What it may cover
- Essential health benefits required under the ACA
- Preventive care at no additional cost
- Coverage for pre-existing conditions, with no denial allowed
- Prescription drugs and mental health services
- Maternity, newborn, and pediatric care
- Rehabilitative and habilitative services and devices
Who it's for
- Individuals and families without employer coverage
- Self-employed workers seeking marketplace subsidies
- Anyone navigating open enrollment for the first time
- Recent arrivals and green card holders working through eligibility rules
- People losing employer coverage who are comparing marketplace plans against COBRA
Why it matters
Marketplace subsidies can significantly lower your monthly premium, but eligibility and savings vary by income and household size, details that are easy to miss without guidance. In a market as competitive as Miami's, two plans at a similar price point can have very different provider networks, so the cheapest option on paper isn't always the best fit for your doctors.
Common coverage options
Bronze plan
Lowest premium, higher out-of-pocket costs when you need care.
Silver plan
Balanced premium and cost-sharing, eligible for additional subsidies.
Gold plan
Higher premium, lower costs when you use care frequently.
Platinum plan
Highest premium, lowest out-of-pocket costs, suited for those who expect frequent medical care.
Carriers we work with
What affects the price
- 01Household income relative to the federal poverty level
- 02Age and number of people covered
- 03County of residence
- 04Plan tier selected
- 05Tobacco use
- 06Eligibility for cost-sharing reductions
Questions to ask before buying
Ready to explore your options?
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Frequently asked questions
Coverage details depend on the carrier, selected policy, applicable state laws, underwriting criteria, and specific exclusions. This content is for informational purposes only and does not constitute legal or financial advice.
