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Health insurance in Florida Obamacare and more
YR Insurance Services Florida — Tu Agencia de Seguro de Salud en Español
We can get you an ACA Marketplace plan with or without a subsidy. We also offer Short Term, Medicare Advantage, dental, vision, and supplement plans. 100% Spanish-speaking service.
- ACA Marketplace
- Subsidy (PTC) we calculate
- Dental + Vision
- Medicare 65+
★★★★★4.9 / 5.0 · 1,690 Google reviews
Get a quote for your health
Free · No obligation · We'll calculate your subsidy
Start a free quote →🔒 Secure data · We never share it
Coverage for you and your family
What health insurance do you need?
🏥
ACA Marketplace (Obamacare)
The most common plan for Hispanics in Florida. With the Premium Tax Credit, many pay less. Open Enrollment: November 1–January 15 + Special Enrollment.
Most popular⏱️
Short Term Health
Temporary coverage (1–12 months) between jobs or while waiting for the Marketplace. Cheaper but does NOT cover pre-existing conditions. Useful for gaps.
Temporary👵
Medicare Advantage (65+)
Do you have Medicare? We can get you an MA plan with a wider network, dental coverage, gym membership, and transportation. We specialize in Humana, Aetna, and UnitedHealthcare.
65+ years🦷
Dental + Vision
Stand-alone or add-on to your main plan. Includes cleaning twice a year, partial orthodontics, and lenses/contacts.
🌎
For undocumented immigrants
Have you just arrived in the USA or are you undocumented? There are alternatives: Short TermMedical discount plans, community health centers (FQHC) With rates based on your income, and disaster relief plans. We'll guide you with no obligation.
No papers OK✈️
Travel Health + Visitors
For family visiting the USA (B1/B2 visa). Emergency medical coverage + repatriation. Required for some visas.
Visitors"I qualified for the subsidy and payment $30/month for my whole family."
— YR Customer · ACA Marketplace in Florida · ★★★★★ Google review
Why Florida families choose YR
many pay
Many pay with an ACA subsidy.
15+
Florida health insurers
Year
registration + SEP all year round
1,690
5★ Google reviews
Frequently Asked Questions
Health insurance in Florida — the most frequently asked question
How much does Obamacare cost in Florida?
With government subsidy (PTC), Many Hispanics pay very little or Depending on income and family composition. Without subsidy: the price varies. We'll calculate it for free in 5 minutes—we just need your 2025 income.
Do I qualify for a subsidy if I don't have a green card?
Yes, if you have current legal statusTPS, asylum, parole, work permit, F-1, etc. Tourists and undocumented immigrants do NOT qualify. We will confirm this in the quote.
I missed the Open Enrollment — what do I do?
You have the right to Special Enrollment (SEP) If you've had a qualifying life event in the last 60 days—job loss, marriage, birth of a baby, moving, divorce, or arrival in the USA—we can help you confirm.
Do they have a health plan without Obamacare?
Yes — Short Term Health (month-to-month), Christian healthshare, Cash-pay with direct discounts to hospitals. Each has its pros and cons. We'll explain in Spanish which one is right for you.
Do you cover appointments with doctors in Florida?
Almost all ACA plans in FL work with the network of Jackson Memorial, Baptist Health, Mount Sinai, Memorial Healthcare and clinics in Florida. We'll verify that your current doctor is in-network.
I am undocumented, what health insurance options do I have?
Even if you don't qualify for Obamacare, there are real options: 1) Short Term Health (1–12 months), 2) Medical discount plans (not insurance, but they reduce costs on consultations and medications), 3) FQHC community centers with income-based fees, 4) Florida state/county programs in some specific cases. We help you navigate the options without judgment.
Can you handle the Healthcare.gov paperwork for me?
Yes. We are. FFM certified agentsYou just give us your information and we'll complete the application at healthcare.gov and activate your plan. At no extra cost.
Ready for your health insurance in Florida?
Free quote · We calculate your subsidy · Customer service in Spanish
OFFICIAL AGENCY
YR Insurance Services Florida
YR Insurance Services is your bilingual agency specializing in health insurance in Florida Since 2012, we compare policies from Oscar, Ambetter, Molina, Aetna CVS, and Florida Blue to find the best option for you. Florida health insurance more economical — ACA Obamacare Marketplace, Short-Term, Medicare, Dental and Vision coverage.
Our agency YR Insurance Services Florida She has 14 years of experience helping Hispanic families understand insurance policies. health insurance in Florida No fine print. Get a Florida health insurance quote today and receive a response within 24 hours.
14 years in Florida+1,690 reviews 5.0Bilingual ES/EN
Health insurance in Florida: Obamacare, ACA, and undocumented options
EN YR Insurance Services We help you achieve health insurance in Florida that fits your situation: Obamacare/ACA marketplace, individual or family plans, short-term plans, and options for those who don't qualify for subsidies. We work with Oscar, Ambetter, Molina, Aetna, Cigna, and more—in Spanish, in Hialeah, Miami, and throughout Florida.
When can I enroll in Obamacare (ACA)?
During Open Enrollment or with a special life event. See dates and subsidies in our ACA Open Enrollment Guide in Florida.
What if I don't qualify for subsidies or I'm between jobs?
There are short-term health plans and other options that can cover you in the meantime. We'll explain which one is right for you based on your income and your family.
Are there health options for undocumented people or those with an ITIN?
Yes, there are options depending on your situation (private plans, community clinics, coverage for children). Talk to us in Spanish and we'll guide you with no obligation.
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Check out our guides on ACA Obamacare, Open Enrollment, Medicare, short-term plans, and everything you need to choose your best health coverage in Florida.
More Health Care Options in Florida
Beyond traditional Obamacare, these are the alternatives that many Hispanics in Florida are unaware of.
Short Term Plan (6 months)
Coverage while you wait for Open Enrollment or change jobs. Ideal if you lost your group insurance or don't currently qualify for Obamacare.
- Duration: up to 6 months (renewable depending on the situation)
- Activation: 24-48 hours
- Price: from $40-90/month
- Covers: emergencies, hospitalization, network doctors
- It does NOT cover: pre-existing conditions or maternity
Open Enrollment ACA 2027
New dates: November 1 to December 15, 2026 (shorter than in previous years). If you want coverage from 2027 onwards, you must apply within that window.
- 16 companies available in Florida
- Subsidies available if income qualifies
- Coverage begins: January 1, 2027
- Application: 100% in Spanish with YR
Healthcare Companies We Represent
Oscar Health
Ambetter
Molina Healthcare
Aetna CVS
Cigna
UnitedHealthcare
Florida Blue
AvMed
Other coverages that may also interest you
Salud · YR Insurance Services
Health insurance, dental insurance, and ACA plans
We compare over 100 insurance companies in Florida and find you the best deal. No tricks, no fine print.
Obamacare (ACA)
Federal marketplace plan with subsidies. Open enrollment Nov-Jan, special enrollment year-round.
Individual
Private plan outside the marketplace · ideal if you don't qualify for a subsidy.
Group (4+ employees)
Group coverage for companies with 4 or more employees.
Short Term (6 months)
Bridge coverage between jobs or while you wait for Obamacare.
Dental
Cleaning, whitening, orthodontics, endodontics and prosthetics.
Medical Plan (discounts)
Access to a network of discounts on consultations, prescriptions, and specialists.
We work with the best insurance companies
Ambetter SunshineOscarMolina HealthcareAetna CVS HealthCignaUnited HealthcareAvMed