Finding the right Individual Health Insurance Plan – Pompano Beach FL

Medical insurance is one of the most important and crucial purchases you’ll make all year. Comparing health insurance as well as obtaining medical insurance quotes is readily available through healthcare.gov and other sites. With a little expertise and research, you will be able to find a health plan that is right for you.

When can you buy a plan?

In Florida, you can buy a health insurance plan, through the marketplace, from November 1st through December 15th. Outside of this window, you can only purchase plans for special circumstances, like moving, getting married, having a child, and the like.

Types of individual health plans

Although they must cover certain benefits, health plans still vary in how they are structured and how much of your health care costs they pay.

Health plans in the Affordable Care Act marketplace are divided into levels, based on the percentage of health care costs the plans pay and the portion you pay out of pocket, including the deductible, copayments and coinsurance.

So, you can see at the lower level, bronze, you have the lowest monthly premium, but you are paying up to 40% of the medical costs you incur. Whereas at the higher level, platinum, you only pay 10% of the costs you incur, but are paying a much higher premium. You will want to choose the level that makes sense for you. If you don’t anticipate needing that much health care, then paying a lower monthly premium at the bronze level make sense. Bronze and silver are the most commonly chosen levels.

Note that you can also be eligible for subsidies if your income level falls below 400% of the poverty level. In 2020, that equates to $49,960 for an individual. The amount of your subsidy will vary with your income level. You may also get discounts on co-pays and deductibles if your income is below 250% of the poverty level, which is $31,225 for an individual in 2020.

Comparing Health Plans

In addition to cost, here are a few additional things you should look at when comparing health plans.
The network of doctors. If you have a doctor that you want to keep, ensure that they are in the plan’s network. Also, make sure that any specialists you may need are available in the network, and within a reasonable distance from your home.
What is covered. Make sure that prescriptions you may be taking are covered by the plan. Also, if there is a particular service that you need, look at how the plans cover that service. Some plans offer more coverage in certain areas, which may benefit your situation.

Need help Choosing a Plan?

Looking across all the health plans and all the various levels can be quite time consuming and confusing.
That’s where we can help. Florida Health Agency is an independent agency that helps people like you find the best coverage for their needs and their budget. Our meetings with you are at no cost to you. We work with multiple insurance providers, so our advice is not tied to any one provider. We work for you to get you the best insurance period, and take all of the hassle out of getting an insurance plan.

Newest Articles on our Blog

Get Your Free Copy of the “Ultimate Medicare Quick Reference Guide” from Florida Medicare Agency!

This guide helps you learn about the different parts of the Medicare program, including Medicare Part A and Part B (together, they are often called “Original Medicare”), Part C (often called “Medicare Advantage”) and Part D (the part of Medicare that covers your prescription medications).

We would like to help you.

Speak to us about your Health Insurance requirements.

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

Florida Health Agency is a licensed health insurance agency certified to sell Medicare products. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Medicare has neither reviewed nor endorsed this information.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Get In Touch

866-713-3267
English: 954-332-9768
Portuguese: 954-859-2602
Fax: 954-301-2282

Come On In

2211 East Sample Road Suite 103
Lighthouse Point, FL  33064

Follow Us

Facebook Twitter Google LinkedIn Yelp Angie's List

Email Us

Michelle S.
Michelle S.
1709665568
Bill always gives our family the knowledge necessary to make an informed and amazing choice for our healthcare needs. He always helps us find the best deals and has our best interests in mind 100% of the time 🫶🏼
mckenna S.
mckenna S.
1707773757
Gio was absolutely amazing! She took the extra time to help me understand the different plans and make me feel comfortable. She gave me a few options and found what was right for me! You can tell she really cares about helping people feel understood and happy with their new health insurance plan. So happy I found her!
John H.
John H.
1706726903
Gio is a very personable and knowledgeable insurance agent. She listened to my needs and helped me to strategize the best insurance option for my needs. Due her dedication and diligence, I am have been able to access a more comprehensive level of health care at a much more affordable price point.John Hall, Ph.D.
Veronica O.
Veronica O.
1703882825
Had a fantastic experience with William Kohn (Bill) from a Florida health agency. He showed resourcefulness, patience, and guidance through every step were invaluable. A big thank you to him🙏🏻
Rufino
Rufino
1703021395
Gio took the time to explain the details of the health insurance plans. and guided me to obtain the one that fit my requirements. Thank you very much for your help
Victoria Pierno R.
Victoria Pierno R.
1702588482
Gio is amazing..She is extremely knowledgeable & truly listens to your needs to find the best fit for your family!
Luma A.
Luma A.
1698329192
Excellent! Gil is an excellent professional and very sure of the information, which gives us confidence!
Jon C.
Jon C.
1697049336
Gio is great! Excellent service and she's super helpful
Liana T.
Liana T.
1693514046
Gio is a wonderful person!Very pacient, proficient, and helpful. She went above and beyond!I am very grateful for her professionalism and CARE !Thank you very much 😘
Brian H
Brian H
1692817463
Gio is incredible, the BEST. She takes the time to make sure I understand everything and lets me decide what is best but with her guidance. Without any doubt, she is the BEST insurance agent I have ever worked with.
Miria C.
Miria C.
1691502712
I loved the professionalism of Gil.Knowledge in what he does, affection with customers, punctuality and commitment. Great options Gil offers in its products and with flexibility. I felt quite safe and confident in what she offered us. Gratitude coming from me and my husband. Miria Carvalho and Walter Renesto
souade S.
souade S.
1690555658
Gio é muito atenciosa e explica muito bem sobre seguro de saúde! indico com segurança!
Adriana M.
Adriana M.
1688075934
Excelente atendimento
Patricia L.
Patricia L.
1687826629
Pensa em uma pessoa que explica tudo!!! Fantástica a Gio!
Robin V.
Robin V.
1686247694
The most conscientious professionals, with customer service the priority. A pleasure to do business with.
Pablo Goldberg M.
Pablo Goldberg M.
1684792922
I wish I can leave 1 Billion Stars! Bill Kohn, a true professional, extremely knowledgeable, caring, knows the customer very very well and understands without any judgement if one was let go recently from a job. We needed marketplace ACA insurance and quite confusing for a consumer. In fact Bill drills down simplistically, he goes the extra mile and then some. I myself a former health/life insurance agent and I must say Bill and his team truly angels, “miracle workers”, and top notch. Highly recommend Florida Health Agency! Heartfelt Thank You to Bill and his Team and the Florida Health Agency! Phenomenal experience.
jacquelinne M.
jacquelinne M.
1681772950
Fiz o seguro da minha família junto com a Gio Sartor e ela foi muito prestativa! Tirou todas as dúvidas que eu tinha e sempre me deixou confortável durante todo o processo e ainda tirou tempo fora do horário comercial pra esclarecer minhas dúvida, recomendo!
adriane M.
adriane M.
1680720997
Atenção e cuidado e profissionalismo. Foi o que recebi! Muito obrigada!❤️
Fast C.
Fast C.
1680720749
Atendimento Maravilhoso.. Indico hoje e sempre❤️Adriane Melo
Ev
Ev
1680135296
Christina is wonderful at her job! She exceeded my expectations from beginning to end. Very grateful she was the one who helped close on my new insurance policy. Thank you Christina!
Ira B.
Ira B.
1674921114
my agent, William Kohn, was fantastic! he made the entire process super easy!
Ed G.
Ed G.
1673123981
If you are looking for an intelligent and knowledgeable insurance agent who will answer every question, and provide AMAZING service, look no further. Gio is by far the best agent we have ever found. Interview Gio before working with anyone else. She goes above and beyond, and truly cares. We would rate her a 10, not 5!!! Adrienne and Ed Greenfield, Naples, Fl
Stephanie R.
Stephanie R.
1670414396
Gio is the best!
emily K.
emily K.
1669917870
Bill was thorough, patient and knowledgeable. Highly recommend.
George M.
George M.
1669311388
To whom it may concern -Bill Kohn is the upmost professional and has been instrumental in landing the perfect health insurance for my well being. He’s been methodical and articulate in explaining all options leaving no stone unturned. It’s been such a great pleasure to work with Bill and his team and knowing I can always count on him to navigate any questions I may have with current and future plan coverage. Bill is truly the best in the health insurance business!! Sincerely George Malave
×
js_loader
Share This