Compare Individual, Family & ACA Health Insurance Plans with a Licensed Florida Agent.
Finding health insurance in Florida does not have to be confusing. HealthPlusLife helps you compare private and ACA Marketplace plans statewide, from Miami to the Panhandle, so you can choose coverage that fits your life. Our licensed advisors make the process clear and supportive from start to finish.
TTY 711 · Mon–Fri 9am – 5:30pm EST
We make health insurance simple, transparent, and stress-free.
Our team of licensed professionals brings years of expertise to help you find the ideal coverage.
We compare plans side-by-side so you can make an informed decision with confidence.
Navigate the Marketplace with ease — we help you maximize subsidies and benefits.
Get enrolled quickly with step-by-step guidance from start to finish.
Choose the plan that fits your life — our agents will guide you every step of the way.
Subsidy-eligible coverage with essential health benefits included.
Getting covered is simple — just three easy steps.
Reach out by phone or fill out our form. A licensed agent will connect with you at your convenience.
We review your needs and compare coverage options side-by-side so you can make the best decision.
Once you've found your perfect plan, we handle the enrollment process from start to finish.
Fill out the form and a licensed agent will call you back — no obligations, no pressure. We’re here to help you find the right plan.
Real stories from Florida residents we’ve helped find the right coverage.
“HealthPlusLife made finding a health plan so easy. My agent walked me through every option and I saved over $200/month!”
Maria G.
Miami, FL
“I was overwhelmed by the Marketplace options. Their team helped me find a plan that covered my whole family perfectly.”
James T.
Orlando, FL
“Professional, fast, and genuinely helpful. I felt confident in my choice from day one. Highly recommend!”
Sandra L.
Tampa, FL
Don’t see your city? We serve all of Florida. Call (888) 828-5064 to speak with a licensed agent.
Private, under-65 coverage in Florida includes off-exchange plans you buy directly from an insurer and ACA Marketplace plans you can shop on HealthCare.gov. Floridians who are self-employed in tourism or construction, working part time, between jobs, or aging off a parents plan often look to individual coverage. Costs vary by age, county, tobacco use, and plan level, and network choices can differ between dense coastal metros and more rural areas. Explore options and benefits with our Health Insurance Plans guide.
Many Florida residents may qualify for ACA financial help, including premium tax credits and cost-sharing reductions, based on income and household size. Because Florida has not expanded Medicaid, Marketplace eligibility rules are especially important to review if your income changes with seasonal work or storm-related disruptions. Check the latest subsidy details and enrollment steps on our Health Insurance Marketplace resource, and verify specifics on HealthCare.gov.
Florida plans typically come in several formats. HMO plans require you to use in-network doctors and often need a referral. PPO plans let you see out-of-network providers at a higher cost. EPO plans cover only in-network care except emergencies, while POS plans blend HMO-style coordination with some out-of-network access. If you commute between Orlando, Tampa, and Jacksonville or live in the Keys or the Panhandle, confirm that your preferred hospitals and specialists are in-network before you choose.
HealthPlusLife helps Florida households compare networks, estimate total yearly costs, and confirm doctors are in-network. We guide you through eligibility screening, plan selection, and enrollment, and share practical tips in our Blog. Our team supports you online or by phone across the state, always at your pace.
Get answers to the most common questions about health insurance in Florida.
Florida uses the federal Marketplace at HealthCare.gov for buying ACA-compliant coverage. You can compare on-exchange options with our team, or look at private off-exchange plans if they better fit your needs.
Premium tax credits and cost-sharing reductions may lower monthly premiums and out-of-pocket costs based on your income, household size, and where you live in Florida. Because Florida has not expanded Medicaid, reviewing your income carefully is important. Verify eligibility and amounts on HealthCare.gov.
You will see HMO, PPO, EPO, and POS plans across Florida. Availability and networks vary by county, with larger metros often offering broader HMO or EPO choices and some rural areas having narrower networks. Always check that your doctors and hospitals participate.
Open Enrollment typically occurs in the fall and early winter each year. You may qualify for a Special Enrollment Period after certain life events like losing other coverage, moving within Florida, marriage, or the birth of a child. Confirm timing and eligibility on HealthCare.gov.
Yes. We support residents from Miami-Dade and Broward to Orlando, Tampa Bay, Jacksonville, the Panhandle, and the Keys. Our licensed advisors help compare both on-exchange and off-exchange plans and guide you through a confident enrollment.
Speak directly with a licensed agent today. We’ll help you find the
perfect coverage for you and your family.
TTY 711
Mon–Fri 9am – 5:30pm EST