Health Insurance for Individuals & Families — Across 31 States

Absolutely. Sofia is licensed in 31 states and works remotely with clients nationwide. Whether you're in Wisconsin, Texas, or anywhere in between, she can help you find the right plan.

Each plan type controls how you access providers and specialists. HMO plans require a primary care physician who coordinates your care and provides referrals — lower premiums, less flexibility. PPO plans offer the most freedom: see any provider in or out of network without a referral, though out-of-network care costs more. EPO plans mirror the PPO structure but limit coverage strictly to in-network providers. POS plans blend both: you choose a PCP like an HMO but can go out-of-network with a referral. The right fit depends on which doctors you want to keep, how often you need specialist care, and your monthly budget.

Open enrollment for ACA marketplace plans in Florida typically runs November 1 through January 15. Outside that window, you can only enroll if you qualify for a Special Enrollment Period (SEP) — triggered by events like losing job-based coverage, getting married, having a baby, or moving. If you've recently left a job, aged off a parent's plan, or had COBRA become too expensive, you likely qualify. A licensed agent can confirm your eligibility quickly and help you avoid a gap in coverage.

You have solid options. During open enrollment — or a qualifying SEP — you can shop ACA marketplace plans, and depending on your income, you may qualify for premium tax credits that meaningfully reduce your monthly cost. Self-employed individuals can often deduct health insurance premiums from their taxable income as well. The key is comparing carriers and plan types available in your ZIP code to find coverage that actually fits your needs without overpaying. An independent agent does this comparison for you at no charge.

The premium is just the starting point. Also review the deductible (what you pay before coverage kicks in), the out-of-pocket maximum (your annual cost ceiling), copays and coinsurance for visits and prescriptions, whether your current doctors are in-network, and how your medications are covered under the plan's drug formulary. A low-premium plan with a high deductible can cost significantly more if you actually use your coverage. The goal is finding the right balance between what you pay monthly and what you'd owe if something unexpected happened.

Both situations qualify you for a Special Enrollment Period, giving you 60 days to enroll in a marketplace plan. In many cases, an ACA plan can match or exceed your previous employer coverage at a fraction of what COBRA costs — especially if you qualify for income-based subsidies. It's worth comparing your marketplace options before assuming COBRA is your only path, because the monthly cost difference can be significant. Acting within the 60-day window is important: missing it means waiting for the next open enrollment period.

Yes — family health plans cover you, your spouse, and eligible dependents under a single policy. Family plans have both individual and combined family deductibles and out-of-pocket maximums, so it's important to understand how costs accumulate across household members. If family members have different health needs, comparing a family plan against individual plans side by side often reveals better value. Sofia can walk through both scenarios to help you find the most cost-effective option for your household.

No — working with a licensed agent costs you nothing. Agents are compensated directly by the insurance carriers, so you pay the same premium whether you apply through an agent or go directly to the carrier. What you gain is someone who compares plans across multiple carriers on your behalf, explains your options in plain language, and stays available to answer questions throughout the year — not just at enrollment time. Same price, with significantly more support.