Plans
What we can help you with
We are independent, so we are not selling one company's shelf. We compare what is actually available at your address, explain the trade-offs in plain language, and then step back. You decide.
Health insurance (ACA)
Marketplace plans for individuals and families. Health insurance doesn't only protect you medically — it protects you financially. A wrong choice costs you for twelve months, so it is worth getting right.
- We check your doctors are in network before you enroll — not after.
- We check your prescriptions are on the formulary and what they'll cost.
- We work out whether you qualify for a subsidy, and what it changes.
- We explain deductible, out-of-pocket maximum and copay in words that mean something.
- Open enrollment for 2027 coverage runs 1 November – 15 January.
- Had a baby, married, moved or lost coverage? You may qualify for a Special Enrollment Period outside those dates.
Medicare
New to Medicare, turning 65, or retiring? We walk you through what each part actually does and which combination suits how you really use care — not how a brochure assumes you do.
- Medicare Advantage (Part C) — how networks and extras actually work.
- Medicare Supplement (Medigap) — what it covers that Original Medicare doesn't.
- Part D prescription cover, checked against the drugs you take.
- Whether your doctors and hospitals accept the plan you're considering.
- Annual enrollment runs 15 October – 7 December.
- Plans change every year. We review yours annually — we don't disappear after enrollment.
Life insurance
Making sure your future is secure is ideal. The future of your family is priceless. We'll show you what each type really costs and what it would actually pay out.
- Term life — cover for a set number of years, usually the cheapest way to protect a family.
- Permanent life — cover that doesn't expire, and builds value.
- How much cover actually makes sense for your situation.
- What the medical questions and exams involve, if any.
- Mark is our specialist here, with 12+ years in life insurance.
Dental, vision, travel and short-term
The cover people forget until they need it. These are usually inexpensive and quick to put in place, and they fill gaps that health plans leave open.
- Dental — cleanings, fillings, major work.
- Vision — exams, glasses, contacts.
- Travel — medical cover while you're out of the country.
- Short-term — a bridge between jobs or before a plan starts.
- Ask us — these often cost less than people expect.
Let's find the plan that fits
Call the number that suits you, or send us a note and we'll call you back — usually the same day.
Or email TheHealthAgents@Gmail.com · Serving the whole state of Florida, by appointment