Insurance, explained by people who actually return your call.
Matt and Robin Giron — independent agents licensed in Texas and Florida. Medicare, ACA Health, Life, Annuity, and LTC planning.
✓ No phone number required
Matt & Robin Giron
Licensed in Texas and Florida
Shopping plans from major carriers
- Humana
- UnitedHealthcare
- Aetna
- Cigna
- Mutual of Omaha
- Florida Blue
- WellCare
- Anthem
- Blue Cross Blue Shield TX
What we help with
Medicare Advantage
Part C plans that bundle hospital, medical, and usually drug coverage.
Medicare Supplement (Medigap)
Plans G, N, and high-deductible G that fill the gaps in Original Medicare.
Medicare Part D
Standalone prescription drug plans, including the 2025 $2,000 out-of-pocket cap.
ACA Health Insurance
Marketplace plans for under-65 Texans and Floridians, with subsidy verification.
Final Expense
$5,000-$50,000 simplified-issue whole life for funeral and burial costs.
Term Life Insurance
10-, 20-, and 30-year level term — the cheapest way to cover a mortgage or income.
Whole Life Insurance
Permanent insurance with guaranteed cash value and level premiums.
Texas + Florida only — on purpose
Texas has the most Medicare Advantage hot-spot counties of any state outside Florida (Starr, Hidalgo, El Paso, Cameron all above 65% MA penetration per KFF 2024). Florida is the largest ACA Marketplace state in the U.S. — 4.54 million enrollees in 2026 per CMS. We built this practice around those two markets so we can actually keep up with carrier filings, network changes, and the unique rules in each state — like Texas's 2025 HB 2516 guaranteed-issue Medigap for under-65 disabled residents.
Frequently Asked Questions
What states are you licensed in?
Matt and Robin Giron are Texas-resident agents, both also licensed as non-resident agents in Florida. We focus on Texas and Florida residents only — that's our footprint, and it lets us know the carriers, networks, and rules at a deeper level than a 50-state agency.
Do you charge a fee?
No. Like most independent insurance agents, we are compensated by the carriers when you enroll. There is no cost to you for using our service.
How is this different from healthcare.gov or Medicare.gov?
Those sites show every plan but offer no personalized comparison. We do the apples-to-apples comparison for you, factor in your doctors and prescriptions, and stay with you all year for any plan or billing questions.
Do I have to give you my phone number to get a quote?
No. The ZIP-code form on this page only requires a ZIP. You'll see plans and we'll show our phone number — you call us if and when you want to.