Bronze
Lowest premium, highest deductible. Best for healthy individuals who use care infrequently and want catastrophic protection.
Free, licensed help with subsidy calculation, plan comparison and enrollment, in English or Spanish, anywhere in Florida.
If your household income is 100 to 400 percent of the Federal Poverty Level, you likely qualify for a subsidy.
Many Florida families pay hundreds a month less than the healthcare.gov sticker price because of these tax credits. The catch is that you have to project your income honestly and enrol inside the right window. I do both with you, for free, at the kitchen table.
The metal tier sets the premium against out of pocket trade off. Pick by usage, not by name.
Lowest premium, highest deductible. Best for healthy individuals who use care infrequently and want catastrophic protection.
The sweet spot for most subsidised families. Cost sharing reductions can dramatically lower deductibles if your income qualifies.
Higher premium, lower deductible. Best for families with predictable medical needs: chronic conditions, regular specialists, several children.
Highest premium, lowest deductible. Rarely the right choice unless usage is heavy and the subsidy is small. I will tell you if it is.
Need a specific answer? Text (561) 225-6361.
Open Enrollment runs in the autumn for coverage starting the following year. The exact window is set each year, so confirm the current dates with me before you plan around them. Outside that window you need a Special Enrollment Period.
Job loss triggers a 60 day Special Enrollment Period. Do not wait. Call the day you know and we will have coverage active before the gap.
Most households between 100 and 400 percent of the Federal Poverty Level do. I calculate the exact figure during the call rather than guessing from a table.
Yes, after a qualifying life event such as marriage, birth or adoption. Otherwise we add them at the next Open Enrollment.
No. I am paid by the carriers when you enrol, at the same premium you would pay direct on healthcare.gov.
I calculate your premium tax credit during the conversation, then compare the top three plans across your in network doctors.