Individual and Family Health Insurance in Florida

You have more options than you think. Floridians can choose ACA Marketplace plans or private off-exchange plans, including PPOs, and helping you find the right one is what we're here for. Licensed broker Darius Mills compares plans, doctors, and total cost at no fee to you. 2027 open enrollment runs November 1 to January 15.

Fill out the quote form and we'll send you the most up-to-date options for you.

In New York? See New York individual and family plans.

You have more options than you think

Most people think HealthCare.gov is the only place to look. It's one of several.

Your renewal notice shows up with a higher number on it. You log in, scroll through a long list of plans that all look the same, pick the one that stings the least, and hope your doctor is still in network. Then you find out what the plan really covers when the first bill arrives.

We understand how overwhelming insurance options can be and we're here to help. In Florida you have two doors: the ACA Marketplace and private plans sold outside it. Behind each door are a lot of plans, and my job is finding the one that fits you. A price you can live with and coverage you can count on aren't always a trade-off.

ACA Marketplace plans

Marketplace plans are the ones you buy through HealthCare.gov. They follow the Affordable Care Act's rules, which is why a lot of people start here.

Depending on your household income, you may qualify for a tax credit that lowers your premium. I'll check what you qualify for before you pick anything.

Private plans, including PPOs

Private plans, also called off-exchange plans, are bought outside HealthCare.gov.

PPOs are available to individuals, not just to employer groups. A PPO (preferred provider organization) is a plan type built around a network of preferred doctors and hospitals. I check whether yours are in it before you enroll.

Private plans can have you covered by next month. That timing applies to private plans only, not to the Marketplace.

Straight talk: some private plans use health questions and may not cover pre-existing conditions or every ACA benefit, so I walk you through what each plan does and doesn't cover before you decide.

Family health plans

Covering your spouse and kids on one plan keeps things simple: one plan, one renewal, one person to call.

The monthly premium is only part of it. Add the deductible (what you pay for care before the plan starts sharing the cost) and the out-of-pocket maximum (the most you'd pay for covered care in a year). That total yearly cost is what tells you which plan actually fits your family.

"Darius Mills has been our agent for the last 3 years. He is very helpful, knowledgeable, and responsive to our needs regarding health insurance. Always able to give advice and find policies that will meet our health insurance needs. I would highly recommend him. Darius has done a great job for our family."

Want to see your family's options? Fill out the quote form and we'll send you the most up-to-date ones.

Self-employed and 1099 coverage

I know this one from the inside. When I went all in on insurance, it was full-time and commission-only, so I know what it's like when your income moves around month to month.

Both Marketplace and private plans can work when you're self-employed. If you have an EIN, even as a business of one, you can also look at private association plans, which pool low-risk individuals together and can lower costs. If you go the Marketplace route, your income estimate matters, because it drives your savings, so we get it right before you apply. Have employees? See small business health insurance.

When you can enroll

Marketplace plans: 2027 open enrollment runs November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1. Outside that window, enrolling generally takes a qualifying life event.

Private plans: these don't follow the Marketplace calendar. Private plans can have you covered by next month.

How we help you find the right fit

1. Fill out the quote form or schedule a call.
2. I compare your options. Marketplace and private plans, your doctors and prescriptions, and the total yearly cost.
3. You fill out a quick application. I help you through it, and I'm still here at renewal.

Working with a broker is free to you. Carriers pay the broker (HealthCare.gov).

My team and I bring over 10 years of combined experience. We've helped over 450 clients save an average of $350 a month. Results vary; savings depend on your situation.

Serving clients across Florida

Creative Health Solutions is based in Melbourne, and we work with clients all over Florida by phone and video. See Melbourne health insurance, Florida areas we serve, or all areas we serve.

More reading: how to choose an ACA health insurance plan.

Individual and family health insurance FAQ

Let's find your fit

Guessing has a cost. You could face unexpected medical bills and continue feeling overwhelmed by insurance decisions.

Most clients save money and feel secure with the right coverage in place. Savings depend on your situation. You go from hoping you picked right to knowing what you picked and why.

If you're worried about overpaying for health insurance, you deserve a solution that works for you. Want to see your options? Get a quote or schedule a call. Fill out the quote form and we'll send you the most up-to-date options for you.

Enroll by Dec 15 for Jan 1 Marketplace coverage.

Darius Mills
Founder and Senior Broker, Creative Health Solutions