Marketplace Health Insurance in Tampa
Our licensed agents compare every Affordable Care Act plan available in Hillsborough County, check what subsidy you qualify for, and enroll you the same day. We also handle private and supplemental plans in more than 20 states, so families with out-of-state members can be covered together.
Nuestros agentes licenciados comparan todos los planes del Mercado disponibles en el condado de Hillsborough, verifican su subsidio y lo inscriben el mismo día. También ofrecemos planes privados y suplementarios en más de 20 estados.
Subsidy Check
We calculate your premium tax credit so you see the real monthly cost before you choose a plan.
Plan Comparison
Ambetter, Oscar, Molina, UnitedHealthcare, Cigna, Aetna, Humana and more, side by side.
Doctor & Rx Match
We verify your doctors and prescriptions are covered before you enroll.
Special Enrollment
Lost coverage, moved, married, or had a baby? You may qualify to enroll outside Open Enrollment.
Year-Round Service
We stay your agent — plan changes, ID cards, billing questions, and renewals.
Bilingual Agents
Full enrollment support in English and Spanish at our Tampa office.
Frequently Asked Questions
What is the Health Insurance Marketplace (Obamacare)?
It is the federal health insurance exchange created by the Affordable Care Act. Plans are sold through Healthcare.gov, and most Florida enrollees qualify for a subsidy that lowers the monthly premium.
Do you charge to enroll me in an ACA plan?
No. Enrollment help is free — insurance carriers compensate agents, so you never pay us a fee.
When can I enroll?
Open Enrollment normally runs November 1 through January 15 in Florida. Outside those dates you may qualify for a Special Enrollment Period after losing coverage, moving, marriage, or the birth of a child.
Which carriers do you work with?
We compare plans from Ambetter, Oscar, Molina, UnitedHealthcare, Cigna, Aetna, Humana and other Florida carriers to find your best fit.
Can you help in Spanish?
Yes — our agents are bilingual and can walk you through plan options and subsidies in Spanish.
Do I qualify for a subsidy, and how are my savings calculated?
Most Tampa households do. Marketplace subsidies (premium tax credits) are based on your estimated household income for the year and your family size. We run the numbers with you for free so you see the real monthly cost before you pick a plan.
What is a Special Enrollment Period and do I qualify?
A Special Enrollment Period lets you enroll outside Open Enrollment after a qualifying life event — losing job-based coverage, moving, marriage or divorce, having a baby, or a change in income. Most SEPs give you 60 days from the event to enroll.
What happens if I miss Open Enrollment?
Without a qualifying life event you generally have to wait for the next Open Enrollment. In the meantime we can check whether you or your children qualify for Medicaid, Florida KidCare, or a short-term option — those are available year-round.
Can I keep my doctor if I switch plans?
Often yes, but every plan has its own network. Bring a list of your doctors and prescriptions and we will check each plan's network and drug formulary before you enroll.
What documents do I need to enroll in a Marketplace plan?
Photo ID, Social Security numbers for everyone on the application, proof of income such as recent pay stubs or a tax return, immigration documents if applicable, and details of any coverage offered by your employer.