Health insurance in Florida,
explained in plain language.

Compare ACA Marketplace plans and tax credits with an independent broker, at no cost to you.

407-220-0234

Self-employed, between jobs, or retiring before 65? You have more options than you might think.

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Compare plans and add your information before your review.

ACA Marketplace plans cover individuals and families who don't get health insurance through a job, including freelancers, small business owners, early retirees, and young adults coming off a parent's plan at 26. We compare plans from multiple Florida carriers, check whether you qualify for a tax credit, and make sure your doctors and prescriptions are covered before you enroll.

How Marketplace plans work

Every Marketplace plan covers the same essential health benefits, including doctor visits, prescriptions, hospital care, and preventive services. What changes from plan to plan is how you share costs and which doctors you can see.

Lower monthly premiums

Premium Tax Credits

Based on your household size and expected income, a tax credit can lower your monthly premium. Under current law, it's available to households with income between 100% and 400% of the federal poverty level who don't have access to affordable job-based coverage. Most people have it applied to their premium each month.

Lower out-of-pocket costs

Cost-Sharing Reductions

If your income is at or below 250% of the federal poverty level, you may qualify for extra savings that lower your deductible, copays, and out-of-pocket maximum. These savings are only available on Silver plans, so the cheapest premium isn't always the best value.

Bronze, Silver, Gold, Platinum

Metal Levels

The metal level tells you how you and the plan split costs, not the quality of care. Bronze plans have lower premiums but higher costs when you use care, while Gold and Platinum cost more each month but less when you see a doctor. Catastrophic plans are also available to people under 30 and some others, and Bronze and Catastrophic plans can now be paired with an HSA.

HMO, EPO, PPO

Provider Networks

Most Florida Marketplace plans use a network of doctors and hospitals, and some require referrals to see a specialist. Two plans with similar prices can have very different networks, so we check your doctors, hospitals, and prescriptions before you choose.

New since 2026

Pair a Bronze or Catastrophic plan with a Health Savings Account

Since January 2026, every Bronze and Catastrophic Marketplace plan can be paired with a Health Savings Account (HSA). You can set money aside for medical costs and lower your taxes at the same time, which can make a lower-premium Bronze plan a smarter choice than it used to be.

Self-only coverage
$4,500
Family coverage
$9,000
Extra if you're 55 or older
$1,000

2027 contribution limits set by the IRS.

Ask About HSA-Eligible Plans

Why an HSA can be worth it

  • Tax-free going in. Your contributions lower your taxable income.
  • Tax-free growth. The balance can earn interest or be invested.
  • Tax-free coming out. Withdrawals for qualified medical expenses, like deductibles, copays, prescriptions, dental, and vision care, aren't taxed.
  • Yours to keep. Unused money rolls over every year and stays with you if you change plans.

Good to know

  • You open the HSA yourself with a bank or HSA provider. It isn't part of your Marketplace application.
  • Monthly Marketplace premiums generally can't be paid from an HSA.
  • Catastrophic plans can't be used with a premium tax credit, so if you qualify for one, a Bronze plan is usually the way to get both.
  • Once you enroll in Medicare, you can no longer contribute, but you can keep using what you've saved.

We'll help you compare HSA-eligible plans. For how an HSA fits your taxes, talk with a tax professional.

When you can enroll

Outside of Open Enrollment, you can only sign up or change plans after certain life events, so it's worth planning ahead.

How working with us goes

Our guidance is free to you, and there's no obligation to enroll.

  1. Reach out

    Call 407-220-0234 or request a consultation online, and we'll set up a time that works for you.

  2. Tell us about your household

    Who needs coverage, your expected income for the year, your doctors and prescriptions, and your budget.

    Add your details in our ACA plan portal (opens in a new tab)

  3. Compare side by side

    We estimate your tax credit and compare plans that include your doctors, then walk through the costs in plain language.

  4. Enroll and stay covered

    We help with your application, remind you to report income changes, and review your plan with you each fall.

Common Marketplace questions

Does it cost anything to work with HelpCare?

No. We're paid by the insurance companies when you enroll, and your premium is the same whether you enroll through us or on your own.

Will I qualify for a tax credit?

It depends on your household size and expected income for the year. Under current law, premium tax credits are available to households with income between 100% and 400% of the federal poverty level who don't have access to affordable job-based coverage.

If your income is lower than that, you or your children may qualify for Medicaid or Florida KidCare instead. We'll help you sort out which applies.

Can I be turned down for a pre-existing condition?

No. Marketplace plans can't deny you or charge you more because of a pre-existing condition, and they cover essential health benefits like doctor visits, prescriptions, hospital care, and preventive services.

Can I use an HSA with a Marketplace plan?

Yes, if you choose a Bronze or Catastrophic plan. Since 2026, all of them are HSA-eligible. You open the account separately with a bank or HSA provider, and for 2027 you can contribute up to $4,500 for self-only coverage or $9,000 for family coverage, plus $1,000 more if you're 55 or older.

My job offers insurance. Can I still get a Marketplace plan?

You can buy a Marketplace plan, but if your employer's coverage counts as affordable and meets minimum standards, you generally won't qualify for a tax credit. We can help you compare the two.

What if my income changes during the year?

Report it to the Marketplace as soon as you can. Your tax credit is based on your estimated income, so if you earn more than expected you may have to pay some or all of it back when you file your taxes. We can help you update your application.

What should I have ready?

Your household members and their dates of birth, an estimate of your household income for the year, any job-based coverage offers, and a list of your doctors and prescriptions. You can also enter this ahead of time in our ACA plan portal (opens in a new tab).

Ready to compare your options?

Schedule a no-obligation consultation. We'll listen, compare your options, and give you clear, honest answers.

Schedule a Consultation Review ACA Plans (opens in a new tab) Call 407-220-0234
Government Affiliation Disclaimer

HelpCare Benefits Agency is not affiliated with or endorsed by the U.S. government, HealthCare.gov, or the federal Health Insurance Marketplace. HelpCare Benefit Advisors LLC dba HelpCare Benefits Agency (FL Agency License # L135827) is an independent insurance brokerage licensed in the state of Florida. We are compensated by insurance carriers for plan enrollments. Our advisory services are provided at no direct cost to you.

Plan & Coverage Disclaimer

Plan availability, benefits, costs, and carrier participation vary by service area and are subject to change. Tax credit eligibility and amounts depend on household income and size and are determined by the Marketplace. Information on this page is general in nature and is not tax advice. Contact us or the plan directly for complete details including covered services, cost-sharing, exclusions, and limitations.

Other Ways to Get Help

You can also review and enroll in Marketplace coverage on your own at HealthCare.gov or by calling the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325). For questions about your taxes, talk with a tax professional.