Enroll in Health Insurance in Florida
There are two ways onto a Marketplace plan: Open Enrollment, which runs once a year, and a Special Enrollment Period, which a qualifying life event opens for you. Outside those windows you generally cannot enroll — so the first question is which one applies to you right now.
Worth Knowing
Two Doors In — Which One Is Open for You?
Open Enrollment
The annual window when anyone can enroll or switch plans, no reason required. For Florida, this runs on HealthCare.gov and typically opens on November 1. If you are reading this outside that window, you need the other door.
Special Enrollment Period
A 60-day window that opens when your life changes in a specific, qualifying way — losing coverage, moving, marrying, having a baby. Most people who enroll mid-year come through here. The clock is short, so do not sit on it.
You May Need to Prove It
The Marketplace can ask for documentation of your qualifying event and your income. An agent will tell you upfront what you need so your application is not suspended halfway through.
Mon–Fri 8am–8pm · Sat 9am–5pm ET
Qualifying Life Events
What Opens a Special Enrollment Period
If any of these happened to you in the last 60 days — or is about to — you can likely enroll right now, outside Open Enrollment. If none of them apply, an agent can tell you what your realistic options are rather than pretending you have one.
You lost health coverage
Left a job, were laid off, aged off a parent's plan at 26, lost Medicaid or CHIP eligibility, or a COBRA period ended. Voluntarily dropping a plan does not count.
You moved
A permanent move to a new ZIP or county with different plans available. You generally must have had coverage before the move.
You got married
Opens a window for both spouses. Coverage typically starts the first of the month after you enroll.
You had a baby, adopted, or placed a child in foster care
Coverage can be backdated to the date of birth or placement.
You got divorced or legally separated and lost coverage
The loss of coverage is what triggers the window, not the divorce itself.
Your household income changed
In some cases a change that affects your subsidy eligibility opens a window — worth asking about rather than assuming.
You became a U.S. citizen or lawfully present resident
Opens an enrollment window regardless of the time of year.
Simple Process
What Happens When You Call
Call a Licensed Agent
One call connects you with a licensed Florida health insurance agent. A real person, not a bot.
We Compare Every Plan
We check the plans available in your ZIP, confirm your doctors are in-network, and calculate the financial help you qualify for.
Enroll — or Don't
If a plan fits, we handle the paperwork and submit it on the call. If nothing fits, we tell you that. The call is free either way.
One call, and a licensed agent handles the rest.
Call (855) 459-0174Common Questions
Questions? We Have Answers.
Find Out If You Can Enroll Today
One call tells you which enrollment window is open to you, what you qualify for, and what your coverage would actually start. Free, and honest about it if the answer is no.