ACA / Obamacare
Marketplace health insurance for individuals and families.
Independent comparisons across every carrier on the Florida exchange — with subsidy and tax-credit eligibility figured out before we quote.
What is ACA / Obamacare?
The Affordable Care Act (ACA) — sometimes called Obamacare — is the federal Marketplace where people under 65 can buy private health insurance, often at a heavily subsidized rate.
Plans are organized into Bronze, Silver, Gold, and Platinum tiers, each balancing monthly premium against deductibles and out-of-pocket maximums. We help you pick the tier that fits how you actually use care.
Who qualifies
- Individuals and families under 65 without employer coverage
- Self-employed and 1099 workers
- Anyone who recently lost employer coverage
- Families with mixed-coverage household members
Subsidies & tax credits
Most South Florida households qualify for a Premium Tax Credit that lowers — sometimes eliminates — the monthly premium. The amount depends on household income, family size, and the second-lowest-cost Silver plan in your area.
We calculate your exact subsidy before quoting, so the price you see is the price you actually pay.
When you can enroll
Coverage starts as early as January 1.
Loss of coverage, moving, marriage, new baby, and more.
What we'll do for you
- Calculate your subsidy and tax-credit eligibility
- Compare every carrier available in your zip code
- Verify your doctors and specialists are in-network
- Check your medications against the plan's drug formulary
- Handle the application and re-check every Open Enrollment
ACA questions, answered
Who ACA / Obamacare is for
Marketplace coverage is built for people who buy their own health insurance rather than getting it through an employer.
Key enrollment dates
There are two ways to sign up — the yearly window, and a special window opened by a life change.
How we help
From your first questions through each year's renewal, we handle the details for you.