What health insurance options are available in Monroe County, Florida?

Monroe County residents can choose ACA Marketplace (Obamacare) plans, Medicare Supplement and Medicare Advantage, small-group coverage for employers, and for some healthy households, lower-cost alternatives. We compare them for free by phone or Zoom.

Can I get a $0 or low-cost ACA plan in Monroe County?

Many Monroe County households qualify for premium tax credits that lower or even eliminate the monthly premium. It depends on income and household size — we check your exact savings at no cost.

When is open enrollment in Monroe County?

ACA open enrollment runs Nov. 1 to Jan. 15 — apply by Dec. 15 for coverage starting Jan. 1. Medicare's Annual Enrollment Period runs Oct. 15 to Dec. 7. Certain life events allow a special enrollment period.

I earn too much for subsidies. Are there cheaper options than the Marketplace in Monroe County?

If your household income is above 400% of the federal poverty level, you may pay full price on the Marketplace. Reasonably healthy, non-tobacco households with no pending procedures may qualify for significantly lower premiums with alternative plans. People with significant medical history are usually best served by the Marketplace.

Do you have an office in Key West?

We serve all of Monroe County remotely by phone and Zoom, so you get licensed, local-market help without driving anywhere. Our help is free.

Monroe County, Florida · County seat: Key West · South Florida

Monroe County Health Insurance: Compare ACA, Medicare & Lower-Cost Plans

Whether you live in Key West or anywhere in Monroe County, a licensed Texas agent can compare every plan type for you — free. Find out in one call if you qualify for a $0 or reduced premium, or if you're overpaying for Marketplace coverage.

Call 800-214-8976 Book a call Get a quote Am I overpaying?

Free help by phone or Zoom. Subject to review and qualification.

Health insurance in Monroe County

Monroe County is part of South Florida, one of the busiest Marketplace markets in the country, with many carriers and large hospital systems around Miami, Fort Lauderdale and West Palm Beach. Before you enroll, we confirm your doctors, prescriptions and nearby hospitals are in-network — the most common mistake we see when Key West-area residents pick a plan on their own.

Plans we compare for Monroe County residents

ACA Marketplace (Obamacare) — Subsidies can lower premiums to $0 for many households. Covers pre-existing conditions.
Medicare Supplement, Advantage & Part D — Turning 65 or reviewing your plan during Oct. 15 – Dec. 7.
Small group & ICHRA — Coverage for Monroe County employers with 2+ employees.
Lower-cost alternatives — Available in Florida for healthy, non-tobacco households over 400% FPL paying full price.
Dental & vision — Stand-alone plans, including self-enroll options.

Key Monroe County enrollment dates

Medicare Annual Enrollment: Oct. 15 – Dec. 7
ACA open enrollment: Nov. 1 – Jan. 15 (apply by Dec. 15 for a Jan. 1 start)
Special enrollment: moving, losing coverage, marriage, a new baby and other life events

Low income or a pre-existing condition? The ACA Marketplace is usually your best — and sometimes only — option. See all enrollment deadlines.

Paying too much in Monroe County?

Households over 400% of the poverty level can lose all subsidies. A 2-minute check shows whether you could save.

Call 800-214-8976 Book a call Get a quote Am I overpaying?

City pages in Monroe County

Monroe County health insurance questions

Call 800-214-8976 Book a call Get a quote Am I overpaying?

TXInsurance.com is a licensed insurance agency. We do not offer every plan available in your area; currently we represent multiple organizations offering many products. Please contact Healthcare.gov, 1-800-MEDICARE, or your local State Health Insurance Program for all options. Savings, $0 premiums and eligibility depend on income, household, plan and carrier rules and are subject to review and qualification. ACA alternatives are not ACA-compliant qualified health plans and may exclude pre-existing conditions.

*Some ACA plans in some areas have a small one-time enrollment fee due to little or no broker compensation. Agency enrollment fees never apply to Medicare products.