Individual and family ACA Marketplace plans
Every Florida resident can enroll in an Affordable Care Act (ACA) plan during open enrollment (typically November 1 – January 15) or after a qualifying life event such as marriage, a new baby, job loss or moving. Most enrollees qualify for premium tax credits that significantly reduce the monthly cost — sometimes to zero. We'll calculate your subsidy eligibility, compare Bronze/Silver/Gold/Platinum tiers, and make sure your doctors and prescriptions are covered before you enroll.
Short-term and supplemental health
If you're between jobs, waiting for benefits to kick in, or need a stopgap, short-term medical can bridge the gap with affordable premiums and fast approval. Supplemental products like accident, hospital indemnity, critical illness and dental/vision insurance fill the gaps in major medical plans and pay benefits directly to you when you need them most.
Medicare Advantage, Supplement & Part D
Turning 65 — or already on Medicare? We help you compare:
- Medicare Advantage (Part C): All-in-one plans that often include prescription, dental and vision.
- Medicare Supplement (Medigap): Standardized policies that fill the gaps in Original Medicare.
- Part D Prescription Drug Plans: Annual review to ensure your medications stay covered.
Medicare options change every year. We run an annual review for our clients so you never overpay for benefits you're not using — or miss out on plans that better fit your prescriptions and providers.
Why work with an independent agent?
Our health insurance services come at no cost to you — carriers compensate independent agents directly. You get unbiased plan comparisons, ongoing service throughout the year, and a local Tampa Bay team ready to help when claims or billing questions come up.
Frequently asked questions
When can I enroll in an ACA plan?+
Open enrollment is typically November 1 through January 15. Outside that window, you'll need a qualifying life event such as job loss, marriage or moving.
Do you charge a fee for health insurance?+
No. Independent agents are paid directly by the carriers, so you receive the same plan price you'd get going direct — plus personal service.
Can you help with Medicare?+
Yes — we help with Medicare Advantage, Medigap and Part D plan reviews every year so you're never overpaying.