Insurance Plans
ACA Health Plans — Under-65 Coverage
Quality, affordable health insurance for individuals and families who aren't yet Medicare-eligible.
If you're under 65 and don't have access to affordable employer coverage, an ACA Marketplace plan may be your best option. Thanks to enhanced subsidies, many individuals and families qualify for plans with significantly reduced premiums — sometimes as low as $0/month.
- Subsidies available based on household income
- Coverage for pre-existing conditions guaranteed
- Open Enrollment runs November 1 – January 15 in Florida
Who Should Consider an ACA Plan?
Early retirees (ages 55–64)
Retired before Medicare eligibility? An ACA plan bridges the gap until you turn 65.
Self-employed individuals
No employer plan? ACA Marketplace plans offer comprehensive coverage with potential premium tax credits.
Those who lost employer coverage
Job loss, divorce, or aging off a parent's plan triggers a Special Enrollment Period to get covered.
Part-time or gig workers
If your employer doesn't offer coverage or it's unaffordable, you may qualify for subsidized Marketplace coverage.
ACA Plan Metal Tiers
Healthy individuals who rarely use medical care and want catastrophic protection only.
Most people — especially those who qualify for Cost-Sharing Reductions (CSR), which are only available on Silver plans.
Those who use medical services regularly and want lower out-of-pocket costs at the time of care.
Those with significant ongoing medical needs who want maximum coverage and minimal cost-sharing.
Enhanced Premium Tax Credits
Under current law, enhanced subsidies are available to individuals and families across a wide income range. Many people who previously didn't qualify for subsidies now find they can get quality coverage at a fraction of the sticker price.
- Subsidies available up to 400% of the Federal Poverty Level — and beyond in some cases
- Cost-Sharing Reductions (CSR) available on Silver plans for lower-income enrollees
- Special Enrollment Periods available for qualifying life events
- Open Enrollment runs November 1 – January 15 each year
Special Enrollment Periods (SEPs)
You don't have to wait for Open Enrollment if you experience a qualifying life event:
Find Out If You Qualify for Subsidized Coverage
Our licensed agents compare every plan available in your area — at no cost to you.