Everyone should have affordable health insurance, this is our mission.

With our agent, David Mark Decherd, working directly with clients on their behalf, there’s no conflict of interest when it comes to finding the right coverage at the right price. That means that we can offer you personalized service and help find a policy that meets your needs.


Health Insurance MD LLC is a new insurance consultancy that has recently launched in Florida. Unlike other insurance agencies, Health Insurance MD LLC's insurance agent works directly for the client -- not the insurance carrier or the government.

Aligning our interests with those of the individual or company, we find our clients affordable coverage without a conflict of interest. This means that you can find insurance without concerns about either the agent or their employer having ulterior motives.

It's important to note that we have NO relationship and/or appointment with the insurance carriers that offer products on the exchange. We do not work for the government or for the insurance carriers on the Exchange and are compensated solely by the client or the employer.

5-Step System to Affordable Health Care Coverage

Our 5-step system assists employers and individuals in obtaining affordable health insurance — often at extremely low cost.

Decherd developed this streamlined system after working for several years as an Affordable Care Act Navigator. Frustrated by the difficulties in helping people find health care plans at reasonable prices, he came up with a better way:

1. Determine eligibility and enrollment periods as well as identify any particular client issues (i.e., COBRA, birth, death, coverage loss at no fault of the client, etc.) that could impact enrollment.

2. Submit the application, review the government's eligibility letter, and develop a plan to respond accordingly.

3. Help clients understand insurance terminology and select -- without prejudice -- from the many policies presented.

4. Submit documentation and respond to any requests from the Exchange. The Exchange asks for a number of different documentation items. The most common include employer income documentation, green cards or citizenship documentation, Florida KidCare, Medicaid, and Social Security.

5. Subsequent client reviews in the event of a life change. Decherd helps clients maintain their health insurance benefits and comply with all of the Affordable Care Act's stipulations throughout different stages of life including marriage status changes, income growth or decline as well as household size modifications which could affect one’s coverage.

Next Steps

You deserve more than just someone who will sell you any old policy; you deserve someone who will work with you to find something that fits your budget and satisfies all of your needs. We’re here for people like you who want quality care but don’t have the time, knowledge, or desire to figure it all out on their own. We serve as your advocate in this process so that everything goes smoothly from start to finish. Let us help you find affordable healthcare solutions tailored specifically for your needs and budget so you can focus on what matters most – living well!

Call me today 239-271-7785

Health Insurance DMD L.L.C.

Health Insurance MD LLC

Decherd, David Mark

6900-29 Daniels Pkwy Ste 189

Fort Myers, FL. 33912



EIN: 87-2657209