EmpathyInsurance Advisors
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ACA · Marketplace coverage

Health insurance that works for real life.

Marketplace coverage with subsidies that cap your premium based on income. If you have a pre-existing condition, you can't be denied — federal law guarantees it. We help you find the right plan and figure out exactly what you qualify for.

  • CSR Silver plans for $30-60/month with dramatically lower out-of-pocket costs — recommended for chronic conditions

  • $0-premium Bronze plans available as a safety-net option for tight budgets

  • Outside Open Enrollment? Special Enrollment Periods let you enroll year-round if you've had a qualifying life event

Free · 60 seconds · No obligation

See what you qualify for.

Most people qualify for help paying for coverage and don't realize it. Tell us a little about your situation and we'll show you your subsidy and plan options.

Zip Code
33432
Household Size
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Household Income
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Check eligibility →We never sell your info

Working with a licensed advisor takes 5-10 minutes. No high-pressure sales — just a clear breakdown of your options.

The thing nobody tells you

Subsidies depend on income and current federal limits.

For 2026, premium tax credits generally apply to households between 100% and 400% of the Federal Poverty Level. Your expected benchmark Silver contribution is calculated using the current federal percentage table, so it's still worth checking your household size, ZIP code, and income before assuming you do or don't qualify.

Calculate your subsidy →orcall us at (954) 807-4855 and we'll walk you through it.

Plan tiers

Two paths most people take.

ACA plans are organized into metal tiers — Bronze, Silver, Gold, and Platinum. For most of our clients, the right choice falls into one of two patterns.

Recommended for pre-existing conditions

CSR Silver

Lowest out-of-pocket coverage

$30 - $60/month for most eligible households

Cost-Sharing Reduction Silver plans are only available through the Marketplace and only to households earning under 250% of the Federal Poverty Level. They have dramatically reduced deductibles and copays compared to standard Silver plans, which makes them the lowest-out-of-pocket option for anyone managing a chronic condition or expecting significant medical care.

  • Reduced deductibles (often $0-$500 vs $5,000+)
  • Lower copays for doctor visits, prescriptions, and ER
  • Same plan networks as standard Silver
  • Income eligibility: under 250% FPL
See if you qualify for CSR

Bronze

Coverage at the lowest cost

$0/month for most subsidy-eligible households

If your budget is tight, $0-premium Bronze plans get you legally insured at the lowest possible cost. They have higher deductibles, but they cover catastrophic costs, qualify for preventive care at no charge, and meet the federal coverage requirement. For healthy individuals or families using care sparingly, this is often the right fit.

  • Free preventive care (annual physicals, screenings, vaccines)
  • Coverage for major medical events
  • Higher deductibles in exchange for $0 monthly premium
  • Available to most subsidy-eligible households
See your $0-premium options

Gold and Platinum plans exist too, but they typically only make sense in specific situations. Talk to an advisor if you're weighing those tiers — we'll be honest about whether they fit your situation.

Pre-existing conditions

If you've ever been told you're ‘uninsurable,’ that was before the ACA.

Insurance companies cannot deny you coverage, charge you more, or refuse to cover treatment for any pre-existing condition. This is federal law under the Affordable Care Act. Diabetes, cancer history, mental health, autoimmune conditions, pregnancy, prior surgeries — none of it can be used against you when you apply for a Marketplace plan.

What this means in practice: you pick the plan that fits your medical needs, not the plan that will accept you. CSR Silver plans, with their reduced deductibles and copays, are usually the lowest-out-of-pocket choice when you know you'll be using care regularly.

Special Enrollment

Outside Open Enrollment? You can still get covered.

Most people think the only time to enroll is during Open Enrollment (November 1–January 15 on HealthCare.gov; some state Marketplaces run longer). That's not the whole story. If you've had a qualifying life event in the last 60 days, you can enroll today.

Lost employer coverage

Job change, layoff, reduced hours, or aging off a parent's plan. Coverage gap triggers a 60-day SEP window.

Moved to a new area

Moving to a different ZIP, county, or state where new plans are available qualifies as a SEP — even if you stayed in the same employer.

Got married or divorced

Marriage can trigger a SEP. Divorce or legal separation may trigger a SEP when it causes a loss of qualifying health coverage.

Had a baby or adopted

Birth, adoption, or placement in foster care opens a SEP for the entire family unit, not just the child.

Income changed significantly

A household income change may open a SEP in certain situations, especially if it changes your eligibility for Marketplace savings or Medicaid/CHIP. We verify the details before you apply.

Lost Medicaid or CHIP

Coming off state coverage opens a 60-day SEP to transition to a Marketplace plan.

Not sure if your situation qualifies? It's worth a 5-minute call. SEP rules can be complex and we've helped people qualify in situations they didn't expect.

Call (954) 807-4855

Who we help

Most of our ACA clients fall into one of these.

If your situation is here, we've handled it before. If it isn't, we've probably handled something close.

PRE-EXISTING CONDITION

You manage a chronic condition

Diabetes, cancer history, autoimmune, mental health, anything ongoing. You need coverage that minimizes what you pay out of pocket when you actually use it — not coverage that only kicks in after you've spent thousands.

→ CSR Silver typically fits

SELF-EMPLOYED · GIG

You work for yourself

1099 contractor, gig worker, freelancer, small business owner without group coverage. Marketplace subsidies are based on household income, and self-employment income usually qualifies for substantial help.

→ CSR Silver or $0 Bronze, depending on usage

LOST EMPLOYER COVERAGE

You just left a job

Layoff, voluntary leave, retirement before Medicare eligibility, reduced to part-time. Coverage loss triggers a 60-day SEP and most people qualify for more subsidy than they expect during income transitions.

→ Plan choice depends on new income level

FAMILY · DEPENDENTS

You're enrolling a household

Spouse, kids, dependents on or off your plan. Family coverage logic gets complicated fast — household size affects subsidies, kids may qualify for CHIP separately, and one plan may not be the right answer for everyone.

→ Worth a call to walk through the household

Not sure where you fit? That's normal. We sort it out in 10 minutes.

Call (954) 807-4855

Above the federal subsidy cutoff

Higher household income? Worth comparing.

If your household income is above the federal subsidy cutoff (400% of the Federal Poverty Level), Marketplace plans cost full premium with no tax credit assistance. In that case, you may want to compare Marketplace plans against private insurance options at full premium. We can walk you through both.

Explore private insurance options

Frequently asked

Common ACA questions, answered straight.

No insurance jargon, no soft-pedaling. The actual answers.

Ready to see what you qualify for?

Five minutes on the phone with a licensed advisor. We'll show you your subsidy, the plans available in your county, and whether CSR Silver or $0 Bronze fits you better.

Call (954) 807-4855Or check eligibility online →

We never sell your information. The Marketplace data we collect is used only to show you your subsidy and plans.