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Florida has more insurance options — and more ways to overpay — than almost any other state. Philip Smith is a licensed Florida insurance agent (NPN #22255420 · FL Lic. #G349232) who compares health, Medicare, and life insurance plans from 22+ carriers to find the right fit for your situation. The consultation is always free.
PPO, HMO, ACA, and private plans for individuals, families, and self-employed Floridians.
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Learn moreFlorida is home to more than 22 million people and one of the most competitive health insurance markets in the United States. Unlike many states, Florida did not expand Medicaid under the ACA — which means Floridians with incomes between 0% and 100% of the Federal Poverty Level fall into what's called the "coverage gap" and don't qualify for marketplace subsidies or Medicaid. This makes the guidance of a licensed insurance agent especially important.
For Floridians who do qualify for marketplace subsidies, the ACA has made health insurance more affordable than ever. Enhanced subsidies introduced by the Inflation Reduction Act mean that many Florida families pay $0 to $50/month for a Silver-tier plan after their tax credit. These enhanced subsidies apply through 2025 and may be extended further.
Florida also offers a unique insurance product called TriTerm medical insurance — available only in select states — which provides major medical coverage for up to 36 months with no enrollment window requirement. TriTerm plans are a popular option for Floridians who need coverage outside of Open Enrollment and don't have a qualifying life event for an ACA Special Enrollment Period.
Florida's Medicare market is equally complex. With over 5 million Medicare beneficiaries, Florida has some of the most competitive Medicare Advantage markets in the country. Counties like Hillsborough, Miami-Dade, Palm Beach, and Broward often have 20+ Medicare Advantage plans available — each with different premiums, networks, drug formularies, and star ratings. Navigating this without a licensed agent frequently results in Floridians choosing a plan that costs them thousands more per year than the best available option.
Philip Smith (NPN #22255420 · FL Lic. #G349232) is based in Florida and works with clients across the state — from Tampa and St. Petersburg to Orlando, Miami, Jacksonville, and beyond. He's an independent agent, which means he's not captive to any single carrier and can shop your needs across 22+ Florida-licensed carriers to find the plan that best fits your doctors, budget, and healthcare situation. The comparison is free. The consultation is free. Philip is compensated by the carrier you choose, so you never pay more by working with him.
Florida uses the federal marketplace (healthcare.gov), which limits some state-specific features available in other states. Open Enrollment runs November 1 – January 15 in Florida.
Florida is one of a small number of states that hasn't expanded Medicaid. Residents earning below 100% FPL don't qualify for marketplace subsidies and may face limited affordable options — making agent guidance especially valuable.
Florida is one of the few states where TriTerm medical insurance is available — a private major medical plan with 36-month coverage that can be purchased any time without a qualifying life event.
Florida has over 5 million Medicare beneficiaries. Most counties have 15–30+ Medicare Advantage plan options. Choosing incorrectly can cost $2,000–$5,000 more per year than the best available alternative.
Plan availability, premiums, and carrier networks vary by ZIP code. Find your city for local guidance.
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Side-by-side comparison of plan types to help you understand the tradeoffs.
30-minute call with Philip to compare specific plans based on your doctors and budget.
Florida residents can choose from ACA marketplace plans (with potential income-based subsidies), private PPO and HMO plans from carriers like BCBS, Aetna, Cigna, and UnitedHealthcare, short-term medical plans, and TriTerm medical plans available in Florida. The right option depends on your income, household size, health needs, and whether you qualify for ACA subsidies.
No — Florida uses the federal marketplace at healthcare.gov rather than a state-run exchange. Open Enrollment for ACA plans in Florida runs November 1 through January 15. Outside of Open Enrollment, you need a qualifying life event (job loss, marriage, new baby, relocation) to enroll in an ACA plan. Private plans have no enrollment windows and can be purchased year-round.
Florida residents with income between 100% and 400% of the Federal Poverty Level (roughly $15,960–$63,840 for a single person in 2026) qualify for ACA premium tax credits. Enhanced subsidies from the Inflation Reduction Act have also made plans available to people above 400% FPL in some cases. Use our Subsidy Estimator tool to see your estimated subsidy based on your household income.
Self-employed Floridians have two strong options: ACA marketplace plans if your income qualifies for subsidies, or private PPO plans for maximum network flexibility. Private PPOs let you see any doctor without referrals, which is valuable for business owners who travel or have established specialist relationships. Philip compares both side-by-side based on your income, location, and healthcare needs.
Yes, in two ways: (1) If you experience a qualifying life event like losing job-based coverage, getting married, or having a baby, you have a 60-day Special Enrollment Period for ACA plans. (2) Private health insurance plans — PPOs, HMOs, and TriTerm plans — can be purchased at any time with no enrollment window. They don't require a qualifying event.
Philip Smith · Licensed Florida Insurance Agent
NPN #22255420 · FL Lic. #G349232 · Independent agent serving clients across Florida · Health, Medicare, and life insurance · Works with 22+ carriers including BCBS, Aetna, Cigna, Humana, UnitedHealthcare, Ambetter, and more. Not captive to any carrier. The comparison and consultation are always free.
Philip compares specific PPO, HMO, and EPO plans from 22+ carriers based on your doctors, budget, and ZIP code — in one free call.
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