Paying too much to cover your family? Kyle Frank, a licensed broker in Sunrise, helps healthy Florida families find private health plans with lower premiums and broad doctor networks. It costs you nothing.
These are the moments when family coverage most often gets expensive or confusing.
Covering yourself through work may be affordable, but adding a spouse and kids can cost far more. It's worth comparing other options side by side.
No employer plan means picking one on your own. See our guide to health insurance for the self-employed, or self-employed health insurance in Florida.
Big life events usually let you enroll or change plans outside the normal enrollment window. These windows are short, so plan ahead.
Kids can usually stay on a parent's plan until 26. Here's what to do when they age off.
COBRA isn't your only choice, and it's often the most expensive. Compare COBRA and your other options.
For healthy families, a private plan is often the best place to start.
Private plans are priced on your family's health, not your income. Healthy families can often get better benefits for significantly less than Marketplace prices.
Many private plans come with broad doctor and hospital networks. Kyle checks that your pediatrician and family doctors are included before you decide.
Many private plans don't make you wait for open enrollment, so your family can get covered when you need it.
If your family earns too much for Marketplace premium help, a private plan can be a much better value.
If a private plan isn't the right fit, Kyle will tell you and walk you through these instead.
A good fit if someone in your family has a major health condition, or if your household income qualifies you for help paying the premium. Florida families shop through HealthCare.gov.
Depending on your income, your children may qualify for coverage through Florida KidCare, even if parents are on a different plan.
Sometimes the best answer is a mix, like one parent on a work plan and the rest of the family on another. We compare the total cost.
A low monthly cost isn't a good deal if the plan doesn't cover what your family needs.
Three simple steps. No pressure and no cost to you.
Tell Kyle who needs coverage, which doctors you want to keep, and your budget.
Kyle walks you through your options and what each one does and does not cover.
Kyle helps you enroll and stays available when you have questions later.
Private health plans are not ACA-compliant major medical plans. Benefits, exclusions, limits and underwriting vary by plan, they may not cover pre-existing conditions or all essential health benefits, and they are not eligible for ACA premium subsidies. Kyle explains exactly what a plan does and does not cover before you decide, and you should read the plan documents.
Kyle is based in Sunrise and works with families anywhere in Florida by phone or video, including Sunrise, Fort Lauderdale, Plantation, Weston, Pembroke Pines, Hollywood, Miami, Boca Raton, West Palm Beach, Orlando, Tampa and Jacksonville. He's also licensed in 30 other states.
Quick answers to what Florida families ask us most.
Private plans are usually a great fit for healthy families, self-employed parents, and families who earn too much to get help paying for a Marketplace plan. Kyle can tell you quickly whether your family is likely to qualify.
No. Private plans are priced on health instead of income, which is why healthy families can often save. They are not ACA-compliant major medical plans, so they may not cover pre-existing conditions or all essential health benefits, and they aren't eligible for ACA premium help. Kyle explains exactly what's covered before you decide.
Many private plans let you apply any time of year. Marketplace plans have open enrollment each fall, and outside that window you usually need a qualifying life event, like losing other coverage, getting married, or having a baby.
Yes. Families often split coverage, for example parents on one plan and kids on another, or one parent on a work plan. Kyle compares the total cost of each setup.
No. Kyle is based in Sunrise but helps families anywhere in Florida by phone or video, plus 30 other states.
No. Kyle is paid by the insurance carriers, not by you.
A free 15-minute call is all it takes. Kyle will walk you through your options.