HEALTH. LIFE. COVERED
Florida Health & Life Insurance Made Simple
Did you know?
Many Floridians qualify for ACA / Obamacare plans under $10 per month!
Conveniently serving all of Florida
PERSONALIZED HELP
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FAST RESPONSE TIMES
HABLAMOS ESPAÑOL
Insurance Made Easy
From start to finish, we make it easy find the right coverage for you.
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Speak with a Bilingual Advisor
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We’ll find the best plans
Covered
Enroll in as little as 15 minutes
Why Choose
SFLA?
Plans That Fit You
We compare top-rated insurance providers to match you with the plan that fits your life and budget.
Advice You Can Trust
Our licensed Florida advisors work for you, not the insurance companies. You get honest advice, always.
Support Year Round
From sign-up to questions later, we make sure you’re never left on your own.
What Our Clients Say About Working With SFLA Insurance
ACA/Marketplace Enrollment
“I was completely lost trying to figure out the Health Insurance Marketplace in Florida. SFLA Insurance walked me through step by step, explained the subsidies I qualified for, and helped me enroll in an affordable family health plan. Now my kids are fully covered, and I’m paying way less than I expected.”
Smooth Enrollment
“I had an excellent experience with this life and health insurance company. The team was professional, knowledgeable, and genuinely cared about helping me find the best coverage for my needs and budget. They took the time to explain all my options clearly and answered every question with patience and honesty.
Family with Children
“When my husband lost his job, we were panicking about losing our health insurance. SFLA Insurance helped us get immediate ACA coverage in Florida so our kids wouldn’t go without doctors or prescriptions. Their team treated us like family and kept us updated the entire time.”
Bilingual Support
“Finding health insurance in South Florida felt overwhelming until I met the advisors at SFLA Insurance. They explained everything clearly in Spanish and made sure my whole family understood the process. Thanks to them, I found an ACA plan with dental and vision benefits that we actually use.”
Coverage You Can Count On
We partner with highly rated insurance companies so you get coverage that’s affordable, dependable, and easy to understand.
A few of our trusted partners:
Health Insurance FAQs: Coverage, Costs, Eligibility, and Enrollment
Get answers to common questions about Obamacare, Medicaid, and Special Enrollment. Hablamos Español.
Obamacare / Marketplace Plans
Obamacare is the nickname for the Affordable Care Act (ACA). It lets individuals and families shop for health insurance through the Health Insurance Marketplace, often with income-based discounts that lower monthly costs. You choose a plan, enroll, and your coverage starts as long as you qualify and apply on time.
You usually qualify if you live in Florida, are a U.S. citizen or legal resident, and don’t have affordable coverage through a job. Your income and household size determine what plans and savings you’re eligible for.
Yes. Many people qualify for $0 or very low monthly premium plans because of government subsidies. The exact amount depends on your income, age, and location, but $0 plans are common for eligible households.
Yes. Marketplace plans must be reviewed and renewed every year because prices, benefits, and subsidies can change. Reapplying helps make sure you’re still getting the best coverage at the lowest cost.
Medicaid Transition Help
You typically have 60 days after your Medicaid ends to apply for a Marketplace plan. Missing this window could mean waiting months for coverage, so timing matters.
If you lost Medicaid, you’re not out of options. Losing Medicaid usually qualifies you for a Special Enrollment Period, which allows you to enroll in a Marketplace health plan right away.
Possibly, but many people are surprised how affordable Marketplace plans can be, especially with subsidies. Some plans cost very little per month and still offer strong coverage.
Most people need proof of income, loss of Medicaid coverage, and basic household information. An advisor can help you figure out exactly what’s needed so nothing slows you down.
Special Enrollment Period (SEP)
You can apply online, but many people choose to speak with a licensed advisor to avoid mistakes, find better savings, and make sure their plan actually fits their needs.
A Special Enrollment Period is a limited-time window that lets you enroll in health insurance outside the regular open enrollment period when you experience a major life change.
Common SEP triggers include losing Medicaid, losing job-based coverage, moving, getting married, having a baby, or other qualifying life events.
Most SEPs last 60 days from the date of the qualifying event. Once it ends, you usually must wait until the next Open Enrollment period to apply.
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