Bronze
Lowest premium, highest deductible. Best for healthy individuals who use care infrequently and want catastrophic protection.
Discuss thisFree, licensed help with subsidy calculation, plan comparison, and enrollment — in English or Spanish, across South Florida.
If your household income is 100–400% of the Federal Poverty Level, you likely qualify for a subsidy.
Many South Florida families pay $400–$800 a month less than the healthcare.gov sticker price because of these tax credits. The catch: you have to calculate your projected income honestly and enroll inside the right window. We do both with you — for free — at the kitchen table.
The metal tier sets the premium-to-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.
Discuss thisThe sweet spot for most subsidized families. Cost-sharing reductions (CSRs) can dramatically lower deductibles if income qualifies.
Discuss thisHigher premium, lower deductible. Best for families with predictable medical needs — chronic conditions, regular specialists, multiple kids.
Discuss thisHighest premium, lowest deductible. Rarely the right choice unless usage is heavy and subsidy is small — we’ll tell you if it is.
Discuss thisNovember 1 through January 15 every year, for coverage starting January 1 or February 1. Outside that window, you need a Special Enrollment Period.
Job loss triggers a 60-day Special Enrollment Period. Don’t wait — call us the day you know, and we’ll have coverage active before the gap.
Most South Florida households between 100% and 400% of the Federal Poverty Level do — that’s roughly $15,000 to $60,000 for an individual or $31,000 to $120,000 for a family of four. We calculate the exact figure during the call.
Yes, after a qualifying life event (marriage, birth, adoption). Otherwise we add them at the next Open Enrollment.
No. We’re paid by the carriers when you enroll — the same premium you’d pay direct on healthcare.gov.
We calculate your premium tax credit during the conversation, then compare the top three plans across your in-network doctors. Twenty minutes, one decision, $0 to us.