Health insurance for individuals & families across Florida
Self-employed, between jobs, or not covered at work? I'll help you compare Marketplace plans, check your doctors and prescriptions, and see what tax credits you may qualify for.
Already working with me? Sign the Marketplace consent form so I can help with your application.
How Marketplace coverage works
The ACA Marketplace (HealthCare.gov) is where Floridians under 65 can buy individual and family health plans and get help paying for them. HealthCare.gov is the official federal Marketplace. Jeff Messett Insurance is a licensed private agency, not HealthCare.gov or the government.
Tax credits can lower your premium
Based on your expected household income and size, you may qualify for advance premium tax credits that are paid straight to your insurance company each month. You settle up on your tax return.
Good to know: if your income qualifies, Silver plans can also come with lower deductibles and copays.
Plans by metal level
Bronze, Silver and Gold plans (and sometimes Platinum) split costs differently. Lower premiums usually mean higher costs when you get care. Networks matter too, so we check your doctors first.
Good to know: the cheapest premium isn't always the lowest total cost.
Every plan covers the essentials
All Marketplace plans cover essential health benefits like doctor visits, hospital care, prescriptions, maternity and preventive care. You can't be turned down or charged more for a pre-existing condition.
Good to know: plans and prices change every year, so it's worth a review each fall.
Key dates for 2027 coverage
For Florida and other states that use HealthCare.gov. The highlighted row is open now.
| Date | What it means |
|---|---|
| Nov 1, 2026 Open now | Open Enrollment starts. Enroll, renew or change plans for 2027. |
| Dec 15, 2026 | Last day to pick a plan for coverage that starts Jan 1, 2027. |
| Jan 15, 2027 Open now | Open Enrollment ends. Plans picked Dec 16 – Jan 15 start Feb 1, 2027. |
| Rest of the year | You can enroll or change plans only with a Special Enrollment Period, usually within 60 days of a qualifying life event. |
Source: HealthCare.gov and CMS statements of July 27 and Aug 4, 2026, checked Oct 6, 2026.
Lost your coverage or had a life change?
Outside Open Enrollment, certain life events open a Special Enrollment Period. You usually have 60 days to act.
- Losing job-based or other health coverage
- Moving to a new ZIP code or county with different plans
- Getting married, having a baby or adopting a child
- Income changes that affect what you qualify for
Turning 65 soon?
Medicare usually replaces your Marketplace plan. Start about 3 months before your 65th birthday month, so there's no gap and no overlap.
Marketplace consent form
Federal rules require your documented consent before an agent can help with your Marketplace application. It takes about a minute to review and sign online.
Sign the consent formHealth insurance questions, answered
Straight answers for individuals and families under 65.
When is Open Enrollment for 2027 coverage?
Nov 1, 2026 to Jan 15, 2027 in Florida and other HealthCare.gov states. Pick a plan by Dec 15 for coverage that starts Jan 1. Plans picked Dec 16 – Jan 15 start Feb 1.
Do I qualify for a tax credit?
It depends on your expected household income and household size for 2027. The rules can change from year to year, so I'll run the current numbers with you before you choose.
What if I lose my job in the middle of the year?
Losing job-based coverage usually qualifies you for a Special Enrollment Period. You typically have 60 days to pick a Marketplace plan.
Does it cost more to enroll through you?
No. Marketplace plan prices are the same whether you enroll on your own or with my help, and there's no fee for my help.
Get help with a Marketplace plan
Compare plans with someone local who will still pick up the phone after you enroll.