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It varies based on your age, income, county, and plan type. After applying premium tax credits, many Floridians pay $50–$200/month — and some pay $0. The only way to know your real cost is to run your specific numbers. We do that for free, usually in one call.

Yes. More than 80% of Florida individual health enrollees qualify for premium tax credits that lower their monthly premium. We review your situation and apply every credit you’re eligible for before you enroll — at no cost to you.

Open Enrollment runs November 1 through January 15 each year. Outside this window, you generally need a qualifying life event (job loss, marriage, move, birth) to enroll through a Special Enrollment Period.

It depends on the plan’s network — and networks change every year. We verify your specific doctors, specialists, and hospitals against each plan’s directory before recommending anything.

Yes. You pay the same monthly premium whether you use an agent or enroll directly. The difference is that we do the comparison work, verify your doctors and prescriptions, and apply your subsidies. Our guidance costs you nothing.

Medicare Advantage (Part C) replaces Original Medicare with a private plan that often includes dental, vision, and drug coverage but has network restrictions. Medicare Supplement (Medigap) works alongside Original Medicare to cover gaps like deductibles and copays. The right choice depends on your health, budget, and preferred doctors.