Florida Health Insurance — Free Quote in 60 Seconds

ACA marketplace plans, short-term medical, and supplemental coverage. Especially good for self-employed Floridians who don't qualify for big subsidies. Florida-licensed agent. Same plan price as enrolling yourself. Self-employed? See your options →

Florida-licensed agent. Not a national call center.
Same plan price as Healthcare.gov. Carriers pay the commission.
Your info is not sold or shared with other agents.
Self-employed friendly: STM + indemnity often beats unsubsidized ACA.

🔒 No spam

✓ Licensed Florida agent

🆓 No obligation

Start your free quote

Florida-licensed agent. 60 seconds.

Why work with me

I'm Benjamin Turner. I'm a Florida-licensed insurance agent (license #G227271) based in Coral Springs. Turner Risk & Wealth LLC is a brand-new agency, just me. Here's what that means for you:

One person, no queue

You won't get bounced through a national call center. When you submit the form, I'm the one who calls back. When you call (207) 227-2395, you reach me.

Same price either way

Carriers pay broker commissions whether you enroll through me or through Healthcare.gov. The plan price is identical. What you get with me is somebody to call when your situation changes or a claim gets denied.

Your info doesn't get sold

Lots of "free quote" sites sell your info to a dozen other agents. I don't. Submit a quote and I'm the only person who contacts you, not a swarm of other agencies calling 30 seconds later.

Not looking for ACA marketplace?

If you're between jobs, you missed Open Enrollment, you're self-employed without a marketplace subsidy, or you just need a short bridge, I also write the private products built for those situations.

Short-term medical (STM)

30–364 days of coverage, typically cheaper than an unsubsidized ACA plan. Best for healthy adults, gap coverage, between jobs, or pre-Medicare bridge.

Carriers: National General / Allstate, Pivot Health, UnitedHealthcare / Golden Rule.

Hospital indemnity & supplemental

Fixed cash-benefit policies that pay you directly when you're hospitalized or in an accident. Usually paired with a major medical plan, not instead of one.

Carrier: Allstate Health Solutions / National General.

Important: Short-term medical is NOT major medical and is NOT ACA-compliant. It may not cover pre-existing conditions and may have benefit caps. Fixed indemnity is NOT a substitute for major medical; it pays a fixed cash benefit per covered event. These products work best as gap or supplemental coverage. Use the form above and I'll tell you honestly which option (ACA, STM, indemnity, or a combination) fits your situation.

Common questions

Yes, completely free. Insurance carriers pay the broker commission. You pay the same plan price whether you enroll through me, through Healthcare.gov, or directly with the carrier. The commission is built into the plan price either way.

No. Your information is not sold or shared with other agents, agencies, or third-party lead buyers. Benjamin Turner is the only person who contacts you from this agency. See the Privacy Policy for the full no-sale disclosure.

Open Enrollment for 2026 coverage ran Nov 1, 2025 to Jan 15, 2026. Outside that window, you can still enroll if you had a qualifying life event in the last 60 days — loss of coverage, a move, marriage, a new baby, or a significant income change. Call (207) 227-2395 and I can usually tell you in a few minutes whether you qualify.

Some Floridians do, not all. Subsidy eligibility depends on your income, household size, age, and the benchmark Silver plan cost in your county. Submit your basics on the form and I'll tell you specifically.