Florida Health Insurance, Answered in Plain English.
The questions we get every week from Floridians shopping private health plans.
FL Coverage FAQsFlorida Health Insurance,
Answered in Plain English.
The questions we get every week from Floridians — subsidies, the Medicaid gap, snowbird coverage, and how we get paid.
Yes. We are a licensed Florida insurance agency and we are paid commissions directly by the carriers when you enroll in a plan. You will never pay HealthFinder Hubs for our service, and you will not pay more for a plan by going through us than by going direct to Florida Blue, Ambetter, or any other carrier.
Healthcare.gov only shows ACA marketplace plans. We shop both the federal marketplace AND off-exchange plans — sometimes a Florida Blue or UnitedHealthcare off-exchange product has a broader network or better fit than what's on Healthcare.gov. Plus you talk to one Florida-licensed advisor, not a call center.
Especially then. Floridians above the subsidy cliff (roughly $60K single / $124K family) often pay less and get better networks on off-marketplace plans, level-funded small-group products, or short-term bridges. That's exactly where Healthcare.gov falls short and where we earn our keep.
Florida did not expand Medicaid, so adults earning between 0–100% of the federal poverty level may not qualify for Medicaid OR ACA subsidies. We help these clients find indemnity plans, short-term bridges, or community-care options until your income or situation changes.
Often yes. Multi-state PPO plans through carriers like UnitedHealthcare, Aetna, and Cigna can give you in-network access in both Florida and your northern state. We confirm both states' provider directories before you enroll.
Yes — if you have a Qualifying Life Event (lost coverage, moved, got married/divorced, had a baby, aged off a parent's plan at 26, etc.) you have a 60-day Special Enrollment Period. We file the documentation and get you covered fast. Off-marketplace, short-term, dental, vision, and supplemental are available year-round with no SEP needed.
Yes — Florida businesses with 2 to 50 employees. We compare traditional small-group, level-funded, and ICHRA reimbursement designs. We handle FL Department of Insurance compliance paperwork, employee onboarding sessions, and annual renewal reviews.