Coverage Types

Every Florida Coverage Need, One Agency

Browse the categories we shop, then talk to a Florida-licensed advisor to pick the right carrier, tier, and network.

Coverage Types

Every Florida Coverage Need,
Compared in One Place

From Miami self-employed creatives to Tampa families to The Villages pre-Medicare retirees — HealthFinder Hubs matches you with the right Florida carrier and the right plan tier.

Individual Health Insurance

ACA and off-marketplace plans for self-employed Floridians, freelancers, and adults between jobs. We shop Florida Blue, Ambetter, Oscar, UHC, Aetna, and Cigna so you see every plan available in your ZIP — and we apply every subsidy you qualify for.

  • Bronze / Silver / Gold tiers
  • PPO, HMO, and EPO networks
  • ACA premium tax credits
  • Off-marketplace options
  • Pre-Medicare bridge (50–64)
  • Same-day enrollment
Compare Individual Plans

Family Health Plans

Statewide PPO and HMO plans with strong pediatric and maternity benefits — built for Florida households of 2 to 8. We balance premium, deductible, and provider network so your kids' pediatrician and your OB-GYN are both in-network from day one.

  • Pediatric + maternity included
  • Mental health & wellness
  • Vision + dental for kids
  • Prescription formulary check
  • Tax credits up to $124,800 income
  • Statewide PPO networks
See Family Plans

Dental + Vision

Stand-alone dental and vision from $19/mo — or bundled with your health plan for an extra $28–$45/mo. Most plans cover two cleanings a year at 100% and offer real savings on fillings, crowns, and braces for kids.

  • 2 cleanings/year covered 100%
  • Fillings, crowns, root canals
  • Pediatric orthodontia
  • Annual eye exam + frames
  • LASIK discount network
  • Bundle & save
Quote Dental + Vision

Supplemental Coverage

Critical illness, accident, and hospital indemnity backstops that pay cash directly to you. Built for Floridians on high-deductible plans, self-employed workers without paid sick leave, and active families.

  • Accident cash benefits
  • Critical illness lump sum
  • Hospital indemnity per night
  • ER & ambulance riders
  • Pays on top of health plan
  • No waiting period on most
Add a Safety Net

Small Business & ICHRA

Group health and modern ICHRA solutions for Florida businesses with 2 to 50 employees. We compare traditional group, level-funded, and ICHRA reimbursement designs so your team gets real coverage without breaking budget.

  • Group medical, dental, vision
  • ICHRA reimbursement design
  • Level-funded options
  • Employee onboarding help
  • Annual renewal review
  • FL compliance docs handled
Quote Group Benefits

Snowbird & Seasonal

Coverage built for part-time Floridians, retirees splitting time between FL and the Northeast, and seasonal workers. Multi-state PPO networks, short-term bridges, and pre-Medicare plans for 50–64 year olds.

  • Multi-state PPO networks
  • Short-term bridge plans
  • Pre-Medicare 50–64 bridge
  • Snowbird & seasonal worker fit
  • Year-round SEP guidance
  • ACA + off-exchange compared
Talk to a Snowbird Advisor
Metal Tiers

Bronze, Silver, Gold —
Find Your Florida Fit.

Every ACA plan in Florida falls into one of these tiers. Your advisor runs the math so you pick the tier that wins for your income, household, and how often you actually see a doctor.

Bronze
Bronzelowest monthly cost

Lowest premium, highest deductible — for healthy Floridians

  • Lowest monthly premium
  • Higher deductible (~$7K)
  • HSA-eligible HDHP option
  • Preventive care covered 100%
  • Best for rarely-sick adults
  • Subsidy-eligible
Quote Bronze
Most Enrolled in FL
Silver
Silverbest subsidy value

The balanced FL pick — and where subsidies stretch furthest

  • Balanced premium / deductible
  • Cost-sharing reductions (CSR)
  • Specialist copays $40–$70
  • Strong PPO + HMO options
  • Best for most FL households
  • Highest subsidy leverage
Quote Silver
Gold
Goldrichest benefits

Lower deductible, higher premium — for frequent-care families

  • Low deductible (~$1.5K)
  • Specialist copays $25–$50
  • Best for chronic conditions
  • Best for growing families
  • Maternity & pediatric heavy
  • Includes most prescriptions
Quote Gold