What is the Health Insurance Marketplace?
The Marketplace is where individuals and families can shop for and compare qualifying health plans side by side — especially helpful if you don’t get coverage through an employer.
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Health Insurance Doesn't Have to Be Confusing.
Understand your options, explore available coverage, and get personal guidance every step of the way.
Personal guidance. Clear answers. Coverage that fits your needs.
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Health Insurance Explained
Short, simple explanations — in plain language.
Learn first, decide later
Let’s Make Health Insurance Simple.
Understanding health insurance can feel overwhelming. Health With Me Insurance is here to help you understand your options, how Marketplace coverage works, and what to consider when choosing a plan.
- Understanding your coverage
- Marketplace & ACA plans
- Premiums and deductibles explained
- Financial assistance and subsidies
- Choosing coverage for your needs
- Answers in English or Spanish
The basics
Health Insurance, Explained Simply.
A few key ideas go a long way. Here’s what most people want to know before they start comparing plans.
Can I qualify for financial assistance?
Depending on your household size, income and other circumstances, you may qualify for financial assistance that lowers the cost of Marketplace coverage. Eligibility is determined during the application.
What should I look for in a plan?
Look beyond the monthly premium. Consider the deductible, out-of-pocket costs, whether your doctors are in the provider network, prescription coverage, and the care you expect to need.
When can I enroll?
Most people enroll during the annual Open Enrollment Period. Certain life events — like moving, losing other coverage, getting married or having a baby — may qualify you for a Special Enrollment Period.
No pressure
The best decision is an informed one.
Take your time, ask questions and learn at your own pace. When you’re ready, you can explore plans on your own — or with someone by your side.
See How It Works
How it works
Finding Coverage Can Be Simple.
Three clear steps — and help is available at any point along the way.
1
Tell Us About Yourself
Enter basic information to see available health plan options.
2
Compare Your Options
Review available plans, premiums and coverage.
3
Get Covered
Choose a plan and complete the enrollment process, with help available if you need it.
Find a plan
Ready to Explore Your Health Plan Options?
Compare available Marketplace health plans and explore coverage options based on your information.
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Compare plans side by sideSee premiums, deductibles and benefits in one place.
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Check for financial assistanceFind out if you may qualify for help lowering your costs.
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Help when you want itExplore on your own, or call for personal guidance.
Prefer to speak with someone? Call (786) 479-3026
Shop Marketplace plans
SecureSee the health plans available in your area, compare costs and coverage, and find out if you may qualify for financial assistance.
- 1Enter your ZIP code & household infoJust the basics to find plans where you live.
- 2Compare available plansPremiums, deductibles, networks and benefits side by side.
- 3Enroll online — or call usFinish on your own, or get help at any step.
Securely explore available Marketplace plans through HealthSherpa, our enrollment platform.
Prefer to speak with someone? Call (786) 479-3026 · Se habla español
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Personal guidance
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Questions? You Don’t Have to Figure It Out Alone.
Online tools make it easy to compare plans — but sometimes you just want to talk to a real person. Health With Me Insurance can walk you through the process, one question at a time.
Explain the terminologyPremiums, deductibles, copays, networks — in plain language.
Understand your optionsTalk through what matters most for you and your family.
Navigate the processGet help with applying and enrolling, if you need it.
FAQ
Frequently Asked Questions
Quick answers to common questions. Don’t see yours? Just call — we’re happy to help.
The Health Insurance Marketplace is a service where individuals and families can compare and enroll in qualifying health plans, created under the Affordable Care Act (ACA). It’s a common option for people who don’t have coverage through an employer.
Possibly. Depending on your household size, income and other factors, you may qualify for financial assistance that lowers the cost of Marketplace coverage. Your eligibility is determined when you complete an application.
A premium is the amount you pay each month to keep your coverage active. A deductible is the amount you pay for covered services before your plan starts sharing costs. Plans with lower premiums often have higher deductibles, and vice versa.
In some cases, yes. Certain life events — such as losing other coverage, moving, getting married or having a baby — may qualify you for a Special Enrollment Period. Requirements and timeframes apply, so it’s a good idea to ask as soon as something changes.
Yes. We can help you understand how plans differ, explain terms, and talk through things like your doctors, prescriptions and expected care so you can make a choice you feel confident about. The final decision is always yours.
Yes. Se habla español. Call (786) 479-3026 for assistance.
Ready to Explore Your Coverage Options?
Take the next step and see what health plans may be available to you.
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