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Health Coverage That Fits Your Family and Your Budget
Self-employed, between jobs, or tired of overpaying? We compare Marketplace plans and private options side by side, explain the tradeoffs in plain English, and help you enroll.
Free and no obligation. About 2 minutes. Your information is never sold.
Who We Help
If you don't get health insurance through work, you have more options than you might think.
- Self-employed people, freelancers, and gig workers
- Families without coverage through an employer
- People losing job-based coverage or facing COBRA costs
- Young adults aging off a parent's plan at 26
- Early retirees not yet eligible for Medicare
- Small business owners covering themselves and their family
Find Your Best Starting Point
Two quick taps for a general direction.
General guidance only. Eligibility and pricing depend on your household, income, and county. We'll confirm your exact options.
Your Options, Explained Simply
Different plans solve different problems. Here's the honest version.
Marketplace (ACA) Plans
Comprehensive coverage- Covers essential benefits like doctor visits, hospital care, and prescriptions
- No denials or higher prices for pre-existing conditions
- Tax credits can lower your premium based on income
Short-Term Medical
Temporary gap coverage- Bridges a short gap between plans
- Not comprehensive and not ACA coverage
- Can exclude pre-existing conditions and has limits
Fixed Indemnity
Cash benefits, as a supplement- Pays set amounts for hospital stays or doctor visits
- Helps with costs your main plan leaves behind
- Not a replacement for major medical coverage
Dental and Vision
Add-on coverage- Cleanings, fillings, and major dental work
- Eye exams, glasses, and contacts
- Can be added to most health plans
Not sure which one fits?Tell us a little about your household and we'll lay out your best options.
Compare My Health OptionsWhat to Watch For
Straight answers up front, so there are no surprises later.
- The premium isn't the whole price. Deductibles, copays, and the out-of-pocket maximum decide what you really pay when you use care.
- Networks matter. A cheaper plan doesn't help if your doctor or hospital isn't in it.
- Income estimates count. Tax credits are based on your expected income. If you earn more than you estimated, you may have to pay some back at tax time.
- Not every plan is comprehensive. Short-term medical and fixed indemnity plans have limits and exclusions. We'll always tell you which is which.
Key Dates to Know
- Open Enrollment: Nov 1, 2026 to Jan 15, 2027The yearly window to enroll in or switch Marketplace plans for 2027.
- Enroll by December 15 for a January 1 startSign up between December 16 and January 15 and coverage usually starts February 1, which can leave a gap.
- Special Enrollment, year-roundLosing coverage, marriage, a new baby, or a move usually gives you 60 days to enroll outside Open Enrollment.
How It Works
- Tell us about your householdWho needs coverage, ages, ZIP, and any doctors you want to keep.
- We compare your optionsPremiums, deductibles, networks, and savings you qualify for, side by side.
- We help you enrollAnd we're here all year for questions, claims, and renewals.
Common Questions
Does it cost more to use an agent?
No. Agents are paid by the insurance companies, and Marketplace premiums are the same whether you enroll with an agent or on your own. You just get someone in your corner to compare options and answer questions.
Do I qualify for a tax credit to lower my premium?
It depends on your household size, expected income, and county. Many Floridians qualify for help through the Marketplace. Share a few details and we'll check what you're eligible for.
Can I keep my doctors?
Often, yes. Networks vary a lot between plans, so we check that your doctors, hospitals, and prescriptions are covered before you choose.
Can I enroll outside Open Enrollment?
Yes, if you have a qualifying life event, like losing other coverage, getting married, having a baby, or moving. That usually gives you 60 days to enroll in a Marketplace plan.
What's the difference between a Marketplace plan and short-term medical?
Marketplace plans are comprehensive health insurance. They cover essential benefits and can't turn you down or charge more for pre-existing conditions. Short-term medical is temporary gap coverage that can exclude pre-existing conditions and has limits. We'll explain exactly what each one covers.
Will I get pressured into buying something?
No. We'll lay out your options side by side and explain the tradeoffs. You decide what fits.
Faith Financial Group is an independent insurance agency and is not affiliated with HealthCare.gov or any government agency. You can also enroll directly at HealthCare.gov. Plan availability, benefits, and premiums vary by county and household. Short-term medical and fixed indemnity plans are not comprehensive health insurance.
Stop Guessing About Your Health Coverage
No pressure and no obligation. If the plan you have is the better deal, we'll tell you.
Prefer to talk? Call or text (813) 603-8714