ACA · Private Health · Discount Plans for Every Florida Family
Whether you need an ACA Marketplace plan, private health insurance, or a discount plan, our licensed agents compare options across dozens of carriers to find the right fit for your budget.
Trusted Health Insurance Carriers
Required Before Enrollment
CMS Marketplace Consent Form
Federal regulations require your signed consent before a licensed agent can assist you with Health Insurance Marketplace enrollment. Complete this quick, secure form to get started.
Why Choose Us for Health Insurance?
Our licensed Florida agents help you find the right coverage at the right price.
Plans for Every Budget
We compare ACA Marketplace plans, private health insurance, and discount plans to find the most affordable premiums, deductibles, and out-of-pocket maximums for your situation.
Keep Your Doctors
We help you find plans that include your preferred physicians and specialists so you never have to start over with a new provider.
HIPAA-Compliant Process
Your health information is handled with the highest level of privacy and security throughout the entire enrollment process.
Health Insurance Options
Every situation is different — we'll help you find the plan that fits your life and budget.
ACA Marketplace Plans
Federally subsidized plans through the Health Insurance Marketplace — comprehensive coverage with potential premium tax credits based on your income.
- Premium tax credits (subsidies) available
- Preventive care at no cost
- Prescription drug coverage
- Mental health & substance use
- Pre-existing conditions covered
Private Health Insurance
Full-coverage individual and family plans outside the Marketplace — ideal for those who don't qualify for subsidies or want more flexibility.
- Individual & family plans
- Broad carrier & network options
- Pediatric dental & vision
- Maternity & newborn care
- Dependent coverage to age 26
Discount Plans
Affordable membership-based plans that provide significant discounts on medical, dental, and vision services — not insurance, but real savings.
- No deductibles or copays
- Immediate activation
- Dental & vision discounts included
- Prescription savings
- No network restrictions
Dental Insurance
Stand-alone dental plans for individuals and families covering preventive, basic, and major dental services.
- Preventive care (cleanings, X-rays)
- Basic services (fillings, extractions)
- Major services (crowns, root canals)
- Orthodontics options available
- Individual & family plans
Vision Insurance
Affordable vision plans covering routine eye exams, prescription glasses, and contact lenses for the whole family.
- Annual eye exams covered
- Prescription eyeglasses
- Contact lens allowance
- Frames & lens upgrades
- Individual & family plans
Important Notice — Discount Health Plans
Discount health plans are not health insurance and do not satisfy the ACA minimum essential coverage requirement. They provide membership-based discounts on medical, dental, and vision services — they do not pay claims or cover medical expenses the way insurance does. If you need comprehensive health coverage, ask your agent about ACA Marketplace plans or private health insurance options.
Frequently Asked Questions
Have more questions? Call us at (716) 424-5479.
When can I enroll in a health insurance plan?
Open enrollment typically runs November 1 – January 15 in Florida. Outside of that, qualifying life events (job loss, marriage, birth of a child) trigger a Special Enrollment Period.
What is the difference between ACA Marketplace plans and private health insurance?
ACA Marketplace plans may qualify for federal subsidies (premium tax credits) based on your income. Private health insurance is purchased outside the Marketplace and offers more flexibility but without subsidies. Our agents will check your eligibility and recommend the best option.
What are Discount Plans?
Discount plans are membership programs — not insurance — that give you access to reduced rates on medical, dental, and vision services. They are ideal for those who need immediate, affordable access to care without the cost of a full insurance plan.
Does health insurance cover pre-existing conditions?
Yes. Under the Affordable Care Act, all marketplace plans must cover pre-existing conditions without charging higher premiums.
Do you offer stand-alone Dental and Vision plans?
Yes. We offer individual and family dental and vision plans that can be purchased on their own or bundled with a health plan. Ask your agent about available options in your area.
Serving South Florida & All of Florida
Licensed Florida agents based in Homestead, proudly serving families and businesses across Miami-Dade, Broward, Palm Beach, and Monroe counties — and statewide.
Bilingual Service — English & Spanish
Our agents are fully bilingual. Whether you prefer English or Spanish, you'll get the same expert guidance, clear explanations, and personal attention — in the language you're most comfortable with.
Florida-Licensed & Independently Owned
We're not a call center. We're a locally-owned, Florida-licensed agency based in Homestead — your neighbors, not a 1-800 number. We know the Florida market, the carriers, and the communities we serve.
What Our Clients Are Saying
Real reviews from real Florida families — straight from Google.
Yamilka García Gil
May 2026
"Excellent service! He was extremely efficient, professional, and attentive throughout the entire process. He took the time to carefully understand both my child's and my needs and worked hard to find the best insurance options for us. I truly appreciated his patience, knowledge, and dedication. I highly recommend him to anyone looking for reliable and personalized help with health insurance."
Yt Capolot
June 2026
Jamie helped a lot — fast responder and gets the best plans for you and your loved ones. Would recommend 100 percent.
Sinahi Cardero
May 2026
Thanks to Jaime and his team at Just Insurance Services for all the help with my health and car insurance. I highly recommend them! They are very professional.
Leydis Ricardo Santiesteban
October 2025
I want to thank the team for their excellent service. They treated me with great courtesy and efficiency, and helped me at every turn. It was a very good experience.
Nathalia Vargas
September 2025
The person who helped me through the process of getting the health insurance that best suited my personal medical needs was extremely professional, respectful, and able to answer all my questions. Thank God and him, I'll soon be able to see the specialists I need!
Marlon Vazquez
September 2025
Very friendly and very good service. Thank you!
Also Explore
We review all your coverage together — so nothing falls through the cracks.
Ready to get covered?
Get a free, no-obligation quote today. A licensed Florida agent will reach out within 1 business day.
Related Resources
ACA Open Enrollment Guide
Deadlines, subsidy rules, and how to pick the right ACA plan in Florida.
Free ACA Subsidy Review
Find out if you qualify for premium tax credits — free 15-minute review.
Florida Health Insurance Guide
How to navigate Florida's health insurance market and maximize your ACA benefits.
JustShield™ Protection Score
Free 8-step coverage review — find gaps across health, life, and property.