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Your Health, Our Purpose · Tu Salud, Nuestra Razón

Obamacare & Open Enrollment: Learn Before You Enroll

Everything about Marketplace coverage in one place: how Open Enrollment works, what premium tax credits and cost-sharing reductions do, how to pick a metal tier, and how to renew without losing savings. Written by the bilingual agents who enroll Florida and Texas families every day.

Start Here

Quick guides to help you understand coverage, savings and enrollment.

Latest Articles

New articles appear here as we publish them, in English and Spanish. Each one links to the service page where a Madrina can help you act on it.

Reading is a start; a Madrina finishes the job, free.

  • Understanding Health Insurance in America: What You Need to Know

    Health insurance plays an essential role in protecting Americans from unexpected medical expenses. Whether you are buying coverage for the first time or renewing a plan, knowing how it works helps you choose well.

    Madrinas - Estelle

  • Understanding Health Insurance in America: What You Need to Know

    Health insurance plays an essential role in protecting Americans from unexpected medical expenses. Whether you are buying coverage for the first time or renewing a plan, knowing how it works helps you choose well.

    Madrinas - Estelle

  • Understanding Health Insurance in America: What You Need to Know

    Health insurance plays an essential role in protecting Americans from unexpected medical expenses. Whether you are buying coverage for the first time or renewing a plan, knowing how it works helps you choose well.

    Madrinas - Estelle

  • Understanding Health Insurance in America: What You Need to Know

    Health insurance plays an essential role in protecting Americans from unexpected medical expenses. Whether you are buying coverage for the first time or renewing a plan, knowing how it works helps you choose well.

    Madrinas - Estelle

  • Understanding Health Insurance in America: What You Need to Know

    Health insurance plays an essential role in protecting Americans from unexpected medical expenses. Whether you are buying coverage for the first time or renewing a plan, knowing how it works helps you choose well.

    Madrinas - Estelle

  • Understanding Health Insurance in America: What You Need to Know

    Health insurance plays an essential role in protecting Americans from unexpected medical expenses. Whether you are buying coverage for the first time or renewing a plan, knowing how it works helps you choose well.

    Madrinas - Estelle

  • Understanding Health Insurance in America: What You Need to Know

    Health insurance plays an essential role in protecting Americans from unexpected medical expenses. Whether you are buying coverage for the first time or renewing a plan, knowing how it works helps you choose well.

    Madrinas - Estelle

  • Understanding Health Insurance in America: What You Need to Know

    Health insurance plays an essential role in protecting Americans from unexpected medical expenses. Whether you are buying coverage for the first time or renewing a plan, knowing how it works helps you choose well.

    Madrinas - Estelle

  • Understanding Health Insurance in America: What You Need to Know

    Health insurance plays an essential role in protecting Americans from unexpected medical expenses. Whether you are buying coverage for the first time or renewing a plan, knowing how it works helps you choose well.

    Madrinas - Estelle

Rated 5 stars on Google

Stories From Families Like Yours

Navigating healthcare is complicated. Our advisors simplify the process so you get the coverage you deserve without the headache.

Alberto Fernandez Google review
Rated 5 out of 5 on Google
“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.”
Novlet A-Marquis Google review
Rated 5 out of 5 on Google
“I only speak English and I was well received by these people who mostly speak Spanish all my needs were met and I received everything I went there for and more.”
Giovanni Perez Google review
Rated 5 out of 5 on Google
“It was a wonderful experience with Ninfa. She was very professional and found an affordable health insurance for my Mom.”
Yana Gandelman Google review
Rated 5 out of 5 on Google
“Sandra is the best insurance agent! Very compassionate and understanding. Always there and ready to help. Very hard working employee.”
Juan Ramirez Google review
Rated 5 out of 5 on Google
“Rosmari Carrera is an amazing agent. Always helpful and polite. I highly recommend her.”
Luisa Luna Google review
Rated 5 out of 5 on Google
“Daniela has assisted me with my insurance policy for several years. She is a dedicated and easy-to-reach person. Her customer service is excellent.”
Jerald Amora Google review
Rated 5 out of 5 on Google
“Las Madrinas is a great place to get all the information and help needed to obtain healthcare coverage.”
Glyk Group Google review
Rated 5 out of 5 on Google
“This is my second year using this company for my health insurance and I am very satisfied with the service.”

Frequently Asked Questions

When is Open Enrollment?
For 2027 coverage, Open Enrollment on HealthCare.gov runs November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1. States that run their own marketplace can set different dates.
Where do I start if I’ve never had Marketplace coverage?
Start with how the Marketplace works and the savings you may qualify for, then compare plans by what you would pay over the whole year, not just each month. Or call us: a licensed Madrina can check your options and enroll you in one call.
Do these articles apply outside Florida and Texas?
Most federal rules are the same everywhere, but deadlines, plans, and Medicaid rules vary by state. Our State Marketplace Guides cover what is different in each state we serve.
Does it cost anything to work with Madrinas?
No. Our help is free. Insurance carriers pay licensed agents like us, so you never pay a fee for our guidance or for enrolling.
¿Hablan español?
Sí. Hablamos español en cada paso, por teléfono, por video o en nuestras oficinas. Every Madrina can help you in English or Spanish.

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We Care, You Count

Madrinas Insurance is the trade name of Living Secure Insurance Advisors, LLC, a licensed insurance agency. Learning Center articles are general information, not advice about your situation; rules, plans, and costs change and vary by state. This page is for general informational purposes and does not constitute an offer of insurance or a guarantee of coverage or cost.

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