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2018 Health Insurance Plans

In Florida you can get $0.00 premium plans if qualified. With rise of 2018 health plans premiums many Floridians are afraid that they will not be able to get affordable health insurance premiums for 2018 health plans, they don’t know that  subsidy they receive will rise too.

There are challenges including rising premiums, a shorter window to sign up, and confusion over the status of Obamacare.

And that’s drowning out what should be a positive message for most of Florida’s 1.4 million Obamacare consumers — that subsidies will rise to compensate for higher premiums, making better coverage more affordable for many.

Single person with $20.000 yearly income might find out that subsidy for next year is larger than previous year.

Insurers introduced large number of different plans that can fit different needs and budget.

We have seen some plan premiums go down to $0 for qualified marketplace consumers.

If you have any questions please submit the form bellow:

Do I Pay Penalty If I Don’t Have Health Insurance?


Image result for penalty

Yes, yes and yes. It is still required to have health insurance that meets the minimum coverage standards set by the Affordable Care Act.

If you don’t have insurance, you’ll pay a fine unless you qualify for an exemption.  Earlier this month the IRS issued its latest decree: It said it would reject electronically filed tax returns of individuals who did not check the box indicating that they and everyone on their return is covered—unless they qualify for an exemption.

For 2018, the penalty is $695 for each adult and $347.50 for each child without insurance. The amount is capped at $2,085 per family, or 2.5 percent of your family income, whichever is higher.

If you have any questions you can submit the form bellow:


The IRS is warning tax professionals that it will block or suspend processing of 2017 income tax returns that do not comply with Obamacare rules requiring filers to disclose their health insurance status.

The new move to tighten Americans’ compliance with the Affordable Care Act comes even as the Trump administration takes steps to undercut it.

“Taxpayers remain obligated to follow the law and pay what they may owe at the point of filing,” the IRS said in a description of the new policy.

The ACA requires most people to have some form of health insurance coverage or pay a tax penalty — a requirement known as Obamacare’s individual mandate.

Read more

Affordable Care Act Quote

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:






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.