The Wrong Insurance
Won't Save You When It Matters
Most people discover coverage gaps when they file a claim. Arnold Rabinowitz has spent 31 years making sure that never happens — by educating clients first, then recommending the right life, health, and Medicare coverage across every major carrier in Florida.
What Happens When Coverage Doesn't Match Reality
People don't discover bad insurance when they buy it. They discover it when they need it — and by then, it's too late to fix.
A life insurance policy with wrong beneficiaries, lapsed coverage, or policy exclusions you didn't know about can leave your family with nothing. The wrong policy, clearly explained, is still the wrong policy.
Out-of-network charges, uncovered procedures, and ACA plan gaps surprise thousands of Floridians every year. Health insurance that looks complete often isn't. An agent who educates you won't let that happen.
Miss your Medicare enrollment window and you face lifetime premium penalties. Choose the wrong plan and you may pay hundreds more annually for the same coverage. These mistakes don't fix themselves.
There's a better way — and it starts with a free, pressure-free conversation.
Arnold doesn't sell you a policy. He helps you understand your options — then you decide.
Schedule Your Free Insurance Review Educate First.
Recommend Second.
Arnold Rabinowitz founded Main Street America Insurance, Inc. in 1995 with one mission: help Boynton Beach families and individuals understand their insurance options — not just buy one. 31 years later, that mission still drives every conversation.
As an independent advisor, Arnold isn't locked into one carrier's products. He shops life insurance, health insurance, Medicare supplements, dental, annuities, and long-term care across every major Florida carrier — then explains your options in plain language until you understand them.
"My core value is honesty in educating my clients. I want every person who works with me to walk away knowing exactly what they're covered for — and why."
Life Insurance, Health Insurance & More — Across All Major Florida Carriers
Arnold compares plans across every major carrier so you get the right coverage, not just the first option presented.
Term, whole, universal, and final expense policies for individuals, families, and business owners. Compared across all major carriers.
Learn More →Individual, family, and business health plans including ACA Marketplace, short-term coverage, and employer group plans.
Learn More →Medicare Supplement (Medigap), Medicare Advantage, and Part D prescription plans. Arnold is a Certified Senior Advisor.
Learn More →Individual and family dental coverage, including plans that pair with health insurance or Medicare supplement policies.
Learn More →Fixed, indexed, and immediate annuities for retirement income planning. Guaranteed growth without market risk.
Learn More →Coverage for in-home care, assisted living, and nursing facilities. Protect your assets and spare your family the burden.
Learn More →Short and long-term disability coverage to replace income if illness or injury prevents you from working.
Learn More →Critical illness, accident, hospital indemnity, and vision coverage. Fill the gaps your primary insurance doesn't cover.
Learn More →Get Covered in 3 Simple Steps
No pressure. No jargon. Just a clear conversation and honest recommendations — from someone who's been doing this since 1995.
A free, no-pressure consultation — by phone or in person. Arnold listens to your life stage, budget, health needs, and goals. No forms to fill out before the conversation.
Arnold compares plans across every major Florida carrier and explains each option in plain English. He'll tell you what each plan actually covers, what it doesn't, and what the real costs look like.
Once you understand your options, you choose. Arnold handles the paperwork, answers questions after enrollment, and remains your advisor long after the policy is in place.
Stop Guessing Whether You're Covered
A free 30-minute consultation with Arnold will tell you more about your coverage than you'd learn reading policies for hours on your own. No sales pressure. No obligation.
Arnold Shops Every Carrier.
Captive Agents Shop One.
When an agent works for one insurance company, they can only sell that company's plans. Arnold works for you.
What It Feels Like to Be Truly Covered
1,500+ Florida families, individuals, and businesses know this feeling. You can too.
No surprises. No fine print you didn't understand. Arnold explains your policy until you actually understand it — not just until you stop asking questions.
The right life insurance means your family is financially secure if the unthinkable happens — and the right beneficiary designations mean the payout actually reaches them.
You enrolled at the right time, chose the right plan type, and your prescription costs are predictable. No lifetime penalty. No gaps you didn't know about.
Not a 1-800 number. Not a chatbot. Arnold's direct lines are in your phone. When you have a question or need to update your coverage, he answers.
Group health plans, key person life insurance, and disability coverage for business owners who need to protect more than just themselves.
Arnold has lived and worked in Boynton Beach since 1995. He knows Florida's insurance market, Florida carriers, and Florida clients — not a general national database.
Rated 5 Stars on Google
Real clients, real coverage, real results. Here's what people say after working with Arnold.
"Arnold took the time to explain every Medicare option clearly. I had been confused for months trying to research on my own. After one conversation with him, I knew exactly what to choose and why. He's been my advisor ever since."
"I called Arnold after getting quotes from two other agents. He was the only one who actually explained the differences between plans instead of just pushing one. He found me better coverage at a lower premium than either of the others quoted me."
"Arnold has been handling our family's life and health insurance for over 10 years. He knows our situation, remembers our history, and calls us when we need to make changes. That kind of personal service is rare today."
Why Education Comes Before Every Policy
31 years. One philosophy. Arnold explains it in his own words.
Not a sales pitch — just 31 years of perspective on how insurance advice should work.
Turning 65? Medicare Supplement Insurance in Boynton Beach — Done Right.
Medicare enrollment is one of the most consequential financial decisions you'll make — and the deadlines are not flexible. Miss your Initial Enrollment Period and you could face lifetime premium surcharges. Choose the wrong plan type and overpay for years.
As a Certified Senior Advisor licensed since 1995, Arnold specializes in helping Boynton Beach and SE Florida seniors navigate Medicare — explaining the differences between Medicare Supplement (Medigap) and Medicare Advantage clearly, comparing Part D prescription plans, and making sure enrollment happens on time.
Explore Medicare OptionsMedicare Plan Types — Explained Simply
Hospital insurance — inpatient care, skilled nursing, hospice. Most people don't pay a premium if they worked 40+ quarters.
Medical insurance — doctor visits, outpatient services, preventive care. Standard monthly premium in 2025: $185/month.
Fills gaps in Parts A & B — covering copays, coinsurance, and deductibles. Arnold compares all Florida Medigap plans.
Private plan alternative to traditional Medicare — often includes dental, vision, and prescription coverage. Lower premiums but more network restrictions.
Prescription drug coverage. Available standalone or bundled with Medicare Advantage. Arnold compares Part D plans by your specific medications.
31 Years. Earned Credentials. Proven Track Record.
Accredited by the Better Business Bureau with an A+ rating maintained for over 20 consecutive years
Florida insurance license in life, health, and annuities — verified and continuously renewed for 31 years
CSA designation — specialized training in the health, financial, and social issues facing seniors and Medicare recipients
Member of the National Association of Benefits and Insurance Professionals — the leading advocacy organization for health insurance advisors
"Most agents sell insurance.
Arnold teaches it. Then you decide.
"
The insurance industry has a transparency problem. Agents who work on commission have an incentive to sell, not educate. Products get recommended for their margin, not their fit. Clients end up in policies they don't fully understand — and discover the gaps when they file a claim.
Arnold's core value — honesty in educating his clients — is a deliberate rejection of that approach. Since 1995, he's built his practice on one principle: an informed client is the right client. That doesn't always mean the most expensive policy. It means the right one.
Not Sure What Coverage You Need?
That's exactly why Arnold offers a free, no-obligation consultation. You bring your questions — he brings 31 years of answers. No pressure to buy anything on the call.
Frequently Asked Questions
Real questions from real clients — answered clearly, without the insurance jargon.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement (Medigap) works alongside Original Medicare — you keep your Medicare benefits and the Medigap plan covers the gaps (copays, deductibles, coinsurance). You can see any doctor who accepts Medicare nationally.
Medicare Advantage (Part C) replaces Original Medicare with a private plan — often with lower premiums and added benefits like dental and vision, but with network restrictions and prior authorization requirements.
Which is better depends on your health needs, budget, and how you use healthcare. Arnold will walk you through both — for free — so you can make an informed decision. Learn more about Medicare coverage →
Do I need an independent health insurance agent near me — or can I just use the Marketplace?
You can use the ACA Marketplace on your own — and many people do. But an independent health insurance agent near you (like Arnold) costs you nothing extra and can navigate the options faster, explain subsidy eligibility accurately, and catch mistakes before enrollment closes.
Arnold is paid by the carrier — not by you — so his fee to you is zero. The value is access to someone who knows the Florida market and can help you avoid costly enrollment mistakes.
What's the best supplemental insurance for Medicare in Florida?
In Florida, Plan G and Plan N are the most popular Medigap plans in 2025 for people enrolling after 2020. Plan G covers nearly all Medicare-approved costs except the Part B deductible ($257 in 2025). Plan N has lower premiums but requires small copays for some visits.
The "best" plan depends on your health, your prescription needs, and your budget. Arnold compares specific carrier rates in Boynton Beach, Boca Raton, Delray Beach, and all of SE Florida to find the right fit for your situation.
How do I know if my current life insurance coverage is enough?
A general rule of thumb is 10-12× your annual income for working adults with dependents — but life insurance needs depend on your debts, dependents, income replacement timeline, business interests, and estate planning goals.
Arnold can review your existing policy (free, no obligation) and tell you whether you're adequately covered, overinsured, or if there are gaps worth addressing. He's been reviewing Florida life insurance policies since 1995.
Is "Main Street America Insurance" the same as the MSA insurance carrier?
No — and this is an important distinction. Main Street America Insurance, Inc. is Arnold Rabinowitz's independent agency, incorporated in Florida and operating since 1995. The legal entity name includes "Inc." at the end.
Approximately two years ago, a separate insurance carrier rebranded under a similar name (MSA Insurance). We are an entirely different, independently-owned company — not affiliated with that carrier in any way. Arnold's agency is also accessible at onlinefloridainsurance.com and mainstreetamericainsurance.com.
What is affordable health insurance in Boynton Beach, FL?
Affordable health insurance in South Florida depends on several factors: your household income (which determines ACA subsidy eligibility), your age, and whether you qualify for Medicaid or other programs. In 2025, most individuals earning between 100-400% of the federal poverty level qualify for significant ACA subsidies.
Arnold helps clients in Boynton Beach find the most affordable plan for their situation — including options many people don't know exist. The consultation is free and available by phone or in person.
Do you offer long-term care insurance for seniors in Florida?
Yes. Long-term care insurance covers assisted living, nursing home care, and in-home care services — expenses that Medicare does not cover for extended periods. For Florida seniors, long-term care planning is critical because the average annual cost of assisted living in Florida exceeds $50,000.
Arnold also offers hybrid long-term care products that combine life insurance with long-term care benefits — so if care is never needed, the policy still pays out to your beneficiaries. Schedule a free consultation to explore options →
SE Florida & Statewide
Life & Health Insurance Agency
Based in Boynton Beach, Arnold serves clients throughout Southeast Florida in person — and is licensed to help clients across the entire state of Florida by phone.
Your Family Deserves an Advisor
Who Explains Everything.
1,500+ Florida families have trusted Arnold Rabinowitz to protect what matters most since 1995. A free, no-obligation consultation is all it takes to find out if your current coverage is right — or if there's a better option you haven't seen.
No pressure. No obligation. Arnold will give you honest information whether you work with him or not.