FREQUENTLY ASKED QUESTIONS

  • The ACA Marketplace is a government-run platform where individuals and families can compare and enroll in health insurance plans. It’s also where you apply for subsidies and tax credits.

  • Yes. We provide free assistance enrolling in ACA Marketplace plans, checking your subsidy eligibility, and making sure you're getting the most affordable coverage.

  • You can update your income on your healthcare.gov account, or we can help you file a change of circumstances to adjust your premium and subsidy amount.

  • We help you request a formulary exception or find alternative plans that do cover your prescriptions. We'll also check discount programs and pharmacy savings options.

  • Yes. You can switch health insurance plans during Open Enrollment. We'll compare your current plan against new options to ensure you're getting the best value and coverage.

  • A subsidy reduces your monthly premium and out-of-pocket costs. A premium tax credit lowers your monthly premium based on income. We help you qualify for both.

  • No, there's no federal or Florida state penalty for not having insurance, but being uninsured puts you at financial risk in the event of a medical emergency.

  • A network is a group of doctors, hospitals, and providers contracted with your insurance. In-network care is usually cheaper. We help you choose plans with your preferred doctors.

  • A prior authorization is approval from your insurer before certain procedures, medications, or treatments are covered. We help you understand which services require this.

  • Yes. Under the ACA, all marketplace plans must include pediatric dental and vision coverage for children under 19.

  • A formulary is your plan’s list of covered prescription drugs, usually sorted into cost tiers. We help you review each plan’s formulary during the quote process.

  • Some plans have nationwide networks, while others are state-specific. If you travel or move often, we help you choose plans with out-of-state coverage options.

  • Yes. If you gain job-based insurance, you can cancel your individual plan without penalty. We guide you on the cancellation process and timing.

  • Yes. If you have different healthcare needs or one of you qualifies for Medicare or a subsidy, having separate plans may save money.

  • We can help military families explore civilian options outside of Tricare or VA benefits, including supplemental private insurance.

  • An SBC is a document that outlines what a plan covers and what it costs. We walk you through this to ensure there are no surprises.

  • You can change during Open Enrollment or any time you qualify for a Special Enrollment Period. We’ll help monitor your eligibility year-round.

  • No. Each plan has different deductibles, coinsurance, and copay structures. We help you compare real total costs, not just premiums.

  • We help you correct errors on your health insurance application through the marketplace or directly with your insurer.

  • Yes. We provide short-term medical plans and travel insurance for visitors to Florida needing limited-duration health coverage.