ACA Health Insurance Calculator | Florida insurance agents

HEALTH

DENTAL

MEDICARE

DISABILITY

LIFE

Schedule For 2025
Affordable Care Act Enrollment

Affordable Care Act open enrollment for 2025 plans began November 1, 2024 and ends January 18, 2025 (extended from January 15)
on the Federal Facilitated Marketplace (https://www.healthcare.gov)

You DO NOT need a Qualifying Life Event to qualify.
There are no pre-existing condition limitations.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.

2025 Annual Enrollment Period For Medicare Beneficiaries

The Annual Enrollment Period (AEP) for enrolling in plans effective January 1, 2025 has ended. The AEP runs from October 15 to December 7 annually.

Enrollment in a Medicare Advantage, Medicare Advantage Prescription Drug, or stand-alone Part D Drug plan can now occur ONLY if a Medicare beneficiary is eligible for another election period [e.g., the Individual/Individual Coverage Election Period (ICP or ICEP)] when first becoming eligible for Medicare; a Special Election Period (for those who experience qualifying life events like an involuntary termination of their existing plan, moving outside of the plan’s service area, losing or becoming entitled to Medicare or Extra Help, declaration of a weather related emergency, etc.), or the Open Enrollment Period. Except for individuals desiring to enroll in a Chronic Special Needs Plan, there are no health questions to qualify.

Medicare beneficiaries can enroll in a Medicare Supplement plan within 6 months of their Part A and B effective dates without answering health questions. Generally, individuals with Medicare Supplement plans can change plans at any time but in many cases will need to answer health questions to qualify. Individuals with Medicare Advantage plans can enroll in Medicare Supplement plans during the Annual Enrollment Period or Open Enrollment Periods but in most cases will have to answer health questions. There are special rules for individuals with “trial rights” or eligibility for guaranteed issue policies that don’t require answering health questions.

Call us at 561-734-3884 or 877-734-3884 (TTY: 711) for details.

Request An Affordable Care Act Quote!

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

We offer association group health insurance plans

to those who can qualify and are looking for less expensive alternatives to Affordable Care Act plans.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis.

We offer short-term health insurance policies

for those who are looking for coverage for a maximum of four months.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare-eligibles. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare-eligibles section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

First Name
Last Name
Street Address
State
County of Residence
Zip Code
Phone
Email
Gender	Male Female
Smoker?	Yes No Smoking is defined as smoking four or more cigarettes per week within the last six months
Date of Birth

Calculating: Complete Next Step

Do you have a spouse?	Yes No
Spouse Name
Gender	Male Female
Smoker?	Yes No
Date of Birth
Include Spouse in Quote?	Yes No

Do you have children?	Yes No
Child 1
Full Name
Gender	Male Female
Smoker?	Yes No
Date of Birth
Include Child in Quote?	Yes No
Child 2
Full Name
Gender	Male Female
Smoker?	Yes No
Date of Birth
Include Child in Quote?	Yes No
Child 3
Full Name
Gender	Male Female
Smoker?	Yes No
Date of Birth
Include Child in Quote?	Yes No
Child 4
Full Name
Gender	Male Female
Smoker?	Yes No
Date of Birth
Include Child in Quote?	Yes No
Child 5
Full Name
Gender	Male Female
Smoker?	Yes No
Date of Birth
Include Child in Quote?	Yes No


Calculating: Complete Next Step

Estimated *2025 Yearly Income $
• See this video (which is still current and applicable) for help in determining how to project your income for purposes of calculating a subsidy.
*Household Size in 2025
• If you’re married, you must file a joint tax return if you receive a subsidy. You must project income for all of 2025 and include income for all family members who will be listed on the 2025 tax return. Income is based on modified adjusted gross income. • If any child files a tax return that child cannot be included in the quote and income for that child should not be included in the income projection.
Type of Plan Desired

Comments*
*Enter None if none. Otherwise, enter information such as name of preferred carrier; preferrred type of network (e.g. PPO, EPO, or HMO); names and dosages of any medications required to be covered under the plan; name, location, and practice of any required provider; or any other special circumstances or coverages that must be considered. Note: Affordable Care Act plans do not permit pre-existing condition limitations.
Are All Persons Requested To Be Quoted Legal U.S. Residents? Yes No
Explain Resident Status
How did you hear about us?

Calculating: Complete Next Step

ACA Health Insurance Plans Calculator

Required Consent Agreement And Permission To Contact