tampa Bay region find plans that cover essential preventative care, from regular dental cleanings and fillings to annual eye exams, glasses, and contacts.
Whether you’re looking for stand-alone coverage or want to bundle these benefits with your health plan, Chris can help you find dental and vision insurance that fits your budget and supports your wellness goals. Plans are available for individuals, families, and seniors.
Book a time on Chris's calendar to talk dental and vision insurance plans.
Supplemental Insurance Plans to Help Cover Unexpected Costs
Supplemental Insurance: Hospital, Critical Illness, and Accident Protection
Even with a solid health insurance plan, unexpected medical events can lead to major out-of-pocket costs. Supplemental insurance helps you prepare for the unexpected. Chris Carmichael offers Hospital Indemnity, Critical Illness, and Accident Protection Plans that provide added financial security when you need it most.
These plans pay cash benefits directly to you—helping cover deductibles, lost income, or everyday bills. Available throughout Clearwater, Pinellas County, and Tampa Bay, supplemental insurance can be an essential layer of protection for individuals, families, and seniors looking to safeguard their finances.
Book a time on Chris's calendar to talk supplemental insurance plans.
Medicare Plans Designed for Veterans
Explore Medicare Plans That Work with VA Benefits
Veterans with VA healthcare benefits may still benefit from Medicare coverage—especially when it comes to access, flexibility, and broader provider networks. Chris Carmichael helps veterans and their families in Clearwater and across the Tampa Bay area evaluate Medicare plans that are designed to work alongside VA benefits.
With clear, one-on-one support, Chris explains how these plans can fill in gaps and offer additional choices for care. Whether you’re new to Medicare or re-evaluating your current plan, he’s here to help you make the best decision for your health and your lifestyle.
Turning 65 and not sure how Medicare works?
Chris can help you understand the differences between Medicare Advantage, Medigap, and Part D prescription plans—so you can make an informed choice without the confusion.
Raising a family and thinking about life insurance?
Whether you’re considering term life insurance, whole life coverage, or final expense plans, Chris can help you choose life insurance that works for your budget—and your family’s peace of mind.
Self-employed and unsure how to find affordable health insurance?
Chris offers no-cost guidance to help you explore marketplace (ACA) health plans, private health insurance options, and supplemental coverage that fits your life and your work.
Veteran with VA benefits and wondering if Medicare might help?
Chris specializes in Medicare plans designed to work alongside VA benefits, providing veterans with options for more complete coverage.
Worried about out-of-pocket costs when life throws you a curveball?
Chris can help you explore supplemental insurance options like hospital indemnity, critical illness, and accident protection plans to help reduce financial strain when unexpected healthcare costs arise.
Why People Trust Chris for Their Insurance Needs
Here to Serve: Independent with Your Best Interest in Mind
As an independent agent, Chris partners with top-rated insurance carriers—but he always puts your needs first. That means no sales quotas, no hidden agendas, and no pressure.
Local to Clearwater and the Tampa Bay Area
He knows the plans available in your community—and how they actually stack up.
Zero-pressure Consultations
Personalized attention without pushy tactics.
Access to top Florida Carriers
A wide range of health, life, Medicare, and supplemental insurance options.
Education-first Mindset
Chris breaks things down clearly so you can make confident, informed choices.
Ongoing Support You Can Count On
Chris is here to answer questions, revisit your plan if your needs change, and make sure your coverage continues to work for you—long after enrollment.