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Our job is not to sell insurance; it’s to help our clients make an educated decision about their health insurance options.

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    ACA, Major Medical, and Short-Term Health Insurance

    //ACA aka Obama Care

    What is the Affordable Care Act (ACA)?

    If you're looking for ACA health insurance in Florida, you have several options depending on your income, household size, and current coverage situation. The Affordable Care Act (ACA) is the name of the health care reform law and its amendments, which address health insurance coverage, costs, and preventive care. The Affordable Care Act is often referred to as Obamacare since it was signed into law in March 2010 by President Barack Obama. Obamacare, or the Affordable Care Act (ACA), is a law in the U.S. that helps more people get health insurance and makes sure that insurance covers important things like check-ups and prescriptions. It also stops insurance companies from refusing coverage to people with pre-existing conditions, like diabetes or asthma. And if you’re a young adult, you can stay on your parents’ insurance until you’re 26, giving you peace of mind as you navigate early adulthood.

    There are online marketplaces where you can compare different options and find one that fits your budget, but we encourage you to contact us as your health insurance broker and choose the best plan for your needs. Plus, depending on your income, you may qualify for financial assistance to lower your monthly premiums.

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    Who's Eligible for Coverage?

    To be eligible to enroll in a Marketplace plan, you must qualify.

    However, even if you meet the above eligibility criteria, you’re not eligible to get a Marketplace plan if you’re eligible for Medicare or Medicaid coverage.

      • Be a U.S. citizen, national/lawfully present
      • Have income above 100% of the federal poverty level
      • Live in the U.S. & Not be incarcerated

    Factors to Compare Between Plans

    Look at each plan’s network and determine if your preferred providers are in-network. If your doctor is not in-network with a plan you are considering but you want to continue to see them, you may want to consider a different plan. You can always ask your doctor directly if they take the health plan you’re considering. If you don’t have any preferred providers, look for plans with large networks and doctors near you, or contact us as your health insurance broker and we can find one for you.

    Examine the out-of-pocket cost differences between plans, including the deductible, copayments, and coinsurance of each plan. While a low premium can be appealing, it may lead to higher out-of-pocket costs, especially if you have a chronic condition or frequently need emergency care or extra visits with a doctor. However, if you know you’re in good health and don’t often need medical care, paying a higher premium may not be the right fit for you. Balance cost and coverage according to your financial and medical needs.

    While benefits are not often as important as a factor as network and cost are, it can be helpful in narrowing down your options. Compare the summary of benefits for each plan option you’re considering. See if any of your plans offers a wider range of services, like coverage for mental health care, fertility treatments or emergency coverage. If so, you’ll want to choose the plan with the benefits that help you and your family the most. Please contact us as your health insurance broker to assist you with your decision should you need it.

    What are the Four “Metal” Categories?

    Plans on the Health Insurance Marketplace are presented in four metal categories: All metal plans cover the same set of essential health benefits and do not affect the quality of care you’ll receive. The categories are based on how you and the plan will share the costs for health care services.

    Platinum plans generally have the highest premiums but the lowest costs when receiving care. These plans are a good choice if you need a lot of care and can afford a high monthly premium.

    Gold plans have a high premium and low costs when receiving care. These plans are a good choice if you need a lot of care.

    Silver plans have a moderate premium and cost when receiving care. If you qualify for cost-sharing reductions, you must select a Silver plan to get the “extra savings.” These plans are a good choice if you’re willing to pay more for your care to have a lower premium, or if you qualify for extra savings..

    Bronze plans typically have the lowest premiums but the highest deductibles and other out-of-pocket costs. These plans are a good choice if you want peace-of-mind protection from worst-case medical issues.

    When can you enroll or make plan changes?

    Can you change outside of these dates?

    You may still be able to enroll in an ACA health plan outside of the Open Enrollment Period if you qualify for a Special Enrollment Period (SEP). SEPs are triggered by certain life events, such as getting married, having a baby, losing other health coverage, or moving to a new county or state. In addition, households with income at or below 150% of the federal poverty level may qualify for a year-round Special Enrollment Period, as long as they’re eligible for a $0 premium Marketplace plan. Eligibility is determined by the Marketplace and may require income verification. To learn more about your enrollment options, or to get help comparing plans, you can consult a licensed health insurance broker for personalized guidance.

    Short Term Medical Plans

    //Short Term Medical

    What is Short Term Medical?

    Short-term medical insurance is a type of temporary health coverage designed for people who are generally healthy and need insurance for a limited period of time. These plans are often used by individuals who don’t qualify for ACA subsidies and would otherwise need to pay full price for Marketplace coverage.

    Short-term plans typically offer lower monthly premiums and help protect against unexpected medical expenses such as emergency room visits, hospital stays, or surgeries. Coverage is intended as a short-term solution, not a long-term replacement for ACA or employer-sponsored insurance.

    Short-term medical insurance is commonly used during life transitions — such as between jobs, after missing Open Enrollment, or while waiting for new coverage (like employer insurance or Medicare) to begin. Many people choose to enhance this coverage by adding optional accident or hospital indemnity riders for additional financial protection.

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    Who is Short Term Medical Right for?

    Short-term medical insurance may be a good fit if you:

      • Need temporary coverage during a transition period
      • Are generally healthy with no ongoing medical conditions
      • Want a lower-cost option compared to full-price ACA plans
      • ⚠️ Understand the plan is not ACA-compliant
      • ⚠️ Are comfortable with limited benefits and underwriting
      • ➕ May want to add accident or hospital riders for extra protection

    Short-term plans are not suitable for everyone, especially individuals who need comprehensive coverage, ongoing care, or protection for pre-existing conditions. Comparing short-term medical insurance with ACA plans can help determine which option best fits your health needs, budget, and timing.

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