For plans through HealthCare.gov, which Florida uses, Open Enrollment starts on November 1 each year, and the deadline for coverage that begins January 1 falls in mid-December. Ask us or check HealthCare.gov for this year’s dates. Outside that window you need a qualifying life event, such as losing other coverage, moving, marriage or a new baby, which usually opens a 60-day Special Enrollment Period.
If you get help paying your premium, the amount is based on your estimated household income for the year. When you file, Form 8962 compares it with your actual income, and you may owe some back or receive more. Because we also prepare taxes, we can help you estimate income realistically.
Before you choose, we check whether your doctors and prescriptions are covered and compare deductibles, copays and the out-of-pocket maximum, not only the monthly premium.
For individuals and families, we line up the plans available to you side by side and explain the differences in English or Spanish.
The plans and prices available to you depend on where you live, who is in your household and your expected income, so we start there.
During Open Enrollment, which for HealthCare.gov plans starts on November 1 each year (ask us or check HealthCare.gov for this year’s deadline), or within a Special Enrollment Period after a qualifying life event.
Losing job-based coverage is a qualifying life event, which usually gives you 60 days to choose a new plan. We compare individual plans with any continuation coverage your employer offers.
Yes, if your actual income ends up higher than your estimate. Form 8962 reconciles it on your tax return. Updating your income during the year when it changes reduces the risk.
Florida has no state penalty for going without coverage, and the federal penalty has been $0 since 2019. Coverage still protects you from large medical bills.
Tell us what to quote and how to reach you. A licensed agent gets back to you with options, in English or Spanish.
Term and permanent life insurance for families and business owners, sized to real numbers.
See coverageGeneral liability, property and workers’ compensation, set up with your payroll in mind.
See coverageHomeowners, condo and renters policies, with the hurricane and flood questions answered up front.
See coverageCall and ask for the insurance team. A licensed agent walks you through the options for your home, car, business, health or family.
(786) 612-5021