2018 Enrollment Period


2018 Open Enrollment



Renewal letters for 2018 Open Enrollment are currently being mailed to you by Federal Marketplace. We want to make sure you are aware of what you are receiving, so you can make a right decision about your  health insurance coverage. If you have changes to income, family size, household demographic or want to shop for a new plan, you should Actively Renew with our help.

The Centers for Medicare & Medicaid Services (CMS) is committed to making Marketplace enrollment easier for consumers! During Open Enrollment, CMS will support a streamlined Direct Enrollment (DE) Pathway for approved issuers and web-brokers to help consumers shop for and enroll in Marketplace coverage.

The improved DE Pathway will provide consumers a more direct and easy-to-use route for getting health and/or dental coverage by eliminating the need to log into the Marketplace when enrolling a client on an approved DE partner’s website. Simply said our CMS approved third party software is going to make it easier to enroll.

As we approach Open Enrollment Period we will send you reminders as well and you will be able to set an appointment in person or by phone.

To set an appointment call 954-312-7312 or click on image below:

You can get your health insurance quote by clicking on image bellow:


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Health Insurance Basics

 Health Insurance Basics

Obamacare Health insurance

Premium – The monthly cost you must pay to maintain your health insurance coverage. This is often referred to as “monthly premium”.

Copayments and coinsurance – Payments you make each time you get a medical service.

Deductible – How much you have to first spend on covered services before the insurance company pays a portion of the covered services, except for free preventive services.

Out-of-pocket maximum – The most you have to spend on covered services in a year. After you reach this amount, the insurance company pays 100% for covered services.

Quote – Health insurance companies are required to give you an accurate estimate of what you should expect to pay as well as the terms of your health insurance plan, should you decide to do business with them.

Penalty – For the 2018 tax year and beyond, the penalty will remain at 2.5 percent, but the flat and maximum amounts ( 2017 – $695 per adult (whichever is more) and the penalty for each child in the family without coverage will be up to $347.50. The maximum penalty is set at $2,085) will adjust for inflation.

Open enrollment starts Nov. 1, 2017, and continues through Dec. 15, 2017. If you miss open enrollment you might not be able to sign up for health insurance exept if you qualify for special enrollment period,some states are extending enrollment period – California – Nov. 1 to Jan. 31, Colorado – Nov. 1 to Jan. 12, D.C. – Nov. 1 to Jan. 31, Massachusetts – Nov. 1 to Jan. 31, Minnesota – Nov. 1 to Jan. 14, Washington – Nov. 1 to Jan. 15

If you have any questions you can call: 954-312-7312 or email at: info@uib.agency






What Are Dental Savings Plans?

A dental savings plan functions a lot like a membership at a warehouse club. You pay an annual fee and get access to significantly reduced rates. And dental savings plans offer many benefits over traditional dental insurance. Things like no annual caps or limits and absolutely no paperwork.

Choose from 30+ different plans from the healthcare brands you already know and trust like Cigna, Aetna and more. We have affordable plans to fit any need and budget. And, depending on the plan you choose, you’ll save 10% to 60% on your next visit.

Our plans cover more than 100,000 dentists nationwide. These quality providers have agreed to charge reduced fees on the dental services you need. So you’ll get the quality care you deserve at a bigger savings than you ever imagined possible.

Chose the best plan for you HERE 

New Address

We are proud to announce that we are moving to a new address as of February 1 2017:

3213 N Ocean Blvd

Ste 9 (second floor)

Fort Lauderdale Fl, 33308

All our client will have easy access to our new office.

We are looking forward to continue to serve you as your insurance broker.

Dental Plans Veterans Day Sale

dental insurance

Get 3 months extra coverage free when you sign up for a dental plan. Don’t delay – sale ends November 14th, 2016.

Click HERE or call at 954-312-7312

Special promotions including, but not limited to, additional months free are not available to California residents or on fully insured plans.
Savings plans are not insurance and the savings will vary by provider, plan and zip code. Please consult with the respective plan detail page for additional plan terms. Note — not all plans and offers available in all markets.

Short Term Medical Insurance

If you are between jobs or do not have health insurance Short Term medical insurance might be a solution for you.

You can get a quote form United Healthcare in minutes, you can shop for a single product or in bundles .

Short Term plans are designed to provide insurance coverage for a shorter amount of time. This type of coverage is ideal for:

  • Employees in between jobs
  • Self-employed individuals
  • Unemployed individuals and their families
  • College graduates and other young adults not eligible to be on their parents’ plan.
  • Those who miss open-enrollment and still need health insurance coverage

Advantages of UnitedHealthOne® Short Term MedicalSM:

  • Flexible coverage lengths – from 30-360 days Budget friendly premiums
  • Next day coverage – no waiting period
  • Multiple plans available to find coverage to fit your needs
  • Access to a nationwide network of doctors and hospitals, with no PCP or referrals required

Apply for a Short Term plan any time of year!

2017 Health Insurance Plans Open Enrollment Period

Open enrollment period for 2017 health insurance plans is scheduled to begin on November 1,/2016 and ends January 31/2017.
If you are doing your own search for health insurance, it’s important that you pay attention to changes in prices, are your doctors still in the network, is your plan from previous year available on marketplace.
During open enrollment you cannot be turned down for major medical coverage for not having certain qualifying life events.
After open enrollment period you can generally only enroll in a major medical plan when you experience a qualifying life event for example a marriage, divorce, new baby, adoption, permanent move, loss of other coverage, etc.
If you don’t have health insurance plan you could potentially face tax penalties on your federal tax return for 2017.

Health insurance, obamacare


Why should you shop for an insurance plan

Change in cost and benefits: insurance carriers might change prices, benefits, doctors access, etc.

Plan cancellations: some plans won’t be available in 2017

Your needs might change: you and your family might have different coverage needs.

Obamacare subsidies change: your tax credit eligibility (subsidies) might change.


Why should you consider our help:

We have licensed agents available to provide you with personal help and advice when you need it, at no extra cost to you.
We can help you with Obamacare on and off exchange plans and other plans that are not available on government exchanges.

Click on the link below and book an appointment at no cost to you.
Book an appointment using SetMore

Health Insurance Enrollment Period 2017 Around The Corner…



It is that time again, new open enrollment period it’s about to start on November 1 and it will be open to January 31.

There are many changes on Marketplace, some of the insurance carriers are pulling out On-exchange Marketplace plans for 2017.

You need to review plans available and to make sure that you have the best plan for your needs.

Make arraignments and make an appointment to review available plans, we are here to help you. You can make an appointment by going here: Make an appointment.

Tax Refund SUPER Sale!

Start your dental savings by signing up on www.usadentalinsurance.us website or you can join over the phone by calling 1-954-312-7312  and mentioning the coupon code TAX99 and your Broker ID 83722.

Up To 15% OFF All Dental Savings Plans PLUS 1 Month FREE

Sale runs April 11 through April 15 at Midnight ET

Phone number: 954-312-7312
*Offer not available to CA residents

Dental insurance

Special promotions including, but not limited to, additional months free are not available to California residents or on fully insured plans.
Savings plans are not insurance and the savings will vary by provider, plan and zip code. Please consult with the respective plan detail page for additional plan terms. Note — not all plans and offers available in all markets.