MEDICARE AND HEALTH INSURANCE
Medicare & Health Insurance in Florida
Individual, Family, and Group Plans
Affordable options for individuals, families, and small businesses in Florida, with guidance from licensed local advisors.
What You Get
Short Term Medical
Temporary coverage for gaps in employment or waiting periods. Flexible terms and quick start dates.
Dental and Vision
Stand-alone dental and vision plans for routine care, major services, and eyewear.
Supplemental Health
Accident, critical illness, and hospital indemnity that help pay out-of-pocket costs.
We help you compare carriers, networks, and total yearly cost so you can pick a plan with confidence.
Individual and Family ACA Plans
Subsidy eligible plans through Healthcare.gov with essential benefits, preventive care, and pediatric services.
Private Off Exchange Plans
Options for those who do not qualify for subsidies and want more network or benefit choices.
Group Health for Small Businesses
We provide cost-effective coverage for teams of 3 to 50+ employees. Choose from HMO, PPO, or EPO networks, with flexible employer contribution strategies tailored to your needs.
Medicare, Made Simple
Medicare is federal health insurance for most people 65+, and some under 65 with qualifying disabilities. Our local team explains your choices in plain language and compares plans that fit your doctors, prescriptions, and budget.
What we can help you review
Medicare Part C (Medicare Advantage)
Medicare Advantage (Part C) plans combine the coverage of Part A and Part B and may also include Part D (prescription drug coverage). These plans are offered by private insurance companies and can provide additional benefits like dental, vision, and wellness programs, often with lower out-of-pocket costs than Original Medicare.Medicare Supplement (Medigap) Helps pay Original Medicare copays, coinsurance, and deductibles.
Prescription Drug Plans (Part D) Stand-alone drug coverage to pair with Original Medicare or Medigap.
Dental / Vision / Hearing When available with certain plans.
Enrollment Periods Initial Enrollment at 65, AEP Oct 15–Dec 7, MA OEP Jan 1–Mar 31, and Special Enrollment after qualifying life events.
Why Florida Choose Us?
- Florida based team that explains plans, networks, and subsidies in plain language
- We compare multiple carriers and find doctors in network
- Help estimating Premium Tax Credits and Cost Sharing Reductions
- No extra cost for our help
- Bilingual friendly support from quote to enrollment
Talk to a Health Specialist
Frequently Asked Questions
Top 3 Frequently Asked Questions about the Affordable Care Act (ACA)
1. What is the Affordable Care Act (ACA), and who is it for?
The ACA, often called Obamacare, is a 2010 federal law that expands health insurance access, prohibits denials for pre-existing conditions, and requires essential health benefits in plans. It primarily targets individuals and families without employer-sponsored coverage, including those below 400% of the federal poverty level who qualify for premium tax credits or Medicaid expansion. It’s available through the Health Insurance Marketplace for U.S. citizens, nationals, and certain lawfully present immigrants.
2. How do I enroll in ACA health insurance, and when is open enrollment?
Enrollment occurs via HealthCare.gov or state marketplaces during the annual Open Enrollment Period. Special Enrollment Periods apply for life events like job loss or marriage. There’s no income minimum, but subsidies depend on modified adjusted gross income (MAGI).
3. Am I eligible for financial help (subsidies) under the ACA?
Yes, if your household income is 100-400% of the federal poverty level, you may qualify for premium tax credits to lower monthly costs. Cost-sharing reductions apply for incomes up to 250% of poverty. Enhanced subsidies make coverage more affordable; use the Marketplace’s subsidy calculator for estimates based on age, location, and family size.
Top 3 Frequently Asked Questions about Medicare
1. What is Medicare, and who qualifies for it?
Medicare is federal health insurance for people 65+, those under 65 with disabilities (after 24 months on Social Security Disability Insurance), or with End-Stage Renal Disease. It includes Part A, Part B, Part C, and Part D. Enrollment is automatic for most Social Security recipients at 65.
2. When should I sign up for Medicare, and what if I miss it?
Most sign up during the Initial Enrollment Period. If working with employer coverage, you can delay without penalty. Late sign-up incurs lifelong Part B penalties (10% per year delayed). Special Enrollment applies if you had qualifying group coverage.
3. What's the difference between Original Medicare and Medicare Advantage?
Original Medicare (Parts A & B) offers nationwide provider access with 80% coverage after deductibles; pair it with a Medigap policy for gaps and Part D for drugs. Medicare Advantage (Part C) bundles A, B, and often D into private plans with extras like dental/vision, but limits you to network providers and may have prior authorizations. Costs vary: Original has predictable premiums but higher out-of-pocket max; Advantage often has $0 premiums but copays and other costs.
How We Help You Choose
We review the factors that matter most:
Monthly premium and out-of-pocket maximum
Deductible, copays, and coinsurance
HMO, PPO, or EPO network fit for your doctors and hospitals
Prescription tiers and mail order options
HSA compatible plan choices for tax-advantaged savings
Customers Feedback
Other Insurances
Life Insurance
Protect your family’s future with flexible coverage options.
Home Insurance
Safeguard your home and belongings from the unexpected.
Auto Insurance
Get reliable protection for you and your vehicle at competitive rates.
Medicare & Health
Affordable options for families, individuals, and small businesses.
Business / Commercial
General liability, commercial auto, workers compensation, business owner policies.
Health Plans Guided by a Trusted Florida Insurance Broker
Please Fill In The Form
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Romero Insurance & Financial Services is not connected with or endorsed by the United States government or the federal Medicare program.
We represent multiple Medicare Advantage and Prescription Drug Plan organizations. Enrollment depends on plan availability and eligibility.