Full major-medical coverage through the Health Insurance Marketplace - with subsidies that can bring qualifying households to $0/month. Free enrollment help from a licensed local broker.
ACA marketplace plans are the only individual plans that must cover pre-existing conditions, and they're the only plans eligible for federal premium subsidies. Households earning 100%–400% of the Federal Poverty Level qualify for help in 2026, and many lower-income households can still find $0/month bronze plans.
The Health Insurance Marketplace (often called "Obamacare") is where individuals and families buy major-medical coverage if they don't get insurance through an employer, Medicare, or Medicaid. Every marketplace plan covers the 10 essential health benefits - including doctor visits, hospitalization, emergency care, prescriptions, maternity, and mental health - and no plan can deny you or charge you more for a pre-existing condition.
Florida is the largest marketplace state in the country, with roughly 4.7 million enrollees - so carriers compete hard here, and South Florida shoppers typically have plans from 7+ major carriers to compare, including Florida Blue, Ambetter, Aetna, Cigna, Molina, UnitedHealthcare, and Humana.
The enhanced premium tax credits that were in place from 2021–2025 expired on January 1, 2026. Here's what that means in practice:
"The biggest mistake I see in 2026 is people auto-renewing the same plan they had under the old subsidies. The math changed for almost everyone - a 20-minute review can save a family hundreds of dollars a month." — Victor Oliveira, Licensed Health Insurance Broker, Fort Lauderdale
ACA plans come in tiers - bronze, silver, and gold - that trade off monthly premium against how much you pay when you actually use care. Bronze has the lowest premium (and is where many lower-income households find a $0 option), while higher tiers cost more per month but cover more of each bill.
The right choice depends on your income, your prescriptions, and how often you see a doctor - and if your income is under roughly 200% of the poverty level, a silver plan's cost-sharing reductions can sometimes save more over the year than a $0 bronze plan. Rather than guess from a generic chart, Victor reviews your exact situation and shows you the real numbers for every plan available to you - for free.
Victor reviews your household income, the doctors you want to keep, and your prescriptions - then compares every available plan across 7+ carriers and handles the marketplace paperwork. The service is free (brokers are paid by carriers, and your plan price is identical either way), and support continues all year, not just at signup. He works in English and Portuguese.
Check your subsidy eligibility and compare plans online, or talk it through with Victor directly - both are free.
It depends on income, age, household size, and county. Households at 100%–400% FPL get premium tax credits, and many lower-income households still qualify for $0/month bronze plans. Since average premiums rose sharply after the enhanced subsidies expired, comparing all plans matters more than ever.
Open Enrollment for 2027 plans runs November 1, 2026 – January 15, 2027. Outside that window, you need a qualifying life event, which opens a 60-day Special Enrollment Period.
No - plans cost exactly the same through a broker, healthcare.gov, or the carrier. The carrier pays the broker; your price doesn't change.