Bronze
Covers about 60%
Lowest monthly premium, highest costs when you use it.
- Fits
- Healthy, low usage, wants a floor under the worst case.
- Watch for
- Cost-sharing reductions do not attach to Bronze.
Open Enrollment runs Nov 1 to Jan 15
You call.We do the rest.It costs you nothing.
Licensed ACA agents in Miami, in English or Spanish. We check what you qualify for and enroll you.
Free, licensed and never pushy.
- 4,100+
- Miami households enrolled
- 2
- Languages, both fluent
- $0
- What our help costs you
- 9 yrs
- On this one block
Four steps to covered
It is shorter than you think.
Most people finish on the first call. If we need a document from you, we tell you exactly which one and why.
You call, or we call you
One number, a real person, no phone tree. Tell us who is in the household and roughly what comes in each month.
We check what you qualify for
Premium tax credit, cost-sharing reductions, or Medicaid and Florida KidCare if that fits better. We say which, out loud.
We compare real plans
We look up your doctors and your prescriptions before we recommend anything, because a cheap plan your clinic does not take is not cheap.
We enroll you and stay reachable
We submit it with you on the line, send you the confirmation, and answer the phone in March when a bill confuses you.
Six kinds of household, one phone number.
Drag the wheel, or use the arrow keys.
Hover a coin to read it. Drag to spin.
Bronze, Silver, Gold. What the colours actually mean.
The metal is not the quality of the plan. It is the split between what you pay monthly and what you pay when you use it.
Start here
Silver
Covers about 70%
The only tier that carries cost-sharing reductions.
- Fits
- Most of the households we enroll. Check this tier first.
- Watch for
- The extra help is invisible on comparison sites unless you enter income.
Gold
Covers about 80%
Higher premium, much less to pay at the counter.
- Fits
- Regular care, known prescriptions, a specialist you see often.
- Watch for
- Worth pricing against Silver every single year.
Platinum
Covers about 90%
The highest premium and the smallest bills. Rare in Florida.
- Fits
- Heavy, predictable medical use and a stable income.
- Watch for
- Often not offered in Miami-Dade at all.
Most people we enroll pay far less than the sticker price.
There are two separate savings on Marketplace plans and they work differently. The premium tax credit lowers what you pay each month. Cost-sharing reductions lower your deductible and your copays, and they only attach to Silver plans. You can qualify for one, both, or neither.
- Your credit is based on your household income, your household size and the benchmark Silver plan where you live.
- Cost-sharing reductions are Silver-only. Picking Bronze to save $20 a month can quietly cost you the bigger discount.
- The numbers move every year. We recheck yours at renewal instead of letting it roll.
If a free programme fits better, we say so.
Florida did not expand Medicaid, so there is a gap where some adults earn too little for a Marketplace credit and too much for Medicaid. Children are different: Florida KidCare covers a lot of families who assume they earn too much. We check that first, before we quote you anything.
Medicaid and CHIP in FloridaThese are the people who answer.
Four licensed agents. You get a name and a direct extension, not a queue.
Rafael O.HialeahEsperanza C.WestchesterNathalie J.North MiamiDayana R.KendallOsmany P.Little HavanaKettia D.El PortalYisel M.Coral GablesAdonis F.HomesteadMireya S.Doral
What people say afterwards
Nobody enjoys this call. They enjoy having made it.
The questions we get on almost every call.
What does your help cost me?
Nothing. The carrier pays us a commission set by the state when you enroll, and it is the same commission whichever plan you choose. Your premium is not higher for using an agent than for enrolling yourself on HealthCare.gov.
When can I enroll?
Open Enrollment for a Marketplace plan runs from November 1 to January 15. Enroll by December 15 and coverage generally starts January 1; after that it usually starts February 1. Outside those dates you need a qualifying life event, which opens a 60-day Special Enrollment Period.
What counts as a qualifying life event?
Losing other coverage, moving, getting married, having or adopting a child, certain income changes, gaining citizenship or lawful presence, and leaving incarceration are the common ones. Choosing to drop your coverage does not count, and neither does simply getting sick.
How is my subsidy worked out?
The premium tax credit is based on your household income, your household size and the cost of the benchmark Silver plan in your county. Separately, if your income falls roughly between 100% and 250% of the federal poverty level, a Silver plan also carries cost-sharing reductions that lower your deductible and copays.
I think I earn too little to qualify. What then?
That is the Florida coverage gap and it is real. Premium tax credits start at 100% of the federal poverty level, and Florida did not expand Medicaid to cover adults below that. Children are usually a different story: Florida KidCare covers many families who assume they earn too much. Call and we will check the household properly.
Pick up the phone. We will take it from here.
Mon to Fri, 9am to 7pm. Saturdays until 2pm. Ask for English or Spanish, either is fine.