ACA marketplace plans and Medicare, placed by an agent who is Federally Facilitated Marketplace certified for the current plan year. That certification is what an agent is required to hold to enrol anyone in a marketplace plan.
Using an agent costs you nothing. Marketplace premiums are set by the carrier and filed with the state; they are the same whether you enrol on your own or we do it together.
Most people who buy their own health cover in Florida qualify for a premium tax credit, and most people underestimate it. Eligibility turns on household income relative to the federal poverty level and on the county you live in, and the second one surprises people who have just moved.
We run the subsidy calculation before comparing plans, because the net price after the credit frequently reorders which plan is actually cheapest.
Marketplace enrolment normally runs in a fixed window each autumn for coverage starting in January. Outside it you generally need a qualifying life event: losing other coverage, moving, marriage, a birth, or a change in household income.
Losing employer coverage is the common one, and it opens a limited window rather than an indefinite one. If that has just happened, it is worth a call the same week.
Advantage plans, supplements and prescription drug cover. Availability and networks are set county by county and change annually, so a plan that worked elsewhere may not exist here, and a plan that worked here last year may have changed its network.
For anyone approaching sixty five, the enrolment window around the birthday carries permanent penalties if it is missed. That is worth getting right the first time.
Health cover is where the language of the conversation matters most, because the entire decision is about words like deductible, network and formulary. Every part of this can be done in Spanish, including the enrolment itself and the follow up when a claim goes wrong.
Flood zone, county taxes and insurance in about a minute. No account needed to start.