Premium subsidies are available for incomes between 100% and 400% of the federal poverty level; you can check your eligibility on the Health Insurance Marketplace. During the Free Consultation, we can give you a quick estimate of what your monthly premiums will be.

You should choose the Bronze or Silver plans if you need to save money, or the Gold or Platinum plans if you have a larger budget and expect to need frequent healthcare services.

Yes. During the Free Consultation, provide us with the name of the doctor you want to see. Then we will do our best to ensure that your preferred doctors and hospitals are in-network to avoid high out-of-pocket costs.

Choose a plan that effectively covers your medication requirements. If you are unsure which plan to choose, you can schedule a free consultation call with one of our experts below.

For more detailed information and personalized assistance, schedule an appointment with me today. I can guide you through the process, help you understand your options, and ensure you find a plan that meets your needs and budget.

Schedule an appointment now to get started on securing your health insurance coverage.

If you liked the quote and we answered all of your questions;

Now you are ready to apply.

Click here to submit the information we need.

If you are one of our clients, we can retrieve it for you.

If not then;

1. Contact Florida Marketplace

800-318-2596

2. Ask for the info in Section 3 on form 1095-A

3. Write down the amount for each month they give.

If you are one of our clients, we can retrieve it for you.

The Affordable Care Act (ACA), also known as Obamacare, is a comprehensive health care reform law enacted in March 2010. It aims to make affordable health insurance available to more people, expand the Medicaid program, and support innovative medical care delivery methods to lower health care costs. Under the ACA, millions of previously uninsured individuals now have access to quality health care.

To be eligible to enroll in health coverage through the Health Insurance Marketplace, you must:

• Live in the United States

• Be a U.S. citizen or national (or be lawfully present)

• Not be incarcerated

There is no income limit to use the Health Insurance Marketplace. Special patient protections under the ACA ensure that insurers cannot refuse coverage based on gender or a pre-existing condition, there are no lifetime or annual limits on essential health benefits, and young adults can stay on their family's insurance plan until age 26.

The Health Insurance Marketplace offers a range of plans categorized into four tiers:

• Bronze--- you pay lower premiums but higher costs when you need care

• Silver-- affordable premiums and affordable out-of-pocket

• Gold-- good if you expect to need frequent care

• Platinum-- highest premiums but lowest out-of-pocket costs

Each tier represents a different level of cost-sharing.

Bronze Plans

• Lowest premiums

• Highest out-of-pocket costs

• Suitable if you want to pay lower premiums but higher costs when you need care

Silver Plans

• Moderate premiums

• Moderate out-of-pocket costs

• Eligible for extra savings if you qualify for cost-sharing reductions

Gold Plans

• High premiums

• Low out-of-pocket costs

• Ideal if you expect to need frequent care

Platinum Plans

• Highest premiums

• Lowest out-of-pocket costs

• Best if you need a lot of care and can afford higher monthly premiums

Preferred Provider Organization (PPO) Plans

PPO plans offer flexibility in choosing healthcare providers. You can see any in-network provider without a referral, but out-of-network care will cost more.

Health Maintenance Organization (HMO) Plans

HMO plans require you to use in-network providers and get referrals from a primary care physician. These plans typically have lower premiums and out-of-pocket costs.

Point-of-Service (POS) Plans

POS plans combine features of HMO and PPO plans. You need a referral from a primary care physician to see specialists, but you can receive care out-of-network at higher costs.

Exclusive Provider Organization (EPO) Plans

EPO plans only cover in-network care except in emergencies. No referrals are needed to see specialists, making them more flexible than HMOs but without out-of-network benefits.