Peace of Mind,
Affordable Health
Insurance

Insurance Plans


    Select policy type

    For a tailored coverage plan pleaase fill out all sections of this form.
    By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

      Select from policy
      By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

        Select one or more from coverage
        By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

        Understanding Individual Health Insurance for Floridians

        Individual health insurance provides essential medical cost coverage to U.S. residents, ranging from routine checkups to urgent care. Insurance aims to mitigate the risk of burdensome healthcare expenses that can occur due to injury or illness.

        With the introduction of the Affordable Care Act (Obamacare) in 2010, health insurance became accessible to all, regardless of pre-existing health conditions. Prior to this, individuals could be denied coverage based on their medical status, or they could be subjected to inflated premium fees.

        Current personal health insurance plans offer ten critical benefits, including outpatient care, prescription medications, prenatal and maternity care, hospitalization, mental health services, and pediatric care.

        Acquiring personal health insurance is possible during the open enrollment period (November 1 to December 15 in most states) unless a qualifying life event occurs.

        Have questions
        or need help?

        Speak with agent

        Individual

        Navigating Personal Health Insurance Options in Florida

        Health insurance coverage is abundant, with the Affordable Care Act (Obamacare) being the most commonly discussed option.

        Affordable Care Act plans can be found on your state’s insurance marketplace or through healthcare.gov. The marketplace offers a range of health insurance plans, as well as subsidies for those who need financial assistance for health insurance expenses.

        Off-exchange health insurance can be obtained through your employer or a private source like a direct insurance carrier. The cost and coverage will vary, so it’s essential to compare plans to find the one that best suits your needs.


        Varieties of Personal Health Insurance Affordable Care Act (ACA) Plans

        ACA plans offer broad coverage that protects against exorbitant healthcare costs during a medical crisis. Different plans are available to cater to individual healthcare needs and cover an extensive array of services.

        Short-term plans are commonly chosen by individuals who missed the ACA open enrollment deadline. These plans provide less coverage and won’t protect you from potential state tax penalties but are available throughout the year.

        Indemnity Plans Also known as “fee-for-service” plans, indemnity plans allocate a fixed sum for received medical services. This allows individuals the freedom to visit any healthcare professional or specialist of their choosing.


        Scenarios Requiring Private Health Insurance

        Adults Aged 26 or Older
        Young adults can stay on their parents’ health insurance until they reach 26. After this, they are required to secure their own health insurance.

        Unemployed Individuals
        Job loss doesn’t immediately mean loss of health insurance. Thanks to the COBRA program, you can stay on your employer’s health insurance plan for up to 36 months. However, you’ll need to cover the full cost of the insurance.

        Part-Time Employees
        Part-time roles rarely offer health benefits. Therefore, if you work part-time, you’ll likely need your own health insurance.

        Self-Employed Individuals
        Freelancers and business owners are responsible for their own health insurance.

        Business Owners with Employees
        If you own a business with employees, you might need to offer them health insurance.


        Acquiring Personal Health Insurance in Florida

        The first step in securing personal health insurance involves evaluating your health needs and financial capabilities, then choosing a plan that aligns with these. Health care options include employer coverage, individual health insurance, Medicaid and the Children’s Health Insurance Program (CHIP), Medicare, and short-term insurance.


        Research Prior to Open Enrollment

        Government-approved individual health plans are available during the annual open enrollment period (November 1 to December 15 in most states). It’s crucial to research options and apply in advance to avoid limited choices and coverage gaps.


        Review State Marketplace Health Plans

        Marketplace health plans are categorized into Bronze, Silver, Gold, and Platinum tiers, offering a range of coverage levels and costs. If you’re eligible for discounts or lower out-of-pocket expenses, complete an application to compare available plans in your area.


        Consider Health Insurance Companies Outside the Marketplace

        Plans directly from insurers offer similar benefits and are also classified by metal tiers. However, these plans do not qualify for tax credits or subsidies.


        Understanding Health Plan Structures

        Different types of personal health insurance plans exist:
        HMOs (Health Maintenance Organizations) offer affordable coverage through specific healthcare networks.

        PPOs (Preferred Provider Organizations) allow flexibility in choosing healthcare providers outside the designated network, albeit at a higher cost.

        POS plans blend aspects of HMOs and PPOs, with the need for a referral for out-of-network providers.

        HDHPs (High-Deductible Health Plans) feature high deductibles but lower premiums, making them suitable for young, healthy individuals with low healthcare needs.


        Get Insured With Live Health

        Health insurance isn’t a one-size-fits-all solution, particularly for those who can’t simply sign up for an employer’s plan. But with knowledge of the available options and assistance from a specialist advisor like Live Health, securing a health insurance plan that suits your requirements and budget is straightforward.

        Individual

        Navigating Personal Health Insurance Options in Florida

        Health insurance coverage is abundant, with the Affordable Care Act (Obamacare) being the most commonly discussed option.

        Affordable Care Act plans can be found on your state’s insurance marketplace or through healthcare.gov. The marketplace offers a range of health insurance plans, as well as subsidies for those who need financial assistance for health insurance expenses.

        Off-exchange health insurance can be obtained through your employer or a private source like a direct insurance carrier. The cost and coverage will vary, so it’s essential to compare plans to find the one that best suits your needs.


        Varieties of Personal Health Insurance Affordable Care Act (ACA) Plans

        ACA plans offer broad coverage that protects against exorbitant healthcare costs during a medical crisis. Different plans are available to cater to individual healthcare needs and cover an extensive array of services.

        Short-term plans are commonly chosen by individuals who missed the ACA open enrollment deadline. These plans provide less coverage and won’t protect you from potential state tax penalties but are available throughout the year.

        Indemnity Plans Also known as “fee-for-service” plans, indemnity plans allocate a fixed sum for received medical services. This allows individuals the freedom to visit any healthcare professional or specialist of their choosing.


        Scenarios Requiring Private Health Insurance

        Adults Aged 26 or Older
        Young adults can stay on their parents’ health insurance until they reach 26. After this, they are required to secure their own health insurance.

        Unemployed Individuals
        Job loss doesn’t immediately mean loss of health insurance. Thanks to the COBRA program, you can stay on your employer’s health insurance plan for up to 36 months. However, you’ll need to cover the full cost of the insurance.

        Part-Time Employees
        Part-time roles rarely offer health benefits. Therefore, if you work part-time, you’ll likely need your own health insurance.

        Self-Employed Individuals
        Freelancers and business owners are responsible for their own health insurance.

        Business Owners with Employees
        If you own a business with employees, you might need to offer them health insurance.


        Acquiring Personal Health Insurance in Florida

        The first step in securing personal health insurance involves evaluating your health needs and financial capabilities, then choosing a plan that aligns with these. Health care options include employer coverage, individual health insurance, Medicaid and the Children’s Health Insurance Program (CHIP), Medicare, and short-term insurance.


        Research Prior to Open Enrollment

        Government-approved individual health plans are available during the annual open enrollment period (November 1 to December 15 in most states). It’s crucial to research options and apply in advance to avoid limited choices and coverage gaps.


        Review State Marketplace Health Plans

        Marketplace health plans are categorized into Bronze, Silver, Gold, and Platinum tiers, offering a range of coverage levels and costs. If you’re eligible for discounts or lower out-of-pocket expenses, complete an application to compare available plans in your area.


        Consider Health Insurance Companies Outside the Marketplace

        Plans directly from insurers offer similar benefits and are also classified by metal tiers. However, these plans do not qualify for tax credits or subsidies.


        Understanding Health Plan Structures

        Different types of personal health insurance plans exist:
        HMOs (Health Maintenance Organizations) offer affordable coverage through specific healthcare networks.

        PPOs (Preferred Provider Organizations) allow flexibility in choosing healthcare providers outside the designated network, albeit at a higher cost.

        POS plans blend aspects of HMOs and PPOs, with the need for a referral for out-of-network providers.

        HDHPs (High-Deductible Health Plans) feature high deductibles but lower premiums, making them suitable for young, healthy individuals with low healthcare needs.


        Get Insured With Live Health

        Health insurance isn’t a one-size-fits-all solution, particularly for those who can’t simply sign up for an employer’s plan. But with knowledge of the available options and assistance from a specialist advisor like Live Health, securing a health insurance plan that suits your requirements and budget is straightforward.

        Have questions
        or need help?

        Speak with agent

        Peace of Mind,
        Affordable Health
        Insurance

        Insurance Plans


          Select policy type

          For a tailored coverage plan pleaase fill out all sections of this form.
          By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

            Select from policy
            By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

              Select one or more from coverage
              By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.
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