A Florida health insurance broker who works for you, not the insurance company.
Stratton Advisory Group compares full comprehensive health coverage for individuals, families and small businesses, including private, ACA and group plans from 30+ carriers, then helps you choose with clear, honest advice. Licensed in 31 states. Free to you.
- Licensed advisor, NPN 22089749
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- NPN 22089749Verify the license
- 31 StatesLicensed to advise
- 30+ CarriersCompared side by side
- 16,000+Clients served by our team
- BBB ListedView our profile
Plans we compare include
We are an independent agency, not an insurance company, and are not affiliated with any carrier. Carriers we compare include Cigna, Aetna, Blue Cross Blue Shield, UnitedHealthcare, Humana, Oscar Health, Molina Healthcare, Simply Healthcare, Ambetter, Florida Blue, SantaLucia Health, WellPoint. Carrier logos are trademarks of their owners and are shown to identify carriers we can quote. Availability varies by state, county and plan type.
Which of these sounds like you?
Self-employed & 1099No employer plan, and premiums you may be able to deduct.Individual coverage →
FamiliesKeep the pediatrician, specialists and prescriptions you rely on.Family coverage →
Healthy applicantsRarely use care and paying too much for it.Private PPO plans →
Business ownersBenefits that help you hire, within a budget you set.Business benefits →
Health conditionsNeed guaranteed coverage, or may qualify for tax credits.ACA plans explained →
Leaving a jobCompare COBRA with an individual plan before you elect.Compare options →
Pre-existing condition, prefer privateHave a health condition but want to stay away from the ACA marketplace.Private plans don’t look at your income. Depending on your health history, private PPO options may still be available, though pre-existing conditions may be limited.
See your options →Why work with an independent advisor?
There are three common ways to buy health insurance. Here is how they compare. Going direct can make sense if you already know the exact plan you want.
| Direct from one carrier | Marketplace on your own | Stratton Advisory Group | |
|---|---|---|---|
| Plans you see | One company's plans | ACA plans only | ACA, private, group and dental/vision from 30+ carriers |
| Doctor and prescription check | You check it yourself | You check it yourself | We check before we recommend |
| Advice on trade-offs | Sales rep for that company | Online tools and call centers | One licensed advisor who knows your situation |
| Cost to you | Carrier-set premium | Carrier-set premium | Carrier-set premium. No fee for our service |
| Help after enrollment | Carrier customer service | Marketplace call center | Claims questions, network issues and renewals |
Premiums are set by the insurance carrier and are generally the same whether you enroll directly or through a licensed broker.
One licensed advisor, from first call to renewal.
Ayoub Cherif is a licensed health insurance broker and Senior Advisor at Stratton Advisory Group, based in Sunrise, Florida. He works with individuals, families, self-employed professionals and small business owners, from the first consultation through enrollment and renewal.
A clear advisory process, start to finish.
No pressure and no jargon. You see your options side by side before you decide anything.
Consultation
We learn who needs coverage, your doctors and prescriptions, your budget and what you have today.
Market comparison
We compare plans across carriers: networks, deductibles, maximum out-of-pocket and total yearly cost.
Your decision
We walk you through the trade-offs in plain language. You choose. We handle the application.
Ongoing support
Questions about a claim, a network change or your renewal? You call the same advisor.
If you're healthy, you may be paying more than you need to.
Depending on your health history and eligibility, medically underwritten private PPO plans may offer significantly lower premiums than traditional options, with no referrals needed to see specialists.
Unlike guaranteed-issue plans, medically underwritten policies evaluate your health profile when determining eligibility and rates. If you qualify, you may have access to more competitive pricing and coverage options.
How private health insurance works| Guaranteed-issue | Medically underwritten | |
|---|---|---|
| Who is accepted | Everyone | Based on health profile |
| How price is set | Not by health history | Health is considered |
| Healthy applicants | Pay the same as everyone | May pay significantly less |
| Pre-existing conditions | Covered | May be limited |
| Network | Often HMO or EPO | PPO, no referrals |
Licensed in 31 states.
- Alabama
- Arkansas
- Colorado
- Delaware
- Florida
- Georgia
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Michigan
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- North Carolina
- Ohio
- Oklahoma
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- West Virginia
- Wisconsin
- Wyoming
Don't take our word for it. Verify it.
Every credential on this site can be checked on an independent, official website.
Straight answers, before you buy.
- 01Private vs. ACA
Private Health Insurance vs. ACA Marketplace Plans in Florida
The real differences between private and marketplace coverage, and how to decide which fits your health, income and doctors.
Read guide → - 02Self-Employed
Health Insurance Options for Self-Employed Floridians
Your coverage options as a freelancer, contractor or business owner, plus how the self-employed health insurance deduction works.
Read guide → - 03PPO Plans
How to Compare PPO Health Insurance Plans
What makes a PPO different, and the checklist we use to compare networks, out-of-network benefits and total cost.
Read guide →
5.0 Ayoub was absolutely amazing to work with! He made the entire health insurance process simple, stress-free, and easy to understand. He was extremely knowledgeable, professional, and patient, taking the time to explain all the options and help find the best coverage at an affordable price. You can tell he genuinely cares about helping people and isn’t just trying to make a sale. I highly recommend Ayoub to anyone looking for health insurance!
Ayoub was an absolute pleasure to work with. He saved my family and I $350 a month for our health coverage. Thank you Ayoub for taking time to set us up with a policy that fits for us both medically and financially. 10/10 definitely recommend him!
Fast, Accurate, Personalized. That’s how I would explain the philosophy of Stratton Advisory. If I ever take a new health insurance agent it will be when Ayoub retires. 10/10 would reccommend
Thank you!!! The help you have provided me and my family was unmatched. Stratton made it easy to navigate and helpful to understand all the information. I would truly recommend them to help your family.
Ayoub was amazing, very easy to work with! He didn’t just help me get the coverage I needed but also educated me on the topic! Thank you very much Ayoub
Never a met a such a cool Moroccan health Insurance broker. Showed all my options on the ACA and the private. Private insurance was the best for me!
Questions clients ask us
What kind of health insurance do you offer?
Full comprehensive health coverage: individual, family, private PPO, ACA marketplace and small business group plans. Full comprehensive plans cover doctor visits, specialists, hospital stays, prescriptions and emergencies, with an out-of-pocket maximum that caps your costs in a bad year.
What does an independent health insurance broker do?
An independent broker is licensed to offer plans from multiple insurance companies instead of just one. We compare options across carriers, check that your doctors and prescriptions are covered, explain the trade-offs in plain language, handle the application, and stay available after enrollment for claims questions, network issues and renewals.
Does it cost anything to work with Stratton Advisory Group?
No. Our consultation and ongoing service are free to you. Brokers are paid by the insurance carrier. Premiums are set by the carrier and are generally the same whether you buy through a licensed broker or directly.
What types of coverage can you help with?
Individual and family health insurance, private and medically underwritten plans, ACA marketplace options, small business group benefits, and dental and vision coverage. We compare these side by side so you can see which type fits your health, budget and doctors.
I'm healthy. Can I pay less for health insurance?
Possibly. Depending on your health history and eligibility, medically underwritten private health insurance plans may offer significantly lower premiums than traditional options. Unlike guaranteed-issue plans, underwritten policies evaluate your health profile when determining eligibility and rates, so if you qualify you may have access to more competitive pricing.
Which states are you licensed in?
Ayoub Cherif is licensed in 31 states: Alabama, Arkansas, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, Wyoming. You can verify his license with NPN 22089749 on the Florida DFS, NAIC or NIPR websites.
Can I keep my current doctors?
Often, yes. Networks vary by carrier and plan, so we check your doctors, hospitals and prescriptions against each plan's directory before recommending anything. If a doctor isn't in a network, we tell you upfront and show you the alternatives.
Do I have to wait for open enrollment?
Not always. ACA marketplace plans follow open enrollment (on HealthCare.gov, November 1 to January 15 for 2027 coverage) unless you qualify for a special enrollment period. Some private plans and small business plans can start during the year. We'll tell you which options are open to you right now.
How long does the process take?
It depends on your situation. Once we have your household details, doctors and budget, we prepare a side-by-side comparison and review it with you. Small business groups usually take longer because carriers need an employee census, and timing varies by carrier and group size.
Speak with a licensed advisor before you choose a plan.
Tell us who needs coverage and what matters to you. We will compare your options across carriers and walk you through them in plain language.
- (321) 442-6966
- Text us at (321) 442-6966
- Ayoubcherifhealth@gmail.com
- 1550 Sawgrass Corporate Pkwy, Sunrise, FL 33323
Schedule a Consultation
Share a few details and a licensed advisor will contact you.
Request received
Thank you. Here is what happens next:
Pick a time for your callNeed help sooner? Call (321) 442-6966.
Something went wrong. Please call (321) 442-6966 and we'll help right away.