Health insurance that works the way you do.
Not sure whether you need an HMO, PPO, EPO, or POS plan? That's exactly what I'm here for. Here's the plain-English version. Then we'll match it to your doctors, your budget, and your life.
Updated
Plan types, briefly
HMO, PPO, EPO and POS are four ways of trading flexibility against cost. An HMO keeps you in network for the lowest price. A PPO lets you go almost anywhere without a referral and charges you for it. EPO and POS sit in between, each borrowing one rule from each side. Which one fits depends on the doctors you already use, so that is where we start.
Two ways to buy your own coverage
Plan type is the second decision. This is the first one, and most people never hear it spelled out.
Off the exchange
You can buy directly from an insurer, or through an independent agent like me. Some of what sits here is the same ACA-compliant coverage, simply sold outside the exchange. Some of it is a different product with different rules about what it covers and who it will accept. Both can be the right answer. They are not the same thing, and the difference is worth understanding before you sign anything, which is what the private plans vs. the marketplace guide walks through.
Through the Marketplace
This is the government-run exchange. Florida uses HealthCare.gov. Everything sold there is ACA-compliant, which means it covers the essential health benefits, it cannot turn you down for a health condition, and it cannot charge you more for one. It is also the only place a premium tax credit can lower your monthly bill. The catch is timing. Outside open enrollment you need a qualifying life event to get in.
What actually sets your price
For ACA-compliant coverage, the sticker price comes from a short and public list. Your age. Your ZIP code. How many people are on the plan. Whether you use tobacco. And which plan you pick.
Your health history is not on that list. Neither is your claims record. What you earn does not change the sticker price either, though it can change what you actually pay once a subsidy is applied.
That is why two people the same age on the same street can pay very different amounts for the same plan, and why shopping on the monthly premium alone is the most common mistake I see. The premium is one of four numbers that decide what a year of coverage costs you. The premium vs. deductible guide lays out the other three.
Everything else you might need
Health coverage is the core, but a good plan often includes more.
Dental & vision
Standalone or add-on plans to round out your coverage without overpaying.
COBRA alternatives
Lost or leaving a job? COBRA is often overpriced. I'll show you what private coverage really costs first.
Term life
Simple, affordable protection for your family, often bundled with health coverage.
Supplemental plans
Accident, critical illness, and hospital indemnity coverage to fill the gaps a base plan leaves.
Under-65 bridge coverage
Retiring early? I'll lay out your options until Medicare, side by side.
Small business
Options for you and a few employees without a big-company benefits department. See the employer guide.
Three steps. Zero runaround.
Tell me your situation
A quick call or 2-minute form: your budget, your doctors, what matters to you.
I shop it honestly
I compare plans across my carriers and lay out the real tradeoffs. No jargon, no upsell.
You enroll with confidence
You pick, I handle the paperwork, and I'm here all year, not just at signup.
Coverage questions, answered
Can I keep my own doctor?
Often, yes. It depends on the plan's network. Tell me the doctors and hospitals you want to keep, and I'll steer you toward plans that include them. It's one of the first things I check.
How much will a plan cost me?
It depends on your age, location, household, and the coverage you choose. There's no honest one-size answer, but I'll show you real numbers for real plans side by side, not a vague range.
What's the difference between a private-market plan and the ACA marketplace?
The marketplace offers subsidized ACA plans; private-market plans can offer different networks, pricing, and structures that fit many people better, especially the self-employed. I'll compare both honestly and tell you which makes sense for you.
Does it cost more to use a broker?
No. Carriers build a broker commission into the plan price whether you use one or not, so your premium is the same either way. You just get an advocate for free.
What if I'm not sure what I need?
That's the normal starting point, and exactly my job. Book a free call, tell me what's going on, and I'll walk you through it in plain English with no pressure.
Let's find coverage that fits.
Tell me your situation and I'll send you honest options. Free, no pressure, usually same day.
Call or text (904) 508-8352