I'm Benjamin Turner, a Florida-licensed agent. I write short-term medical, hospital indemnity, and ACA marketplace plans. Especially helpful if you're self-employed, between jobs, or you missed Open Enrollment. Free quote in 60 seconds. No spam, no lead selling.
Licensed Florida agent. Free, no obligation.
We do all the heavy lifting. You just answer a few questions and pick your plan.
I'm Benjamin Turner. I live in Coral Springs and I'm the only agent here. The agency is brand new (founded 2025) and I work with people one at a time. When you call (954) 998-6720, you reach me. More about the agency →
If you're between jobs, missed Open Enrollment, self-employed without a marketplace subsidy, or you just need a short bridge before your next coverage starts, the ACA marketplace probably isn't the cheapest option for you. I also write the products built for those situations.
30 to 364 days of coverage, often significantly cheaper than an unsubsidized ACA plan for healthy adults. Good fit for gap coverage, between jobs, missed enrollment windows, or pre-Medicare bridge.
Carriers I write: National General / Allstate, Pivot Health, UnitedHealthcare / Golden Rule.
Fixed cash-benefit policies that pay you directly when you're admitted to the hospital, injured in an accident, or diagnosed with a covered illness. Usually paired with major medical, not instead of it.
Carrier I write: Allstate Health Solutions / National General.
No HR department picks your plan. No employer subsidizes the premium. And if you earn enough to be successful but not enough to be rich, you're in the worst spot for unsubsidized ACA pricing — a healthy 40-year-old in Florida can easily see $500–$800/month at full Silver price. For a lot of self-employed Floridians, a short-term medical plan plus a supplemental indemnity layer is dramatically cheaper than full-price ACA, while still giving real catastrophic protection.
Premiums often qualify for the self-employed health insurance deduction on your federal taxes (Schedule 1). Real after-tax cost is usually 22%+ lower than the sticker price.
Short-term medical isn't locked to Open Enrollment. If you missed the window because life happened, STM can have you covered within days, not months.
If ACA actually wins for your situation (chronic condition, 50+, low income), I'll tell you that. The commission is the same to me either way.
60 seconds on the form. Or just call me. I'll tell you honestly whether ACA, STM, or indemnity fits your situation.
ACA premium tax credits are based on your income vs the Federal Poverty Level (FPL). Here's where most Floridians fall:
| Household Size | 100% FPL | 150% FPL (Often $0/mo) | 250% FPL (Big subsidy) | 400% FPL | Your Likely Cost |
|---|---|---|---|---|---|
| 1 person | $15,650 | $23,475 | $39,125 | $62,600 | Often $0/mo |
| 2 people | $21,150 | $31,725 | $52,875 | $84,600 | Often $0–$50/mo |
| 3 people | $26,650 | $39,975 | $66,625 | $106,600 | $0–$150/mo |
| 4 people | $32,150 | $48,225 | $80,375 | $128,600 | $50–$250/mo |
| 5 people | $37,650 | $56,475 | $94,125 | $150,600 | $100–$400/mo |
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Not sure which tier you're in? Find out in about 60 seconds. Free. → Which tier am I in? Find out now |
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Source: healthcare.gov / CMS 2026 FPL data. Enhanced subsidies from the Inflation Reduction Act remain in effect for 2026. Check your exact amount →
We work with clients across Florida. The pages below cover the carriers, hospital networks, and local subsidy ranges for each metro area. Outside one of these cities? Call (954) 998-6720. We serve the whole state.
Guides written by licensed Florida agents to help you make the right coverage decision.
Real answers to what Floridians actually ask about ACA health insurance.
One medical emergency without coverage can cost $30,000+. Some Floridians qualify for $0/month plans after federal subsidies. Eligibility depends on income, household size, and other factors.
You may qualify to enroll outside of Open Enrollment only if you've had a qualifying life event in the last 60 days, such as loss of other coverage, a move, marriage, a new baby, or a significant change in income. Call (954) 998-6720 or fill out the form and a licensed agent will confirm whether your situation qualifies.
Florida-licensed agent. Free, no obligation.