We compare both ACA (Marketplace) and private options so you can pick what fits your needs and budget: ACA major-medical plans, private PPO/“long-term” plans, short-term medical, plus add-ons like dental, vision, accident, and critical-illness. We’ll show side-by-side costs and benefits so you can see the total cost of care (not just the premium).

ACA plans: Yes—pre-existing conditions are covered with no medical underwriting.
‍Short-term/limited medical: Typically exclude pre-existing conditions and may have look-back periods and waiting periods. We’ll flag these limits clearly before you enroll.

ACA plans: During Open Enrollment or if you qualify for a Special Enrollment Period (life events like moving, losing coverage, marriage, birth).
‍Short-term/private plans: Available year-round and can usually start quickly. We’ll confirm your earliest effective date by carrier.

Usually—if your providers are in-network and your medications are on the plan’s formulary. We’ll run provider and drug checks for you before you enroll and suggest comparable plans if a doctor or med isn’t covered.

Pricing depends on age, ZIP code, household size, tobacco status, and plan level. Many Floridians qualify for ACA tax credits that can lower premiums; private and short-term plans may have lower monthly costs but different out-of-pocket exposure. We’ll quote multiple options and explain premiums, deductibles, copays, and the maximum out-of-pocket in plain English.