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.