Health Insurance South Florida
Get the Health Insurance Coverage You Need with Local Agents Who Navigate Florida's Healthcare Maze
People's Insurance Agency helps South Florida families and individuals navigate health insurance decisions with honest advice, competitive rates, and real human support.
Comprehensive Health Insurance Coverage
We help South Florida families and individuals get the right health coverage with clear guidance and great rates from trusted carriers.
Individual & Family Plans
Comprehensive health coverage for you and your family through the Marketplace or private carriers. Includes essential health benefits like preventive care, prescriptions, and emergency services.
Medicare Plans
Medicare Advantage, Medicare Supplement, and Prescription Drug plans for Florida seniors. We help you navigate Medicare's complexities and find coverage that fits your needs and budget.
Short-Term Medical
Temporary health coverage for gaps between jobs, COBRA alternatives, or waiting periods. Provides essential protection when you need coverage for 1-12 months.
Supplemental Plans
Additional coverage like dental, vision, critical illness, and accident insurance. Helps fill gaps in your primary health coverage and provides extra financial protection.
SERVICE REQUIREMENTS
Information We'll Need for Your Health Insurance Quote
To get you an accurate quote and move quickly, please have this ready when you call or visit. Once you're here or on the phone, we'll discuss coverage options and get you the best insurance possible that fits your budget.
Your Household
Details about who needs coverage:
Birthdates for everyone needing coverage
Current health status and any ongoing medical conditions
Preferred doctors or hospitals you want to keep
Prescription medications currently being taken
Your Coverage Needs
Information about your healthcare priorities:
Preferred deductible and monthly premium range
How often you typically visit doctors or specialists
Whether you need maternity or specific condition coverage
Interest in dental, vision, or supplemental plans
Current Insurance
If you currently have health insurance:
Current health insurance company name
Policy documents and expiration date
Current monthly premium and deductible amounts
Any recent major claims or coverage issues
Ready to Get Your Quote?
Have your information ready? Our South Florida team is here to help you.
WHY CHOOSE US
Why South Florida Families Choose People's Insurance for Health Insurance
Navigating health insurance in South Florida comes with unique opportunities and unique challenges. From Medicare complexities to understanding Marketplace changes, you deserve agents who know how to protect your family's health and guide you through Florida's health insurance landscape with confidence.
Right Coverage Levels
With Florida's high healthcare costs and provider networks, we don't sell basic coverage that leaves you underinsured. We ensure you have adequate protection for your family's health needs.
Network Navigation Help
Most agents don't explain provider networks or help you keep your doctors. We educate you on what's covered and help you avoid costly coverage gaps.
Stable Health Partners
Florida's competitive health insurance market means rates vary widely. We work with financially stable insurers who stay committed to Florida families year-round, including during open enrollment.
José maurisset
Founder & Health Insurance Specialist
Meet the team
Our professional team is here to help you
As the founder of People's Insurance Agency, José personally handles health insurance because he knows how important it is to get this right. With over 20 years of experience helping South Florida families, he's guided everyone from young professionals getting their first plan to retirees navigating Medicare for the first time. José understands that health insurance isn't just about monthly premiums - it's about making sure your family can see the doctors they trust without financial stress. When you call about health insurance, you'll talk directly to José, and he'll take the time to explain your options clearly until you feel confident in your decision.
Faq
Frequently Asked Questions
1. What health insurance options are available in Florida?
Florida residents can choose from Marketplace plans through Healthcare.gov, employer-sponsored coverage, Medicare (if 65+), Medicaid (if income-qualified), or short-term medical plans. Florida has multiple insurers offering plans in South Florida including Blue Cross Blue Shield, Ambetter, and Oscar Health, giving you options for different budgets and provider networks.
2. How much does health insurance cost in South Florida?
Health insurance costs in South Florida vary widely based on age, income, and plan type. Individual Marketplace plans range from $200-$800+ monthly, but many qualify for subsidies that reduce costs significantly. Medicare plans often have $0 premiums for Medicare Advantage, while Medicare Supplements range from $100-$300 monthly depending on coverage level.
3. Can I keep my current doctor with a new health insurance plan?
Not always - this depends on the plan's provider network. Before choosing any health insurance plan in South Florida, we help you verify that your preferred doctors, specialists, and hospitals are "in-network." Out-of-network care can cost significantly more, so checking provider networks is crucial when selecting coverage.
4. When can I enroll in health insurance in Florida?
Open enrollment for Marketplace plans runs November 1 - January 15 annually. However, you can enroll year-round if you have a qualifying life event (job loss, marriage, birth of child, moving). Medicare enrollment periods vary by plan type. Short-term plans can be purchased anytime, making them useful for coverage gaps.
5. What's the difference between Medicare Advantage and Medicare Supplement in Florida?
Medicare Advantage replaces Original Medicare and often includes prescription drugs, dental, and vision - many with $0 premiums in South Florida. Medicare Supplements work alongside Original Medicare to cover gaps like deductibles and co-pays, offering more provider choice but typically costing more. Both have pros and cons depending on your health needs and budget.
6. Do I qualify for health insurance subsidies in Florida?
You may qualify for premium tax credits if your household income is between 100%-400% of the federal poverty level (roughly $15,000-$60,000 for individuals, $31,000-$125,000 for families of four in 2024). Florida didn't expand Medicaid, so subsidies are especially important for lower-income residents. We help determine your eligibility and apply subsidies to reduce your monthly costs.
Free guide
Are You Overpaying for Health Insurance in South Florida?
Get our free guide with insider tips to save money and get better coverage during your next enrollment period.
- The #1 mistake that costs South Florida families thousands annually
- How to keep your doctors when switching plans
- Secret subsidies most people don't know they qualify for
- Why the cheapest plan usually costs you more in the long run
- Medicare timing mistakes that can cost you for life
Contact Us
We will get back to you as soon as possible.
Please try again later.
No spam, just helpful insurance insights for South Florida families.