Compare Affordable Health Options in Florida!
The Affordable Care Act, also known as "Obamacare", was developed to help individuals access affordable health insurance through a health insurance marketplace where Americans can purchase federally regulated and subsidized health insurance during open enrollment.
In order to qualify, you must sign up during Open Enrollment but could still be eligible if you had a qualifying life event such as changing jobs, getting married/divorced, moving, etc. We’ll help determine if you are eligible and find you the best plan in any case.
Finding the right plan can be difficult. Each plan has its pros and cons, especially considering how costs can greatly range - depending on the plan's deductibles, co-pays, premiums, provider networks, to name a few.
Wise Multi-Services works with dozens of health insurance carriers making it easy for you to compare several health insurance options.
To get started, contact our office and tell us about yourself. If qualified for an Affordable Care Act health plan, you can work with all of the health carriers listed to compare plans and prices. Once you provide us with the information required on our form, we attempt to match you with appropriate insurance, carriers to help you acquire the best health insurance.
3 things to know before you pick a health insurance plan
- The 4 “metal” categories: There are 4 categories of health insurance plans: Bronze, Silver, Gold, and Platinum. These categories show how you and your plan share costs. Plan categories have nothing to do with quality of care.
- Your total costs for health care: You pay a monthly bill to your insurance company (a “premium”), even if you don’t use medical services that month. You pay out-of-pocket costs, including a
, when you get care. It’s important to think about both kinds of costs when shopping for a plan.
- Plan and network types — HMO, PPO, POS
A type of plan in which you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans also require you to get a referral from your primary care doctor in order to see a specialist.
Refer to glossary for more details., and EPO: Some plan types allow you to use almost any doctor or health care facility. Others limit your choices or charge you more if you use providers outside their network.
Health plan categories: Bronze, Silver, Gold & Platinum
How do I pick a plan category?
- Your total spending on health care, not just the premium
. Review plans in different categories to see how the plan’s share of costs can adjust the estimate for your total yearly costs. Get more details to estimate your total yearly costs. - Enrolling in a Silver plan if you qualify for extra savings. You’ll find out if you qualify for “extra savings” when you apply for a Marketplace plan. You only get the extra savings if you enroll in a Silver plan.
- The premium tax credit. You’ll also find out if you qualify for a premium tax credit when you apply for a Marketplace plan. If you qualify, you can get lower premium costs in any metal plan category.
- Coverage. All Marketplace plans in every plan category must cover the same 10 essential health benefits, including preventive services. Many plans also offer programs that help manage chronic diseases and health conditions before you meet your deductible. Discover what Marketplace plans cover.
- Quality of care. Compare each plan’s quality with their, a star rating on a scale of 1-5. The name of a plan category has nothing to do with its quality of care.
Get In Touch with an Agent Today
Frequently Ask Questions
Some description text for this item
You can search, compare, and assess providers, hospitals, and other care facilities using these tools.
Use this quick tool to see if your income estimate falls in the range for a premium tax credit and cost-sharing reductions. The type of savings you qualify for may affect which plan category is the best fit for you.
Meet Our Team
Licensed Agents at Wise Multi-Services
Lena Lewis
Consectetur adipiscing elit, sed do euism onsectetur adipiscing elit, sed.
Wisner Jean
Consectetur adipiscing elit, sed do euism onsectetur adipiscing elit, sed.
Lola Carter
Consectetur adipiscing elit, sed do euism onsectetur adipiscing elit, sed.