Effective date: June 11, 2026. By using this website or our brokerage services, you agree to the terms below.
Affordable Access Health provides health insurance brokerage services in Florida, operated by Victor Oliveira, a licensed health insurance broker based in Fort Lauderdale. We help individuals and families compare plans, check subsidy eligibility, and enroll in coverage - including ACA marketplace, dental, and vision plans.
Our services are free to you. We are compensated by insurance carriers when you enroll in a plan through us. Your premium is exactly the same whether you enroll through us, directly with a carrier, or through the federal marketplace.
Affordable Access Health is not the Health Insurance Marketplace and is not affiliated with or endorsed by the U.S. government or the federal Health Insurance Marketplace. We offer enrollment assistance as a licensed broker. To see all available marketplace options, or to enroll directly with the federal marketplace, visit healthcare.gov or call 1-800-318-2596.
Any plan details, premium estimates, or subsidy amounts discussed with us or shown through quoting tools are estimates only. Final eligibility, premiums, subsidies, and coverage decisions are determined solely by the Health Insurance Marketplace and the insurance carriers - not by Affordable Access Health. Submitting a quote request or application does not guarantee that coverage will be issued.
Information on this website and guidance provided during enrollment is for general informational purposes. It is not tax advice, legal advice, or medical advice. Premium tax credits affect your federal tax return - consult a qualified tax professional about your specific situation. Consult a licensed attorney or medical professional for legal or medical questions.
We work to keep the information on this site accurate and current, but health insurance rules, subsidy amounts, and plan availability change frequently. Content is provided "as is" without warranties of any kind. Deadlines and figures cited in articles reflect the date they were published.
This site links to third-party websites, including the HealthSherpa enrollment platform and healthcare.gov. We are not responsible for the content, accuracy, or practices of third-party sites. Your use of those sites is governed by their own terms and privacy policies.
All content on this website - text, guides, graphics, and branding - is the property of Affordable Access Health and is protected by applicable copyright and trademark law. You may not reproduce or republish this content for commercial purposes without written permission.
To the fullest extent permitted by law, Affordable Access Health and Victor Oliveira shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of this website or our services, including decisions made based on information provided here. Our total liability for any claim shall not exceed the amount you paid us for services - which, because our services are free to you, is zero.
These terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute arising under these terms shall be resolved in the state or federal courts located in Broward County, Florida.
We may update these terms from time to time. The current version, with its effective date, will always be posted on this page. Continued use of the site after changes constitutes acceptance.
Questions about these terms? Contact Victor Oliveira at victor@affordableaccesshealth.com or (954) 641-2147.