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ACA Health Insurance in Florida – Affordable Coverage for You & Your Family

Finding the right ACA health insurance in Florida doesn’t have to be complicated. Whether you live in Winter Park, Orlando, or anywhere across Central Florida, our licensed agents make it easy to compare plans, understand your options, and enroll in coverage that fits your needs and your budget. From young families to early retirees, we help you navigate the Marketplace and take advantage of available subsidies.

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Florida ACA Plans

Affordable Care Act (ACA) Plans in Florida

The Affordable Care Act, often called “Obamacare,” is the primary way people under 65 can get health coverage if they don’t have insurance through an employer. These Marketplace plans include essential health benefits such as:


  • Doctor visits and hospital care

  • Prescription drugs

  • Maternity and newborn care

  • Preventive services

  • Mental health services

They also cover pre-existing conditions, and many Floridians qualify for financial help to lower their monthly premiums. Enrollment in Florida is done through the federal Marketplace at HealthCare.gov, and we handle the process for you—at no cost to you.

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ACA Enrollment

Open Enrollment & Special Enrollment

You can sign up for an ACA plan during Open Enrollment, which runs from November 1 to January 15 each year. If you want your coverage to start on January 1, you must apply by December 15.


Missed open enrollment? You may still qualify for a Special Enrollment Period if you’ve had a life change such as:


  • Moving to a new state

  • Getting married or divorced

  • Having a baby or adopting a child

  • Losing employer-sponsored coverage

If you’re not sure whether you qualify, we can help you find out.

How Premium Subsidies Work

Most people who apply for individual health insurance in Winter Park qualify for subsidies that reduce their monthly premiums. The amount is based on your household income and family size.


Subsidies come in two forms:

01

Premium Tax Credits

Lower your monthly cost

02

Cost-Sharing Reductions 

Reduce deductibles and copays (for lower-income households choosing a Silver plan)

We’ll calculate your subsidy eligibility and make sure you get every dollar you qualify for.

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ACA Plan Levels

Plan Options: Bronze, Silver, Gold (and Platinum)

ACA plans are grouped into “metal” levels that reflect how costs are shared between you and the insurance company:


  • Bronze – Lowest premium, highest deductible

  • Silver – Moderate premium and cost-sharing (required for cost-sharing reductions)

  • Gold – Higher premium, lower deductible and copays

  • Platinum – Highest premium, lowest out-of-pocket costs (rare in Florida)

Most ACA plans in Florida are HMO or EPO networks, which means you’ll want to choose a plan that includes your preferred doctors and hospitals. We’ll help you find one that works for your healthcare needs and your budget.

Coverage for Self-Employed or Uninsured

We work with many self-employed professionals, gig workers, and contractors who need health coverage. If you’re self-employed, you may be able to deduct your premiums on your taxes—ask your tax advisor or see our Tax Preparation Services page for more details.


We also help:


  • Families with children – and can point you toward Florida KidCare/CHIP if your children qualify.

  • Early retirees (ages 60–64) – who need affordable coverage until they’re eligible for Medicare.

Free Enrollment Help

Our Enrollment Assistance Services

Working with us costs you nothing—the plan premium is the same whether you enroll yourself or have a certified Marketplace agent help you. The difference? With us, you get:


  • Step-by-step enrollment help

  • Assistance submitting verification documents

  • Guidance choosing a plan that covers your doctors and prescriptions

Local, ongoing support for any post-enrollment issues, like insurance card delays or claim questions

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Extra Coverage

Beyond the Basics: Extra Coverages

ACA health plans cover a lot, but not everything. Most don’t include adult dental or vision—but we do offer Dental Insurance and Vision Insurance to round out your coverage.



If you’ve missed Open Enrollment and don’t qualify for Special Enrollment, a Short-Term Health Insurance plan may be an option to bridge the gap until the next enrollment period.

Frequently asked questions

Frequently Asked Questions About ACA Health Insurance

  • Do I have to pay for your help?

    No. Enrollment assistance is free—plan costs are the same whether you work with us or go direct.

  • Can I keep my doctor?

    We’ll check plan networks to make sure your preferred doctors and hospitals are included.

  • What if my income changes mid-year?

    Report the change right away—your subsidy may adjust to keep your premium accurate.

  • Can I get coverage if I’m self-employed?

    Yes. Marketplace plans are available for self-employed individuals, and you may qualify for subsidies.

  • Do ACA plans cover prescriptions?

     Yes. All Marketplace plans include prescription drug coverage.

Ready to Enroll or Have Questions?

Explore Your Options

Don’t spend hours trying to figure out Healthcare.gov on your own. Our Winter Park-based agents can walk you through the process, explain your options in plain English, and help you get covered fast.

Call (321) 214-4594 or Contact Us today to schedule your free ACA plan consultation. We offer phone, Zoom, and in-person appointments for your convenience.

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