Choosing health or life insurance is a big decision, and the person helping you choose matters just as much as the plan. I’m Roxroy Ashley, an independent licensed agent with HealthMarkets, based in Fort Lauderdale and licensed in 33 states. Here’s what you can expect when you work with me.

• I Make Sure Your Doctors and Hospitals Are Covered
  A low premium means nothing if your doctors, medical group, or hospital aren’t in the plan’s network. Before I recommend anything, I check your providers against each plan’s network. If your current plan is still the right fit, I’ll tell you to keep it.
• I Check Every Prescription and Your Pharmacy
  Drug coverage varies widely from plan to plan, and skipping this step can lead to large surprise costs. I run your full medication list and preferred pharmacy through every plan we consider. When needed, I’ll even call your doctor’s office to confirm details so nothing slips through the cracks. For Medicare clients, I redo this review every Annual Enrollment Period, since Part D drug costs can change from year to year.
• I’m Independent and Work With Many Carriers
  As an independent agent, I’m not tied to one insurance company. I work with the major carriers, which lets me compare options side by side and find the plan that fits you, not the one that fits a quota.
• My Help Costs You Nothing Extra
  Many people assume working with an agent adds to their cost, but it doesn’t. Plan premiums are generally the same whether you enroll through me or directly with the insurance company, so you get personal guidance and ongoing support at no additional charge.
• I’m Upfront About What I Offer
  Being independent doesn’t mean I offer every plan, and I’ll always be clear about what’s available through me. I’m also happy to explain how agents are compensated. For Medicare plans: We do not offer every plan available in your area. Currently we represent 8 organizations which offer 65 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
• No Pressure, No Obligation
  Talking with me never commits you to anything. There’s no obligation to enroll, and I’ll never push you into a decision. My job is to give you the information you need and let you choose what’s right for you and your family.
• I Show You All Your Options
  Some agents only present the plans that are easiest to sell. I lay out every path that fits your situation so you can compare them side by side. For Medicare clients, that means walking you through both Medicare Advantage and Original Medicare paired with a Medigap supplement and Part D drug plan, since the rules and long-term costs differ substantially.
• I Look at Your True Yearly Cost, Not Just the Premium
  The monthly premium is only part of the story. I give you a full-year cost estimate that includes your maximum out-of-pocket exposure, copays, and expected drug costs based on how you actually use your healthcare.
• I Help You Get the Right Amount of Life Insurance
  Too little coverage can leave your family struggling, and too much means paying for protection you don’t need. I help you figure out how much coverage makes sense based on your goals, whether that’s replacing income, paying off a mortgage, or covering final expenses. I’ll also explain the difference between term and permanent coverage in plain language so you know exactly what you’re buying.
• I Help You Get Covered, Even With Health Conditions
  Many people with diabetes, heart conditions, or other health history assume they can’t get life insurance or will pay too much for it. Insurance companies look at health conditions differently, and I’ll help you find the carriers that are a better fit for your situation. For health insurance, ACA-compliant plans can’t deny you or charge you more because of a pre-existing condition, and I’ll make sure you understand your rights.
• I’m Fully Licensed and Certified
  I’m licensed in 33 states (Florida License #W323530, NPN #17946070), complete annual Medicare training and certification, and am registered with the federal Health Insurance Marketplace for ACA plans. You can verify my license anytime through your state’s insurance department.
• I Specialize in Life’s Big Coverage Transitions
  Changing coverage is when costly mistakes are most likely to happen. I have particular experience helping people who are leaving employer coverage, retiring, or enrolling for the first time. For Medicare clients, I’ve spent 8 years focused on Medicare, help 75 to 80 new clients each year, and specialize in guiding people turning 65 or retiring from employer coverage, helping them avoid gaps and late-enrollment penalties.
• I Help With Both Medicare and Under-65 Coverage
  I help about 148 individuals and families with ACA/Marketplace coverage each year, in addition to my Medicare clients. That’s especially valuable for households where one spouse is on Medicare and the other needs individual coverage, or for anyone who wants one trusted agent before and after 65.
• I Know the Assistance Programs You May Qualify For
  If there’s help available to you, I’ll make sure you know about it. I help clients qualify for Special Enrollment Periods after major life changes and find financial help available for Marketplace plans. For Medicare clients, I also work with those who qualify for both Medicare and Medicaid, Special Needs Plans, and Extra Help for prescription costs.
• National Reach With Deep South Florida Roots
  I serve clients across 33 states, but most of my clients are right here in South Florida. I know the local health systems well, including HCA Florida, Memorial Healthcare System, and Baptist Health, which helps me spot network issues that others might miss.
• I Put Education First
  My goal is for you to understand your options, not just pick a plan name off a list. I focus on each client individually, explain things clearly, and walk you through every step at your pace. You can also find helpful health insurance tips on my TikTok.
• I Give Hands-On, Responsive Service
  Meet with me however works best for you: by phone, over Zoom, or face to face. I offer home visits throughout Broward, Miami-Dade, and Palm Beach counties, and I respond to clients within 24 to 48 hours.
• I’m Here Year-Round, Long After You Enroll
  My support doesn’t end once you sign up, and it isn’t limited to enrollment season. I review your coverage every year, help with claims and billing issues, and am available whenever you have a question, a life change, or a policy update. That’s why 85% to 87% of my clients stay with me year after year, based on my own client record
• Your Personal Information Stays Protected
  Applying for coverage means sharing sensitive details like your Social Security number, medical history, and financial information. With a background in Information Technology, I understand how important data security is, and I handle your information with care every step of the way.
• Hear It From My Clients
  [Testimonials and Google Reviews to be added here]
• Proven Experience and Recognition
  With 14 years in the insurance industry, a Master’s in Business, and a BA in Information Technology, I bring both industry knowledge and a strong analytical background to every plan comparison. I’ve helped more than 1,800 clients and written over 1,000 policies. I’ve been recognized among the top 100 HealthMarkets agents out of more than 10,000 nationwide every year from 2022 through 2026, and I’m a HealthMarkets Chairman’s Club member, earning Silver status in 2025 and Gold status in June 2026.
• I Help Business Owners and the Self-Employed
  If you’re self-employed or own a business with 50 or fewer employees, I can help with small-group coverage for your team as well as your own personal coverage.
• One Trusted Agent for Your Whole Family
  Beyond health and Medicare coverage, I also help with dental, vision, supplemental, and life insurance. Bringing all of your family’s coverage to one person you trust saves time and makes sure nothing falls through the gaps.
• Conveniently Located in Fort Lauderdale
  My office is in Fort Lauderdale, making it easy for South Florida clients to meet in person, and home visits are available across Broward, Miami-Dade, and Palm Beach counties.
• You’ll Always Work With Me Directly
  I handle every client personally, with no hand-offs to an assistant or call center. When you call, you reach me, and I know your situation.