Health coverage for job changes, self-employment, and early retirement.

How do I get health insurance in Lakeland, FL?

Lakeland residents can enroll in health insurance through the ACA Marketplace (Healthcare.gov), Medicare (if eligible), or private plans. A licensed local broker can compare options from multiple carriers with carrier-paid broker compensation. Call 863-640-3102 or visit the help form to start.

What does a health insurance broker cost in Florida?

Insurance carriers generally compensate appointed brokers when an enrollment is completed. David does not charge a separate fee for the plan-review assistance described on this site. Compensation and availability can differ by carrier and product.

Can I get ACA health insurance if I am self-employed in Florida?

Self-employed individuals may enroll in ACA Marketplace coverage if they meet the applicable eligibility requirements and may qualify for premium tax credits based on projected household income and other application information. Eligibility and savings are determined by the Marketplace.

When is open enrollment for health insurance in Florida?

For plan year 2027, Florida uses HealthCare.gov. Marketplace Open Enrollment starts November 1, 2026. December 15, 2026 is the last day to enroll or change for coverage that starts January 1, 2027. Open Enrollment ends January 15, 2027; enrollments from December 16 through January 15 generally start February 1. Medicare Annual Enrollment runs October 15 through December 7. A Special Enrollment Period may apply outside those windows, but eligibility and documentation must be confirmed.

What is the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage (Part C) is an alternative way to receive Medicare benefits through a private plan that often includes prescription drugs, dental, and vision, with network restrictions. Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs, with higher premiums but broader provider flexibility.

What health insurance plans are available in Polk County?

Available options depend on ZIP code, county, age, eligibility, plan year, carrier service area, and—in some products—health underwriting. Confirm current options before relying on any carrier, provider, prescription, premium, or benefit description.

We do not offer every plan available in your area. Currently we represent 10 organizations which offer 73 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Company inventory note: HealthMarkets/Connecture displayed 10 organizations and 73 products for the selected 2026 Lakeland/Polk County service area on August 17, 2026. Those figures are not CMS counts or statewide Florida totals. Counts and available products vary by ZIP code, service area, plan year, and current company authorization. Confirm the ZIP code and current approved platform inventory before relying on these figures. Plan availability, benefits, networks, formularies, pharmacies, and costs are subject to the applicable plan documents and service area.