Licensed agent serving Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale and all of Florida • Updated March 2026
Florida has the highest ACA marketplace enrollment in the country — over 3 million people. If you're one of them — or if you're paying too much — I can help.
Call now for a free, no-obligation quote. I'll check what you qualify for in 60 seconds.
📞 (239) 688-3707Licensed in Florida • Free service • No obligation
Florida has NOT expanded Medicaid. Here are your options:
The best option for most people. Full comprehensive coverage — doctors, hospital, prescriptions, mental health, preventive care. With subsidies, many Florida residents pay $0/month.
| Your Income | Estimated Monthly Premium in FL |
|---|---|
| Under $20,000 | $0 (Medicaid) |
| $20,000 – $30,000 | $0 – $30/month |
| $30,000 – $45,000 | $0 – $100/month |
| $45,000 – $60,000 | $50 – $200/month |
Need coverage NOW? Limited medical plans start immediately — no enrollment window. Basic coverage for doctor visits, some hospital costs. $50–$200/month. Good as a bridge until ACA enrollment.
Supplemental plans pay cash for accidents, critical illness, and hospital stays. $15–$75/month. Great paired with ACA or limited medical for extra protection.
Many Florida residents qualify for ACA plans with $0 monthly premiums through government subsidies. If you earn $20,000-$60,000/year, you likely qualify for significant help. The exact cost depends on your income, age, and ZIP code.
If you have a qualifying life event (lost coverage, turned 26, moved, got married, had a baby), you can enroll immediately. Otherwise, open enrollment runs November through January. Limited medical plans are available year-round.
In Florida, you can choose from ACA marketplace plans (comprehensive coverage with subsidies), limited medical plans (basic coverage, enroll anytime), and supplemental insurance (accident, critical illness). Florida has NOT expanded Medicaid.
If your income is between $20,000-$60,000/year, you likely qualify for ACA subsidies that can reduce your premium to $0. If your income is below ~$20,000, you may qualify for Medicaid. I can check your eligibility in 60 seconds.
I help people in Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale and every other city in Florida. Phone consultations mean I can help you no matter where you are in the state.
Ready to check your options?