Kovarsky & Associates originally began offering “individual health insurance” to people under age 65 in 1990. Through our relationship with HealthSherpa, we are able to assist more people throughout Florida whether or not they are entitled to ‘subsidies’ (which have been greatly expanded for 2024).

HealthSherpa will allow you to see most available plans in your area, and check to see whether or not your doctors are in the network with the insurance companies you view (though doctors reserve the right to go in and OUT of networks at their discretion). If you qualify for a subsidy (click the link to “Quote On Exchange” to check), our link to HealthSherpa will seamlessly guide you through “The Marketplace” in, according to HealthSherpa, half the time.

If you do not qualify for a subsidy, or simply want to avoid “The MarketPlace”, click “Quote Off Ex (change)” to see more plans. Please note, carriers limit the plans they offer through both “ON” and “OFF” “Exchange”. Also, please note that most plans are “HMO Plans”, meaning you only have “Out Of Network” coverage in a “true emergency situation”. Florida Blue (formerly known as “Blue Cross / Blue Shield of Florida”) is one of the few carriers that offer “PPO Plans” through their “Blue Options” (largest PPO network available for “Individual Plans” in Florida) and “Blue Select” (smaller list of providers than Blue Options with substantial savings over the plans available using the “Blue Options Network”).

Individual Health Insurance
Click Here to View HealthSherpa Plans