Serving Miami-Dade · Broward · The Palm Beaches · Florida
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This page is kept up to date for our clients. If we sent you a text with a link, this is where it points.
You are on the official site of The Health Agents
Licensed insurance agents and brokers — Miami-Dade, Broward, The Palm Beaches and all of Florida.
305-332-1199 English 786-663-2466 Español 305-345-0046 Bilingual
Latest
Medicare Annual Enrollment runs from October 15 to December 7.
If you are already a client, we will review your plan with you before the window closes. Plans change every year — the one that was right last year may not be right now. There is no cost to you for this review.
Call your agent directly, or reply to the text you received.
Latest
The current administration has made the following changes. We are here to help. We will find solutions together, as we usually do.
November 1, 2026 — enrollment opens
December 15, 2026 — last day to enroll for coverage starting January 1
January 15, 2027 — enrollment closes
If you enroll between December 16 and January 15, your coverage starts February 1. After January 15 you need a life change — marriage, a baby, a move, or losing other coverage.
The extra help of the past few years is gone. There is now a hard line: one dollar over the income limit and you get nothing at all. It does not shrink — it stops.
The old limit on how much you repay no longer exists. Say you told us $30,000 and received $400 a month. You actually earned $45,000 — you now owe about $2,400 back. Before, it was capped near $975.
Your income number must be exact, or as close as you can possibly get it, and it has to match what you file on your taxes.
Give us an accurate income number. A little high is safer than a little low. Tell us the moment it changes, and ask us about taking less help each month so you never get a surprise bill.
Expect to be asked for documents. Have ready: recent pay stubs, last year's tax return, a letter from your employer, or your own records if you work for yourself. Send it quickly — if you don't, your help can stop.
People mix these two up. They are not the same thing. ID verification proves who you are, and not everyone has to do it. The code is what approves your enrollment, and everyone needs it.
Step 1 — ID verification. Only for people who are new to us or new to the Marketplace.
You need it if you are new to the Marketplace.
You need it if you are a new client with us.
You need it if you are changing agents and coming to us from someone else.
You do NOT need it if you are already our client and staying with us.
Step 2 — the code. This one is for everyone, every enrollment.
The Marketplace has to confirm your identity with a one-time code before anyone can be enrolled. This is not paperwork you send in afterwards. The code is sent to you in the moment, while we are actively enrolling you, and the enrollment stops dead until you read it back to us.
Without that code, enrollment is not possible. Nothing can be submitted, there is no way around it, and no one can give the code to us but you.
While we are enrolling you, the code arrives by text or email — so have your phone in your hand, unlocked, with the sound on.
Send it to us the second it arrives.
The code only works for 15 minutes.
If it expires, we have to start your whole enrollment over.
The code goes to you and only you can give it to us. We cannot get it for you. If anyone ever enrolls you without this step, that is fraud — call us.
This is why we need your correct phone number, your correct email address and your correct date of birth on file. If any of it is out of date, the code will not reach you and we cannot enroll you.
From January 1, 2027 the list of who gets help is much shorter. Green card holders, Cuban and Haitian entrants, and people from the Marshall Islands, Micronesia and Palau still get help. Refugees and asylees without a green card, TPS, pending asylum, parole and work visas no longer do.
If you are Cuban or Haitian, do not assume you lost it — the rule protects many of you. Bring your work permit; the small category code on the card is what decides. Bring us your documents and we will tell you exactly where you stand. Some people who think they have lost it have not, and some who think they are fine are not.
File every year and include the Form 1095-A, or you can lose your help. For your appointment: photo ID, immigration document if you have one, proof of income, last year's tax return, and your phone for the code.
Some of the strictest new rules are still being challenged in court and are not being enforced. We follow what is actually in force, and we will tell you if that changes.
Open enrollment for 2027 health coverage runs from November 1 to January 15.
If you want your new plan to start on January 1, you need to enroll by December 15. After that, coverage starts February 1.
Nothing changes automatically for the better — if your income, household or doctors changed this year, tell us, because it affects what you qualify for.
There are no announcements right now.
Premium tax credit rules that start January 1, 2027.
| Can get a subsidy | Premium tax credits available |
| U.S. citizens and nationals | |
| Lawful permanent residents | Green card holders |
| Cuban and Haitian entrants | Paroled in, pending asylum with no final removal order, or in removal, deportation or exclusion proceedings |
| COFA migrants | Marshall Islands, Micronesia, Palau |
| Your income must also be at or above 100% of the federal poverty level. | The old pathway that let lawfully present immigrants in the Medicaid waiting period claim a subsidy below 100% FPL has been removed. |
| Can enroll, but at full price | Lawfully present, no subsidy from January 1, 2027 |
| Pending adjustment of status (I-485) | Unless you are also a Cuban or Haitian entrant — then you keep the subsidy |
| Refugees and asylees | Lost eligibility |
| TPS holders | Lost eligibility |
| Trafficking and domestic violence survivors | Lost eligibility |
| Work permit / EAD holders | |
| Student and work visas | F-1, H-1B and similar |
| Withholding of removal | |
| Parolees who are not Cuban or Haitian | |
| Cannot enroll at all | Not eligible for Marketplace coverage |
| DACA recipients | |
| Undocumented |
Scroll sideways to see the whole table.
| “What country are you from, and how did you enter?” | This is what tells us whether you are a Cuban or Haitian entrant — if you are, you keep the subsidy whether or not you have a green card. |
| “Do you have your green card yet, or is it still pending?” | For everyone who is not Cuban or Haitian, this is the dividing line. |
This is general information, not legal advice. Immigration status can be complicated — bring us your documents and we will tell you exactly where you stand, and if anything is unclear we will send you to an immigration attorney rather than guess.
Questions about any of this? Call your agent directly — the numbers are above. Our advice is always free.
