2026 ACA Health Plans in Florida | Las Madrinas Insurance Skip to content
Rated 4.7/5 · 500+ Total Reviews

Save on Florida ACA Plans

Prices rose. We help you pay less.

  • English or Spanish
  • Licensed FL agents
  • No Fee for our Help

The extra federal help ended and prices rose all over Florida, and dropping your plan leaves your family one accident away from a bill you cannot pay.

Trusted by over 2 million families

Backed by top-rated carriers

Ambetter Health UnitedHealthcare Molina Healthcare Oscar AmeriHealth

As seen on

Telemundo 51 WSFL-TV Channel 39 Latin Biz Today NBC 6 South Florida Univision
4 out of 5 pay less than $10/mo*

See Your ACA Options

A recent life change may still let you enroll — don’t miss your window. Tell us a little about your situation and a licensed Madrina will reach out to compare your options in English or Spanish.

  • No cost
  • No pressure

Check my eligibility

Free. No Strings.

Free review. We never sell your information. Reply STOP anytime to opt out of texts.

Carriers pay us. You don't

Every carrier pays us the same, no matter which plan you pick. You will never get a bill from us.

Every carrier compared

UnitedHealthcare, Molina, Oscar, Ambetter and more.

2026 help checked

We find every dollar you still qualify for.

English or Spanish

Licensed Florida agents, every step.

The itinerary

Three stops between you and better coverage.

One short form to start. From there, your agent walks every step with you, start to finish.

  1. Close view of a hand working through a printed plan-comparison checklist with a pen at a desk

    Compare

    See every carrier’s plans side by side, ranked by real total cost, not just the monthly premium.

  2. Two Madrinas advisors at an office desk reviewing enrollment paperwork with a client between their monitors

    Qualify

    We check every dollar of 2026 help your income and household size unlock, so nothing is left.

  3. Madrinas team members in light-blue Seguros de Salud polos assisting families under branded canopies at an outdoor community enrollment event

    Enroll

    We complete and file your Marketplace application for you. No hold music, no guesswork, no healthcare.gov maze.

Sign Up Fast

Every Plan, One Call

There's no fee for our services

We're compensated by the insurance carriers, not by the consumer.

Our licensed agents help you compare, quote, and enroll at no cost. Carriers pay us the same commission no matter which plan you pick — so the only thing we're working for is the right fit for your family.

Madrinas team of about fifteen posing with open arms in the bright blue-and-yellow Miami office
Couple at a Madrinas community event holding a number-one-dad trophy balloon beside a classic-car balloon in front of the branded backdrop

Trusted by Florida Families

We’re Florida’s Godmothers of Insurance

We compare plans and sign you up.

Get My Free Quote

No Fees

Free Help

You pay $0.

  • Licensed Florida Agents

    Phone, text, or video.

  • Honest Advice

    We’re paid the same for any plan.

  • English or Spanish

    Help for your parents, too.

Trusted Carriers

Top-Rated Florida Plans

Ambetter Health UnitedHealthcare Molina Healthcare Oscar AmeriHealth

Families across Florida trust their Madrina

I've had my Obamacare coverage for over a year and I'm extremely happy with the fast, efficient service. I'm especially grateful for the excellent care from Las Madrinas.

Alberto Fernandez Florida Rated 5 out of 5 on Google

Rosmari Carrera is an amazing agent. Always helpful and polite. I highly recommend her.

Juan Ramirez Florida Rated 5 out of 5 on Google

I've been working with their advisors for a while now, and so far they've been very attentive and helpful — especially my advisor Rosmery Cabrera.

Fundación Social del Pacífico Florida Rated 5 out of 5 on Google
Talk to a Madrina — Free

Floridians We Help

Open Enrollment for 2026 is closed, but a recent life change opens a Special Enrollment Period — a 60-day window to enroll in a plan or switch to a better one. These are the changes we help with most.

  • Tidy white desk with an empty chair beneath a framed print in a bare home office

    Lost Your Coverage

    You have 60 days to act.

  • Wooden desk with an open laptop, reading glasses and a cup of coffee

    Self-Employed or 1099

    We help you avoid tax surprises.

  • Close-up of a newborn baby’s foot resting on a white blanket

    New Baby or Turned 26

    Both let you sign up now.

  • Hands working a desktop calculator beside an open laptop and notebook

    Price Jumped in 2026

    You may still get help.

Qualifying life events

  • Loss of health coverage or Medicaid
  • Turning 26
  • Loss of income or a change in income
  • Marriage
  • Divorce
  • A change in legal status
  • Relocation to a new home or state
  • A new baby or an adoption

Your 60 days start the day the change happened. Not sure if yours counts? Ask a Madrina — we check for free, in English or Spanish.

Florida ACA Questions, Answered

Is your help free?

Yes. You pay $0.

My price went up. Now what?

Don’t drop your plan. You may qualify for savings.

Can I sign up now?

Yes, after a life change. Or wait until November 1.

When does coverage start?

Usually the 1st of next month.

What do ACA plans cover?

Doctors, medicine, hospital care, pregnancy, mental health, and checkups.

Will I get spammed?

No. Just one call.

Do I have to enroll?

No. It’s your choice.

Must I be a citizen?

No. Many legal immigrants may qualify.

Do you speak Spanish?

Yes. Hablamos español.

Is my info safe?

Yes. We never sell it.

Do you sell other insurance?

Yes. Life, business, and college plans.

Serving All 67 Florida Counties

English and Spanish, by phone, video, or in person.

  • Miami
  • Fort Lauderdale
  • West Palm Beach
  • Port St. Lucie
  • Orlando
  • Tampa
  • St. Petersburg
  • Jacksonville
  • Tallahassee
  • Gainesville
  • Ocala
  • Lakeland
  • Sarasota
  • Fort Myers
  • Naples
  • Pensacola

Get Covered With One Call

See If You Qualify

Call (305) 407-1300

Free Help, Start to Finish

We’re the Godmothers of Insurance

Free review. We never sell your information. Reply STOP anytime to opt out of texts.