Smart, Affordable Health Insurance in Winter Park & Central Florida
Whether you're buying coverage for yourself, your family, or your team—health insurance doesn't have to be complicated. At Living Tree Financial Group, we help individuals, families, and small businesses across Winter Park and Central Florida find the right plan at the right price.
Our licensed agents walk you through every step—from comparing Affordable Care Act (ACA) plans to setting up group benefits for employees. We're your local partner for clear answers, expert support, and personalized options.
Affordable Coverage
Health Insurance That Fits Your Life & Budget
We offer two main types of support:
- Individual & Family Plans through the federal ACA Marketplace (also known as “Obamacare”)
- Group Health Insurance for Florida businesses looking to offer employee benefits
Our goal? Helping you find affordable, comprehensive coverage—without the stress of going it alone.
Coverage Made Simple
ACA Plans for Individuals & Families
If you’re under 65 and need health coverage, ACA Marketplace plans provide essential benefits like doctor visits, preventive care, prescriptions, and more. Plans are available during Open Enrollment (Nov 1 – Jan 15) and after major life changes (like losing coverage, moving, or having a baby).
Many clients qualify for premium tax credits that reduce monthly costs—and we help you figure out exactly what you’re eligible for.
We guide you through:
- Choosing between
Bronze, Silver, Gold, and Platinum plans
- Understanding
HMO vs PPO provider networks
- Applying through
HealthCare.gov with the correct info
- Comparing plans across trusted Florida insurers like Florida Blue, Ambetter, and UnitedHealthcare
Not sure where to start? Our agents will explain the benefits and costs in plain English, then help you enroll in the best-fit plan.
Health Benefits for Small Businesses
If you run a business with 2 to 50 employees, offering health insurance is a smart way to attract and retain talent. We help Central Florida employers build group plans that work—for the team and the bottom line.
Our group health services include:
01
Setting up HMOs, PPOs, or High-Deductible Health Plans with HSA options
02
Comparing carriers like Aetna, Florida Blue, United, and Humana
03
Managing enrollments and support during the year
04
Adding group dental, vision, and life insurance if desired
We take care of the setup and ongoing admin so you can focus on your business. Whether you're based in Orlando, Winter Park, or nearby areas like Altamonte Springs or Maitland, we’ll help design a benefits package that fits.
Flexible Coverage
Coverage for Families, Self-Employed & Life Transitions
We help people in all kinds of situations—whether you’re raising kids, starting your own business, or between jobs. That includes:
- Family Health Plans: Cover yourself, your children, or your entire household.
- Self-Employed or 1099 Workers: Get the best ACA coverage available and maximize subsidies.
- COBRA Alternatives: If you’ve lost coverage, short-term health plans can help bridge the gap.
- Check our Short-Term Health Insurance options
- Medicaid & CHIP Guidance: If you may qualify for low-income programs like Florida Medicaid or Florida Healthy Kids, we’ll help point you in the right direction.
Whatever your health insurance question, our Winter Park team is ready to help you sort through your choices.
Florida’s Most Trusted Health Insurance Carriers
We work with a wide range of leading health insurance providers, including:
- Florida Blue
- Ambetter
- UnitedHealthcare
- Aetna
- Cigna
- Molina and more
Because we’re independent brokers—not tied to one company—we can give you honest advice based on
your needs, not sales quotas.
Year-Round Help
Annual Enrollment Help & Year-Round Support
Open Enrollment for ACA plans runs from November 1 through January 15 each year—but many clients qualify for Special Enrollment if they’ve experienced a major life event (like job loss, divorce, or aging off a parent’s plan).
During busy enrollment season, our agents are ready to act fast—so you don’t miss important deadlines.
And we don’t disappear after sign-up. If you have a billing issue, need help filing a claim, or want to switch plans mid-year, we’re just a phone call away.
Local and Beyond
Local Help, Nationwide Coverage Options
Based in Winter Park and serving Orange, Osceola, Polk, and surrounding counties, our agents are familiar with local hospitals, networks, and community concerns. We also assist clients in Georgia, North Carolina, and Tennessee—so whether you're local or relocating, we’ve got you covered.
Frequently asked questions
Frequently Asked Questions About Health Insurance
What health insurance plans do you offer in Florida?
We help individuals, families, and small businesses choose from a wide range of health plans, including ACA Marketplace plans (Obamacare), off-exchange private plans, and group insurance options. Our goal is to match you with affordable coverage that fits your medical needs and budget.
Can you help me enroll in an ACA Marketplace plan?
Absolutely. We assist with HealthCare.gov applications, explain subsidy eligibility, and help compare Bronze, Silver, Gold, and Platinum plans. Whether you’re in Orange, Osceola, Polk, or Pasco County—or anywhere in Florida—we’ll walk you through enrollment from start to finish.
When is Open Enrollment for ACA health insurance?
Open Enrollment runs from November 1 to January 15 each year. Outside that window, you may still qualify for a Special Enrollment Period if you’ve had a major life change—like losing coverage, getting married, or having a baby.
Do you work with specific health insurance companies?
Yes. We’re independent brokers, so we can offer plans from leading Florida carriers like Florida Blue, Ambetter, Cigna, Aetna, and more. That gives you more flexibility to find the best plan for your situation.
Can I get health insurance if I missed Open Enrollment?
You might still qualify for a Special Enrollment Period, or we can look at temporary solutions like short-term health insurance. Contact us, and we’ll go over your options.
What’s the difference between HMO and PPO plans?
- HMO plans usually require you to choose a primary care doctor and stay within a specific network.
- PPO plans offer more flexibility to see out-of-network doctors, often without a referral. We’ll help you compare both and choose what works best for your preferences and budget.
Do you offer family health plans?
Yes. Whether you’re covering just the kids, both parents, or the whole household, we can help you build a plan that fits your family's needs. Many of our clients in the Winter Park and Orlando area rely on us to make this process simple.
What if I’m self-employed or a 1099 contractor?
We work with many freelancers, small business owners, and self-employed professionals to find affordable individual plans—often with subsidies. You may qualify for tax deductions too, and we can coordinate with our in-house tax team if needed.
Can you help with Florida Medicaid or CHIP programs?
While we don’t enroll clients directly in Medicaid or Florida Healthy Kids, we can help determine if you may qualify and point you in the right direction.
How do I get started with a health insurance quote?
Give us a call at (321) 214-4594 or reach out online. Whether you need individual coverage, family plans, or group benefits for your business, we’re ready to help you find the right plan at the right price.
Let’s Find the Right Health Plan Together
Explore Your Options
Shopping for health insurance can be overwhelming. We’re here to make it easier.
Call
(321) 214-4594
or contact us online to schedule a free, no-pressure consultation. Whether you’re looking for individual ACA coverage, a plan for your family, or small business benefits, we’ll walk you through your options step by step.
