Odessa is one of the fastest-growing family communities in the Tampa Bay region — and Santel Legacy Group is proud to serve local families. Whether you're new to the area, moving into a Starkey Ranch home, or just need honest guidance on health or life insurance, we're here to help.

Health insurance options for Odessa residents

Odessa falls within Pasco County, which has a slightly different set of Marketplace plan options than neighboring Hillsborough County. We help Odessa families navigate:

  • Marketplace plans available in Pasco County — Including Oscar, Ambetter, Florida Blue, and others
  • Private PPO plans — Great for families whose income is above subsidy thresholds, or who want broader provider networks across both Pasco and Hillsborough
  • Short-term and gap coverage — Bridge plans when you're relocating or between jobs

Hospital networks serving Odessa

Odessa residents are typically within easy driving distance of several hospital systems. Before you enroll in any plan, we verify your preferred providers are in-network:

  • AdventHealth — Including AdventHealth Carrollwood and AdventHealth Wesley Chapel
  • HCA Florida Trinity Hospital — Serving the Trinity/Odessa area
  • Medical Center of Trinity — Primary acute care for the Pasco area
  • BayCare St. Joseph's Hospital — North and South Tampa locations
  • AdventHealth Tampa — For specialized care

Life insurance for Odessa's growing families

Odessa has become one of Tampa Bay's most popular communities for young families moving to developments like Starkey Ranch, Keystone, and the surrounding Pasco corridor. These are the exact life stages when life insurance matters most.

We help Odessa families with:

  • Term life insurance — Protecting your family during mortgage years, kids' school years, and your income-earning prime
  • Whole life insurance — Permanent coverage with tax-advantaged cash value for legacy or supplemental retirement planning
  • Final expense insurance — Simple, affordable coverage for parents or grandparents
  • Hybrid strategies — Combining different coverage types based on your family's goals

Why Odessa families work with Santel Legacy Group

  • Local, not corporate — You'll work directly with Isaiah every time, not a different rep each call
  • Independent broker — We compare 20+ carriers side by side — not pushing one carrier's agenda
  • No cost to you — Our services are completely free; we're compensated by the insurance carriers
  • Virtual or in-person — Meet from your Odessa home, over a Zoom call, or at a coffee shop — whatever works
  • Lifelong support — Your family changes. Your coverage should too. We're here for every life event.

Marketplace subsidies — most Odessa families qualify

Odessa's family demographics (median household income around $90,000, with many two-income families) mean many residents qualify for at least partial Marketplace subsidies — and dual-income families with multiple kids often qualify for larger-than-expected tax credits. The subsidy math has changed in recent years, so if you were told you "made too much" a few years ago, it's worth re-checking.

Serving the surrounding area

In addition to Odessa, we work with families throughout the surrounding Pasco and Hillsborough communities, including Starkey Ranch, Lutz, Trinity, Keystone, Westchase, Carrollwood, and Land O' Lakes.