Florida Health Coverage

Coverage that makes
sense for your family.

We help Florida residents understand their options, compare real plans, and enroll without the confusion. No pressure, no jargon.

ACA Marketplace plans — every carrier in your zip code
Subsidy calculator — see if you qualify for reduced premiums
Licensed local advisors — real people, not call center scripts
Secure · No commitment
Compare plans in your area
Takes about 2 minutes. We'll match you to available options.

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Florida-based advisors
Your data stays private
No-cost plan comparison
Same-day callbacks available
Resources

Understanding your coverage

Plain-language guides on what matters most — written for Florida residents, not insurance professionals.

Open Enrollment

When Can You Sign Up for Health Insurance?

Open enrollment, special enrollment periods, and what happens if you miss the window — explained plainly.

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Subsidies

Do You Qualify for Help Paying Your Premium?

Most Florida families earning under $60,000 qualify for premium tax credits. Here's how to find out.

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Plan Types

HMO vs. PPO vs. EPO — What's the Difference?

Network types affect which doctors you can see and how much you pay out of pocket. Here's what each means.

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Costs

Why Did My Premium Go Up This Year?

Premium increases aren't random. Here are the real factors that affect what you pay, and what you can do about it.

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Basics

How to Read Your Explanation of Benefits (EOB)

That document your insurance sends after you get care is confusing on purpose. Here's how to decode it.

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Life Insurance

Term vs. Whole Life — Which One Do You Actually Need?

Most people are sold the wrong type. Here's a plain-language breakdown of what each does and who it's for.

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Process

How it works

No phone trees, no pressure. Just a simple conversation about what's right for your situation.

1

Tell us about your household

A quick form — your zip, income range, and coverage needs. Two minutes.

2

We find your options

A licensed advisor reviews every plan available in your area and matches your situation.

3

We walk you through it

No pressure. We explain what each plan covers, what you'd pay, and what the differences are.

4

You decide

When you're ready, we handle the enrollment. No forms to figure out on your own.

Ready to see what's available?

Most Florida families who compare plans find better coverage at the same price or less. It costs nothing to look.

Comparison is completely free
No obligation to enroll
Licensed Florida advisors only
Compare plans in your area

By submitting you consent to be contacted by phone, text, or email about insurance options. Std. rates apply. Reply STOP to opt out.

Sunstate Coverage is an independent insurance resource serving Florida residents. We are not affiliated with the federal government, HealthCare.gov, or any specific insurance carrier. Plan availability and pricing vary by zip code and eligibility. Licensed advisors are available in Florida. This site does not provide legal or financial advice.