ACA Marketplace Health Insurance FAQ — Miami, Florida The Health Experts Insurance helps individuals and families in Miami-Dade, Broward, and all of Florida navigate ACA Marketplace health insurance. Free consultations in English and Spanish at 1-800-380-6821. What is the ACA Marketplace? The ACA Marketplace, also known as the Health Insurance Exchange, is where individuals and families can shop for and enroll in health insurance plans that comply with the Affordable Care Act. In Florida, the Marketplace is accessed at healthcare.gov. When is ACA open enrollment in Florida? Open enrollment for ACA Marketplace plans in Florida runs from November 1 through January 15 each year. Coverage purchased by December 15 begins January 1. Coverage purchased between December 16 and January 15 begins February 1. What are ACA premium tax credits? Premium tax credits are subsidies that reduce your monthly health insurance premium. They are available to individuals and families whose income falls between 100% and 400% of the federal poverty level who do not have access to affordable employer-sponsored coverage. Do I qualify for ACA subsidies in Florida? Eligibility depends on your household income and size. For 2026, premium tax credits are available for individuals earning up to approximately $62,000 and families of four earning up to approximately $127,000 per year. Our licensed brokers check your eligibility at no cost. What is a Special Enrollment Period for ACA? A Special Enrollment Period allows you to enroll in ACA Marketplace coverage outside of open enrollment if you experience a qualifying life event such as losing job-based coverage, getting married, having a baby, moving to a new area, or gaining citizenship. What is the difference between Bronze, Silver, Gold, and Platinum plans? ACA plans are categorized into metal tiers. Bronze plans have the lowest premiums and highest out-of-pocket costs. Silver plans are mid-range and are required to receive Cost Sharing Reductions if eligible. Gold and Platinum plans have higher premiums and lower out-of-pocket costs. Can self-employed people get ACA Marketplace coverage? Yes. Self-employed individuals, freelancers, and 1099 workers in Florida can enroll in ACA Marketplace plans. Depending on your net income, you may qualify for significant premium tax credits. Our licensed brokers compare Marketplace and private options for self-employed clients at no cost. The Health Experts Insurance — 1695 NW 110 Ave, Suite 224, Doral, FL 33172 — 1-800-380-6821