Individual & family coverage
Florida Health Insurance for Individuals & Families
Finding the right health plan for your family shouldn't be stressful. Our independent advisors compare dozens of Florida carriers to find coverage that fits your life — and your budget.
Plan options
Health Insurance Plans We Offer
Every family is different. We help you understand your options and choose the plan that makes the most sense for your situation.
ACA Marketplace Plans
Affordable Care Act plans available during Open Enrollment (Nov 1 – Jan 15) or with a Special Enrollment Period. Many Florida families qualify for premium tax credits that significantly reduce monthly costs.
- Essential health benefits required by law
- No denial for pre-existing conditions
- Premium tax credits based on income
- Pediatric dental & vision included
PPO Plans
Preferred Provider Organization plans give you the freedom to see any doctor or specialist — in or out of network — without a referral. Ideal for families who want maximum flexibility.
- See any doctor without a referral
- In-network and out-of-network coverage
- Nationwide provider access
- Great for frequent specialist visits
HMO Plans
Health Maintenance Organization plans offer lower premiums in exchange for using a defined network of providers. A primary care physician coordinates all your care.
- Lower monthly premiums
- Coordinated care through a PCP
- Referrals required for specialists
- Strong preventive care focus
Short-Term Plans
Temporary coverage for gaps between jobs, waiting periods, or other life transitions. Short-term plans offer quick approval and flexible term lengths.
- Coverage starts in as little as 24 hours
- Flexible 1–12 month terms
- Lower premiums than major medical
- Good for healthy individuals in transition
How it works
Getting Covered Is Simple
Tell Us About Your Family
Share your household size, income, zip code, and any doctors or medications you want covered.
We Shop the Market
Our advisors compare plans from dozens of top-rated Florida carriers to find the best fit for your needs and budget.
Review Your Options
We walk you through your top plan choices side-by-side — premiums, deductibles, networks, and benefits — in plain language.
Enroll with Confidence
We handle the paperwork and enrollment process for you, and stay available year-round for any questions.
Top-rated carriers
We Work with Florida's Best Insurance Companies
Common questions
Individual & Family Plan FAQs
When is Open Enrollment for Florida health insurance?
Open Enrollment runs November 1 through January 15 each year for ACA Marketplace plans. Outside this window, a qualifying life event — job loss, marriage, birth of a child, or moving — may trigger a Special Enrollment Period.
How do I know if I qualify for a subsidy?
Subsidies (premium tax credits) are based on your household income and size relative to the Federal Poverty Level. Many Florida families earning up to 400% of the FPL qualify. Call us and we will calculate your eligibility for free.
Can I keep my current doctor?
It depends on the plan network. When we shop plans for you, we check that your preferred doctors and hospitals are in-network before recommending any option.
What is the difference between a deductible and an out-of-pocket maximum?
Your deductible is the amount you pay before insurance starts sharing costs. Your out-of-pocket maximum is the most you will ever pay in a plan year — after that, insurance covers 100% of covered services.
Is your service really free?
Yes, completely. We are licensed independent brokers compensated by the insurance carriers. You pay the same premium whether you enroll through us or directly — but with us, you get expert guidance at no extra cost.
Find the Right Plan for Your Family Today
Call us for a free, no-obligation consultation. We'll compare plans from Florida's top carriers and find the coverage that fits your family's needs and budget.
Call 1-561-688-7300 — Free Quote