The Affordable Care Act (aka Obamacare) created what’s called Minimum Essential Coverage. These plans can be found both on the Federal Marketplace.
The plans all fall into certain metal tiers: Bronze, Silver, Gold and Platinum. Each offers a varying amount of coverage with differing out of pocket exposure. Bronze plans will be the least expensive and have larger out of pocket costs for the insured.
Federal law prohibits discounting, so you will not find less expensive rates anywhere else on the Internet. That is to say, rates will be the same no matter your source. With our independent agency you are enrolling direct with the carrier of your choice.
Insurance companies offering Marketplace plans in FL in 2020-21 are: Ambetter from Sunshine Health, Cigna Healthcare, Florida Blue (Blue Cross & Blue Shield FL), Florida Health Care Plans, Health First, Humana, Molina, Bright Health, and Oscar.
Many of these On-Exchange plans are expanding into new counties for 2021. Considering most plans are HMOs, it’s wise to make sure your most important doctors and hospitals are in network before enrolling.