The first step when purchasing medical insurance is determining which enrollment method is best for you. If your household income qualifies for Advanced Premium Tax Credits (subsidies), you must enroll through the Marketplace to take advantage of those credits. In addition, you may qualify for Cost Sharing Reductions to lower your out-of-pocket costs on a Silver metallic plan. In Florida, we use the Federally Facilitated Marketplace (FFM) to complete applications and enroll.
Typically, those that do not qualify for subsidies will enroll directly with the carrier of their choosing. This provides additional carrier and plan options that aren’t available on the Marketplace.
Whether you enroll through the Marketplace or directly through a carrier, you must enroll during the Open Enrollment period. Coverage can only be purchased outside of Open Enrollment if you qualify for a Special Enrollment Period.
Need Travel Insurance?
Click the Tokio Marine America logo to build your quote.
Health Insurance Specifications
Missed Open Enrollment or need temporary coverage for a few months?
Find out about Short Term Medical options that can be purchased year-round.
Let’s Get Started
Why do it alone?
We are compensated directly by insurance companies, therefore we never charge for any of our services. Whether you enroll on your own or with an agent, the rates remain the same.
Our relationship doesn’t end after you’re enrolled. We continue to be your primary contact for anything you might need.