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Health Insurance & ACA Marketplace Plans
Tailored Insurance Solutions from United Insurance Corp
Choosing health insurance shouldn’t feel overwhelming. Whether you’re self-employed, between jobs, not offered benefits through your employer, or just looking for more affordable options, United Insurance Corp is here to help you compare plans and find coverage that fits your needs and your budget.
We’re a local, independent agency in Boca Raton, and we work with multiple health insurance carriers and ACA Marketplace (Obamacare) plans to help individuals and families understand their options—not just pick something online and hope for the best.
How We Help With Your Health Insurance
Instead of guessing online, we walk you through the process step by step.
Instead of guessing online, we walk you through the process step by step.
Instead of guessing online, we walk you through the process step by step.
- Review your current situation
Are you uninsured, losing coverage, changing jobs, or just looking for a better plan? - Check for financial help (subsidies)
We’ll estimate whether you qualify for: - Premium tax credits to lower your monthly payment
- Cost-sharing reductions that can lower deductibles and copays
- Compare multiple plan options
We help you look at: - Monthly premiums
- Deductibles and out-of-pocket maximum
- Copays and coinsurance
- In-network doctors and hospitals
- Prescription drug coverage
- Explain everything in clear terms
No jargon, no pressure—just honest guidance from a local team. - Help you enroll and stay on track
We assist with the enrollment, answer questions before and after your plan starts, and help with updates if your income or situation changes.
Types of Health Plans We Can Help You With
Instead of guessing online, we walk you through the process step by step.
Instead of guessing online, we walk you through the process step by step.
We can review a variety of options, including:
- ACA Marketplace (Obamacare) Plans
For individuals and families who want comprehensive coverage and may qualify for government subsidies. - On-Exchange & Off-Exchange Plans
Plans sold through the Marketplace (with subsidies) and plans available outside the Marketplace when appropriate. - HMO, PPO, and EPO Plans
We’ll explain how referrals, networks, and out-of-network coverage work so you understand the trade-offs. - Plans for Self-Employed and Small Business Owners
If you don’t have employer coverage, we’ll go over options that make sense for your situation. - Short-Term or Limited Options (where appropriate)
For very specific situations, we may review temporary solutions, but we’ll always explain the pros and cons compared to full ACA coverage.
Who May Benefit From ACA Coverage?
ACA / Marketplace health insurance can be especially helpful if:
- You don’t have employer coverage
- You’re self-employed or a gig worker
- You’ve lost coverage due to job changes, divorce, aging off a parent’s plan, etc.
- Your COBRA coverage is too expensive
- Your household income qualifies you for subsidies to reduce the monthly premium
Even if you think your income is too high for assistance, it’s worth having us run the numbers—you may be surprised
Understanding Your Costs: Premiums, Deductibles & Copays
Health insurance is more than just the monthly payment. We’ll help you understand:
- Premium – What you pay monthly to keep your plan active
- Deductible – What you pay out of pocket before the plan starts sharing costs
- Copays & Coinsurance – Your share of costs for visits, prescriptions, and services
- Out-of-Pocket Maximum – The most you’ll pay in a year for covered services before the plan pays 100%
We match you with a plan where total costs (premium + expected care) fit your doctor visits, prescriptions, and comfort level.
Open Enrollment vs. Special Enrollment
Open Enrollment Period (OEP)
Special Enrollment Period (SEP)
Special Enrollment Period (SEP)
Once a year, there is a set window when most people can enroll in or change their ACA health plan for the upcoming year.
Special Enrollment Period (SEP)
Special Enrollment Period (SEP)
Special Enrollment Period (SEP)
You may qualify to enroll outside of Open Enrollment if you’ve had a life event, such as:
- Losing other qualifying coverage
- Moving to a new area
- Getting married or divorced
- Having a baby or adopting a child
- Turning 26 and aging off a parent’s plan
If you’re not sure whether you qualify, we can look at your situation and let you know your options.