✓ Zero Broker Fees
✓ Latina & Female-Founded
✓ 21+ Years Experience
✓ Florida Licensed
INDEPENDENT HEALTH & LIFE ADVISOR • TAMPA BAY, FL
Insurance Built by a Warrior Who Has Stood Where You’re Standing.
Most websites give you an automated algorithm and leave you to guess. I’m Michele Wilkinson—licensed independent broker with over 21 years of experience, and a breast cancer survivor.
When cancer hit in 2022, I lived the medical billing maze from the hospital bed. Today, I use that fight to protect individuals, families, and growing businesses from financial traps, surprise bills, and sky-high deductibles. You get honest guidance and a fierce advocate in your corner—at the exact same regulated price as buying alone.
THE WARRIOR PHILOSOPHY
I Don’t Just Sell Policies. I Stand Guard Over Your Health and Wealth.
When I was diagnosed with breast cancer in 2022, my two decades in the insurance industry stopped being theoretical. I experienced the frantic phone calls, the pre-authorization delays, and the panic of watching out-of-pocket maximums add up in real time.
That experience transformed how I serve my clients.
At Athena Warrior Insurance, we don’t push carrier quotas or let you blindly choose an $8,000 deductible plan that leaves you exposed to medical debt. Backed by a degree in Management Information Systems from USF and 21+ years in benefits design, I break down the fine print so you can lay your head on your pillow at night knowing your family or team is truly protected.
— Michele Wilkinson, President & Founder
21+
Years in Florida Insurance
100%
Independent
$0
Extra Cost
WHERE CAN WE HELP YOU TODAY?
Two Paths. One Dedicated Advocate.
Insurance isn't one-size-fits-all. Select your category below to see how we build your custom shield:
INDIVIDUALS, FREELANCERS & RETIREES
Personal Coverage That Actually Covers You
You don't have to navigate healthcare.gov, private PPO health questions, or Medicare rules alone. Whether you're self-employed, aging off your parents' plan, in between jobs, or turning 65, we build a safety net tailored to your doctors and budget.
✓ ACA Marketplace Subsidies
✓ Private PPO Health Networks
✓ Medicare Advantage & Supplement Plans
✓ Individual Life, Dental & Vision
BUSINESS OWNERS & TEAMS
Big-Company Benefits on a Small Business Budget
Competing for top talent shouldn't threaten your operating budget. As a fellow Florida business owner, I design group health, supplemental benefits, and key-person policies that recruit and retain great employees while lowering company tax liabilities.
✓ Small Group Major Medical
✓ Key-Person & Partnership Buy-Sell
✓ Voluntary Dental, Vision & Disability
✓ Tax-Advantaged HSA/HRA Setups
HOW IT WORKS
Three Steps. Zero Confusion. Total Peace of Mind.
01
The Discovery Conversation
We connect for a comfortable, pressure-free chat. We review your doctors, daily prescriptions, family priorities, and budget comfort zone. No confusing jargon, no sales pitches.
02
The Real-Life Comparison
We look past the monthly sticker price to model your true financial risk—ensuring a surprise emergency room visit or diagnostic test won't drain your emergency savings or max out a credit card.
03
Your Lifetime Advocate
You select the plan you feel empowered by. And when a hospital bill shows up wrong, a claim is delayed, or your life changes, you don’t call a 1-800 call center—you call Michele directly.
Book Your 15-Minute Intro Call
WHAT MOST BROKERS WON’T TELL YOU
The Cheap Premium Trap: Why Having Insurance Isn't Always Enough
Medical debt remains the leading cause of personal bankruptcy in the United States—and over 60% of those families had health insurance when their illness or accident occurred.
When Open Enrollment arrives, picking the lowest monthly payment with an $8,000 or $9,000 deductible feels like saving money—until an unexpected emergency lands you in the hospital. We specialize in gap and supplemental protection that pays cash directly to you during a hospitalization or major diagnosis, ensuring you never have to pull $10,000 out of savings or borrow on high-interest credit cards.
The Strategy: Lower Cost, Zero Compromise
Smart plan design means pairing the right major medical foundation with low-cost gap coverage so you keep monthly premiums low without leaving your life savings exposed.