Pre-Existing Conditions Covered
Marketplace plans cannot deny coverage or charge more because of a pre-existing medical condition.
Compare ACA Marketplace plans available in your area and find out whether you may qualify for premium tax credits. Trattner Insurance Group provides clear, personalized guidance to help you choose coverage that fits your healthcare needs and budget.
The Health Insurance Marketplace allows eligible individuals and families to compare and enroll in private health insurance plans that comply with Affordable Care Act requirements.
Marketplace plans cover essential health benefits, including preventive services, hospitalization, prescription medications, emergency care, mental health services, and maternity care.
Depending on your projected household income, household size, and other eligibility factors, you may qualify for a premium tax credit that reduces your monthly insurance premium.
Marketplace coverage provides important consumer protections and comprehensive benefits for eligible individuals and families.
Marketplace plans cannot deny coverage or charge more because of a pre-existing medical condition.
Eligible households may qualify for premium tax credits that lower the monthly cost of coverage.
ACA-compliant individual plans include a core set of required health benefits and consumer protections.
Covered preventive services may be available without cost sharing when received from an in-network provider.
Marketplace plans include prescription drug coverage, although formularies and costs differ among plans.
Plans include coverage for emergency services and hospitalization, subject to the policy’s cost-sharing rules.
ACA Marketplace plans may be appropriate for many people who do not receive affordable health coverage through an employer or another government program.
Most people enroll during the annual Open Enrollment Period. Some qualifying life events may allow enrollment outside that window.
Open Enrollment is the yearly period when eligible consumers can enroll in or change Marketplace health insurance plans.
Deadlines and effective dates matter, so beginning your review early can help avoid last-minute complications.
You may qualify to enroll outside Open Enrollment after certain qualifying life events, including:
Get help comparing plans without trying to navigate the process alone.
Choose a convenient time for your complimentary consultation.
Discuss your household, healthcare needs, doctors, prescriptions, and estimated income.
Review available plans, estimated costs, provider networks, and important benefits.
Select your coverage and receive ongoing support after enrollment.
I can help you compare Marketplace and private health insurance options based on your eligibility, healthcare needs, preferred providers, and budget.
Get straightforward answers to common Marketplace coverage questions.
The Marketplace allows eligible individuals and families to compare and enroll in private ACA-compliant health insurance plans. It also determines eligibility for applicable premium tax credits and other savings.
Your cost depends on factors such as location, age, household size, projected household income, tobacco use where applicable, plan selection, and eligibility for financial assistance.
That depends on the plan’s provider network. Before selecting coverage, we can review whether your preferred doctors, hospitals, and specialists appear to participate.
Marketplace health plans cannot deny coverage or charge a higher premium because of a pre-existing medical condition.
Eligible consumers may use an advance premium tax credit to reduce the monthly premium paid to the insurance carrier. Eligibility and the amount of assistance depend on the Marketplace application and applicable federal rules.
You may be able to enroll if you qualify for a Special Enrollment Period because of an eligible life event or other qualifying circumstance. Documentation may be required.
There is no charge for your initial insurance consultation. Your available plan premiums are determined by the carrier and Marketplace, not increased because you received enrollment help.
Schedule your complimentary consultation and receive personalized help reviewing health insurance options available to you in Florida.

Helping Florida individuals, families, and self-employed professionals find health insurance coverage that fits their needs and budget.
Florida Licensed Health & Life Insurance Agency
FL Agency # L121781
Npn # 19858232
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