Marketplace (healthcare.gov)
ACA subsidies, all metal tiers (Bronze through Platinum), available to most income levels. Annual Open Enrollment Nov–Jan, plus Special Enrollment after life events.
Discuss thisMarketplace, private, short-term, dental and supplemental plans — compared side by side, with your in-network list checked first.
Most clients overweight the monthly premium and underweight the in-network specialist list.
Before we compare plans, we make a short list of the doctors and pharmacies you actually use. We then filter every quote by that list. A cheaper plan that drops your endocrinologist isn’t cheaper — it’s just smaller.
Most South Florida families end up with one primary plan plus one supplement. We’ll walk through both.
ACA subsidies, all metal tiers (Bronze through Platinum), available to most income levels. Annual Open Enrollment Nov–Jan, plus Special Enrollment after life events.
Discuss thisOff-exchange plans from carriers like Florida Blue, Aetna, Cigna and UnitedHealthcare. Useful when subsidies don’t apply or networks are better.
Discuss thisBridge coverage for 1–12 months between jobs or while waiting for Open Enrollment. Cheaper, but not ACA-compliant — we’ll explain the trade-offs.
Discuss thisStandalone or bundled. Often the most overlooked category — and the easiest one to add cheaply to an existing plan.
Discuss thisOnly if you switch to a plan whose network excludes them. We check that before recommending any switch.
If your household income is roughly 100–400% of the Federal Poverty Level, you may qualify for a premium tax credit. We calculate the exact amount during the call.
The deductible is what you pay before insurance starts contributing; the out-of-pocket max is the most you’ll pay in a year. The second number is more important than the first.
No. Independent agents are paid by the carrier — never by you.
Yes. We’ll quote the whole family and compare bundled vs. separate plans — sometimes one is materially cheaper.
We deliver a one-page side-by-side comparison of the top three plans for your family. Premium, deductible, network, drug formulary — all in one view.