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Health insurance advisor for self-employed people and early retirees in Florida
SmartHealthMatch matches Florida residents who are self-employed or retiring before 65 with one Florida-licensed health insurance advisor who compares private underwritten plans against HealthCare.gov marketplace plans and says which costs less for your household. The check takes two minutes, is free, and your information is never sold.
Prefer to talk? (269) 953-2357 — a licensed advisor, not a call center · 7 days, 8 a.m.–10 p.m. ET
Advisors in this network are licensed in Florida · license details on our disclosures page · one advisor per person, never a call list · not a government site — marketplace plans are also at HealthCare.gov or your state marketplace
Licensed in Florida
The operating advisor's Florida license: G340342 (resident, 2-15 Life & Health). Partner advisors in the network hold their own Florida licenses, available on request. Verify any producer at nipr.com/help/look-up-your-license or through the Florida Department of Financial Services, Division of Consumer Services, at myfloridacfo.com/division/consumers — Insurance Consumer Helpline (850) 413-3089, Monday–Friday 8–5 ET.
Your four coverage routes in Florida (2026)
Florida uses the federal marketplace, HealthCare.gov, not a state-run exchange. That leaves a self-employed person or early retiree with four realistic routes.
| Route | Who it fits | Guaranteed issue? | Pre-existing conditions | When you can enroll |
|---|---|---|---|---|
| Marketplace plan with a subsidy | Households with 2026 income between 100% and 400% of the poverty line — often the best deal available | Yes | Fully covered, no health questions | November 1, 2026 – January 15, 2027, or a qualifying event |
| Marketplace plan at full price | Income above the subsidy line, especially with a real health history | Yes | Fully covered, no health questions | Same window as above |
| Private underwritten plan | Healthy, above the subsidy line, wants a broader network or a lower premium | No — carrier approval required | May be rated up, excluded by rider, or declined | Applications taken year-round |
| Spouse's employer plan | Married, spouse has group coverage — price it, don't assume | Yes, as a dependent | Fully covered | Employer's open enrollment or a qualifying event |
Private underwritten plans are not guaranteed issue: the carrier can decline you, charge more, or exclude a condition with a rider. They are not ACA coverage and do not qualify for premium tax credits. For many households — anyone with a subsidy or a real health history — the marketplace plan is plainly better, and when it is, the advisor says so.
Three Florida numbers worth knowing for 2026
- Full price for a 40-year-old. In the median Florida county, the second-lowest-cost silver plan for a single 40-year-old costs $699 a month before any subsidy in 2026, and the cheapest bronze $515; KFF's enrollment-weighted statewide benchmark is $683 (CMS QHP Landscape PY2026, data current August 4, 2026; KFF benchmark premiums). Checked September 14, 2026.
- The 2026 rate increase. Florida's Office of Insurance Regulation approved a weighted-average individual-market increase of 34.1% for 2026, with the average premium per person rising from $648 to $867; ACA Signups, using a different weighting, reports 31.5% (OIR web table, October 16, 2025). Checked September 14, 2026.
- The subsidy line. Above $62,600 for one person or $128,600 for a family of four, 2026 marketplace plans are full price — the enhanced credits expired December 31, 2025 and were not extended (HHS 2025 poverty guidelines, 90 FR 5917; KFF, July 28, 2026). Checked September 14, 2026.
Marketplace plans are sold in all 67 Florida counties by 16 filing insurers on HealthCare.gov (healthinsurance.org, accessed August 3, 2026); 65 counties have three or more. Florida has not expanded Medicaid (KFF, August 2026), so an adult projecting income below $15,650 can fall between Medicaid and the marketplace.
How the match works
- Two minutes online. You enter your ZIP, your situation (self-employed, retiring early, between jobs) and who is in your household. No health questions.
- One licensed advisor for Florida. You are matched with a single advisor licensed in Florida — not a list. Spanish-speaking advisors are available.
- A written side-by-side. The advisor prices a subsidized marketplace plan, a full-price marketplace plan and, if you are a fit, a private underwritten plan, checks your doctors and hospitals against each network, and sends you the comparison — usually within the hour, 8 a.m.–10 p.m. ET, seven days a week.
Who this is for
A good fit: self-employed people, 1099 contractors, owner-only businesses with no group plan, anyone retiring before 65, and people between jobs who need coverage that outlasts COBRA. The common thread is buying on the individual market with income that may sit near the subsidy line.
Not a fit: if you are 65 or older, Medicare is the answer and enrollment is at medicare.gov or 1-800-MEDICARE. If your household clearly qualifies for a subsidy, HealthCare.gov is very often the best deal; an advisor can still enroll you there, but we will tell you that rather than steer you elsewhere. And if you have a serious health history, the marketplace's guaranteed-issue rules are worth more than any private-plan discount.
Frequently asked questions
Is SmartHealthMatch free?
Yes. The two-minute check and the advisor's comparison cost nothing. Advisors are paid by insurance carriers when you enroll, never by you, and the advice does not change if you decide to enroll on HealthCare.gov yourself.
Will my information be sold?
No. Your details go to one licensed advisor for Florida, not to a list of agents. SmartHealthMatch does not sell or share your information with other agents or lead buyers.
Do I have to answer health questions?
Not online. The check asks about your ZIP, situation and household, not your health. If a private underwritten plan looks worth pricing, the advisor explains what the carrier will ask before you apply. Marketplace plans on HealthCare.gov never ask health questions.
What if a marketplace plan is my best option?
Then that is the recommendation you get. For a household that qualifies for a subsidy, or anyone with a real health history, a HealthCare.gov plan usually wins, and the advisor can enroll you in it or point you to HealthCare.gov to do it yourself.
Can I get covered outside open enrollment in Florida?
Sometimes. HealthCare.gov open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; outside that window you need a qualifying event such as losing other coverage or moving. Private underwritten plans take applications year-round, subject to carrier approval, and can decline or exclude conditions.
Get an honest read on your Florida options — one licensed advisor, every major route compared, your info never sold.
Get my Florida numbers →Read the Florida guides: Self-employed health insurance in Florida · Retiring before 65 in Florida.
Sources: CMS QHP Landscape PY2026 (data.healthcare.gov) · Florida OIR, Individual PPACA Market Monthly Premiums PY2026 (floir.gov) · ACA Signups, Florida 2026 · KFF benchmark premiums · HHS 2025 poverty guidelines · KFF, July 28, 2026 · healthinsurance.org Florida · CMS statement, July 31, 2026 · KFF Medicaid expansion.