Individual health insurance is a type of coverage you purchase on your own, rather than through an employer, providing benefits and protections tailored to your personal health needs.

Begin by scheduling a consultation with us. This allows us to understand your unique healthcare needs and guide you through the available options.

We assess your health history, current medical needs, budget, and personal preferences to create a customized plan that offers the most appropriate coverage for you.

Consider factors such as coverage benefits, premium costs, deductible amounts, out-of-pocket limits, and the network of doctors and hospitals.

The deductible is the amount you pay out-of-pocket for covered services before your insurance starts to pay. We explain how deductibles work in each plan option.

We provide ongoing support, helping you understand and maximize your benefits, stay informed about plan changes, and manage your healthcare expenses effectively.

Individual medical insurance is typically purchased with our assistance, at no additional cost to you, through the Affordable Care Act (ACA) Marketplace at HealthCare.gov, where Florida Blue is the most reliable carrier in Northwest Florida. Costs depend on plan type (HMO, PPO, EPO), metal tier (Bronze, Silver, Gold, Platinum), and eligibility for premium tax credits (subsidies) based on income. Average Cost per Person per Month (PPPM): Florida Blue: $450–$700 PPPM for Silver plans, $350–$550 for Bronze plans, and $600–$900 for Gold plans. Platinum plans, if available, may exceed $900. Subsidies can reduce costs to $30–$100 PPPM for eligible individuals (e.g., income below 400% of the federal poverty level). UnitedHealthcare and Ambetter: $400 - $650 for Silver Plans, $300-$500 for Bronze plans, and $550-$850 for Gold plans. Subsidies can reduce costs to $20 - $90 PPPM for eligible individuals. Key Factors Affecting Costs AND Access to Healthcare Providers: Income: Subsidies are available for incomes up to 400% of the federal poverty level (e.g., $58,320 for an individual in 2025). In 2024, Florida Marketplace enrollees paid ~$60/month after subsidies. It is CRITICALLY important to work with an experience agent of 5 or more years with Marketplace plans and Premium Tax Credits to reduce the likelihood of costly tax credit errors, resulting in tax liabilities. Plan Tier: Bronze plans typically offer better value for households who are not heavily subsidized. Consider pairing a Bronze plans with Supplemental Accident or Hospital plans. Location: Northwest Florida (e.g., Pensacola, Fort Walton Beach) may have slightly lower rates than South Florida due to regional pricing. Network directories and prescription coverage: It is highly recommended to reference the provider directories and prescription lists provided on the insurance carrier's websites instead of Healthcare.gov. Their lists are updated more often and tend to be more accurate. ***If you are enrolling in the middle of the year, avoid enrolling in smaller network HMO plans, particularly with UnitedHealthcare or Ambetter as their network provider's patient thresholds are typically met earlier in the year. This can result in being locked into a plan for the year that your preferred physician or facility that is no longer accepting new patients.

No, no additional fee is paid to us. This is one of the biggest misconceptions we hear. We are compensated directly by the insurance carriers, assuming we are able to help you find a plan that is best for your needs. You have the benefit of working with agents in our firm who have worked with these plans for nearly 20 years, with over 5,000 Northwest Florida families saving them an average of $8,000 per year in insurance premiums or health care costs. Furthermore, we can typically save our clients an average of 3 hours of time that they would spend using an unexperienced agent or 800 number to fix errors or inaccurate information.