ACA marketplace plans, supplemental coverage, short-term medical, and dental/vision. I help you compare carriers in plain English. Open enrollment and special enrollment periods.
Plain English, no pressure, multiple carriers — and I actually answer the phone.
Florida Blue, UnitedHealthcare, Cigna, Aetna, Ambetter, Oscar — I compare across all of them at the same time.
If you qualify for ACA premium tax credits or cost-sharing reductions, I'll make sure you actually get them — not just told 'go to healthcare.gov.'
Lost coverage? Got married? Had a baby? Moved to FL? You qualify for a Special Enrollment Period — let's check before the window closes.
Inglés y Español.
Three steps. I do the research, you make the decision.
Household size, income range, current coverage status, any specific doctors you need to keep.
Same day, I compare carrier networks, deductibles, prescription coverage, and out-of-pocket maximums for your situation.
Pick what fits. I help with the application — including subsidy calc and SEP documentation if relevant.
Takes 30 seconds. Opens your email — review and send. I'll reach out same day.
November 1 through January 15 each year for plans starting January 1. Outside that window, you need a Special Enrollment Period (SEP) qualifier — losing coverage, marriage, baby, moving to FL, etc.
Life events that let you enroll outside open enrollment: lost job-based coverage, got married/divorced, had a baby, moved to a new ZIP, aged off a parent's plan, etc. Most SEPs give you 60 days to enroll.
Maybe — depends on which plan you pick and what network they're in. Tell me which doctors/hospitals you need to keep, and I'll check carrier networks before you commit.
No — independent, multi-carrier. I compare across everyone serving Florida.
No. I'm paid by the carrier you choose, just like every other licensed agent. Pricing is identical whether you go through me or directly to the carrier.