Health Insurance
Start your quoteHealth insurance helps cover the cost of medical care, from routine visits to major procedures. Options vary widely depending on your age, income, and whether coverage comes through an employer, the ACA marketplace, or a private plan. We help households across Florida sort through those options and find a fit.
What's covered
Tap any item to see what it means in plain language.
Doctor visits & preventive care
Routine checkups, screenings, and prescription drugs, with the specifics depending on the plan you pick.
Hospitalization & emergency care
The big-ticket protection. Hospital stays and ER visits are where uninsured medical bills do the most damage.
Specialists & mental health
Specialist care, and on many plans, mental health services. Network rules decide which providers count, so this is worth checking before choosing a plan.
Marketplace subsidies
ACA marketplace plans may qualify for premium subsidies based on your household income, which can change what you actually pay by a lot.
What's not covered
Out-of-network care
Seeing a provider outside your plan's network usually means paying much more, or everything, unless the plan carries an out-of-network benefit.
Elective procedures
Most plans only cover care that's deemed medically necessary. Purely elective procedures typically aren't.
Long-term care
Extended nursing home or in-home care needs its own separate policy. Health insurance doesn't cover it.
Coverage outside enrollment windows
Miss the open enrollment window and you generally wait for the next one, unless a qualifying life event like a move, marriage, or job change opens a special window.
Good to know in Florida
- Florida did not expand Medicaid, which affects who qualifies for lower-cost coverage and where the income cutoffs fall.
- Marketplace open enrollment runs on a fixed annual window. Missing it usually means waiting for the next one unless you have a qualifying life event.
How our quoting works
We shop it around
We start by learning about your household, your budget, and what kind of coverage you're after, then help you compare the options that fit. Because health plans and enrollment rules change from year to year, we keep the conversation in plain language and focused on your specific situation rather than a one-size answer.
Helpful to have handy
- Ages of everyone who needs coverage
- Your ZIP code
- Estimated household income, which determines marketplace subsidies
- Doctors you want to keep and medications you take, so we can check networks
Don't have all of it? Start anyway. We'll work with what you have.
Frequently asked questions
When can I enroll in a health insurance plan?
Marketplace plans have a fixed annual open enrollment window. Outside that window, you can typically only enroll if you have a qualifying life event, like a move, marriage, or loss of other coverage.
Does Florida offer expanded Medicaid coverage?
No. Florida has not expanded Medicaid, which affects income eligibility cutoffs compared to states that have. We can help you understand what that means for your household's options.