Clear guidance for Health, Life, Dental & Vision plans.
Speak with a licensed Florida agent. No pressure — just options that fit your needs.
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Marketplace Plans
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Frequently Asked Questions
Short, plain‑English answers. If you don’t see yours, just ask below.
▾ How do Marketplace tax credits work?
Tax credits (APTC) lower your monthly premium if you qualify based on income and household size. We estimate eligibility during enrollment and you reconcile it at tax time.
▾ Can I enroll without a Special Enrollment Period?
Outside of Open Enrollment you’ll need a qualifying life event (move, loss of coverage, marriage, birth, etc.). I can help check eligibility and timing.
▾ What’s the difference between term and whole life?
Term covers you for a set period (like 20 years) and is usually most affordable. Whole life lasts your entire life and can build cash value. We can compare both.
▾ Do you charge a fee to help?
No. As a licensed agent, I’m paid by the carrier if you choose a plan. My guidance is free to you.
Reviews
A few words from neighbors and families I’ve helped.
MW
★★★★★
Jasmine P. – St. Petersburg
“Morgan explained everything in plain English and helped me choose a Marketplace plan that actually fits my budget.”
DF
★★★★★
Daniel F. – Tampa
“Quick, kind, and professional. We ended up adding a small term life policy for peace of mind.”
LA
★★★★☆
Lydia A. – Clearwater
“Loved the no‑pressure approach. I finally understand the difference between bronze and silver plans.”
RC
★★★★★
Ruben C. – Largo
“Morgan was patient and responsive. Set up coverage for me and my wife in one call.”
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