Health insurance for Floridians who buy their own.
Left a job, work for yourself, or retired before 65? We compare every plan in your county, check your subsidy and handle the enrollment. Our help costs you nothing.
Plans we compare from 15+ carriers
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Family COBRA can run past $1,800 a month. Clients who switch save an average of $4,200 a year, often with the same doctors.
Compare COBRA alternatives
Retired before 65
Bridge the years to Medicare without draining savings.
Early retiree options
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Self-employed plansPriced out of the Marketplace
Just over the subsidy cliff? Off-Marketplace and private plans can cost far less.
Non-ACA optionsNo employer coverage
Part-time, contract or small-company job? Here’s every option in the Florida market.
Read the Florida guideA big life change
Divorce, a move, turning 26 or losing Medicaid opens a 60-day window. Don’t let it close.
Talk to an agent
The same premium as going direct. A lot more help.
Healthcare.gov shows you Marketplace plans and leaves the rest to you. We put every option side by side, check the details that cost people money, and stay on call after you enroll.
From first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks plans from 15+ carriers for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we file the paperwork, then stay with you for renewals and claims.
We handle the paperwork
What happens when someone checks the math.
When my company downsized, COBRA was going to cost me $1,640 a month. They found me a comparable plan for under $600. I didn’t know that was possible.
I’d been uninsured for two years because I thought I couldn’t afford it. My agent showed me a subsidy I didn’t know existed. Now I have a solid Silver plan for $185 a month.
We retired at 60 and were terrified about the gap before Medicare. They walked us through every option, kept our doctors in network and handled the enrollment.
Individual results vary by age, income, county and plan.
Straight answers before you call.
More in our full Florida FAQ, or ask an agent directly at (888) 214-4898.
Floridians without employer coverage can choose from ACA Marketplace plans (often with subsidies), private plans bought directly from carriers like Florida Blue or Ambetter, short-term health insurance, health care sharing programs, and COBRA if you recently left a job. A licensed agent can compare all of them against your budget, your doctors and your prescriptions.
It depends on age, county, plan type and tobacco use. In Collier County, for example, benchmark Silver plans run roughly $450 to $850 a month before subsidies. Many people qualify for premium tax credits that bring that down significantly. Bronze plans cost less each month; Gold and Platinum cost more but cover more.
Yes, if you have a qualifying life event such as losing employer coverage, marriage or divorce, having a baby, moving, or losing Medicaid. That opens a 60-day Special Enrollment Period. Short-term plans can also be bought year-round without a qualifying event.
You pay the same premium either way. Carriers pay agents, so our help is free to you. The difference is that we compare Marketplace plans alongside private and short-term options, verify your doctors and medications, calculate your subsidy, and stay with you after enrollment for claims, billing and renewals.
All of Florida. We help individuals and families in all 67 counties, from Pensacola to Key West. Carriers, networks and prices differ by county, so every quote is based on your ZIP code.
See what you'd actually pay.
A licensed Florida agent will compare plans from every carrier in your county, check your subsidy, and walk you through the options. No cost, no obligation.
Mon–Fri 8 AM–6 PM, Sat 9 AM–1 PM ET. Most calls answered in under a minute.
Call an agent