Chaperone Health Insurance Plus
Ambetter Health Insurance Agent Near You in Fort Lauderdale, Florida
Ambetter from Sunshine Health sells individual and family Marketplace plans across Florida, including Broward, Miami-Dade, and Palm Beach counties. I’m Roxroy Ashley, an independent licensed agent with HealthMarkets and an insurance agent in Fort Lauderdale. I’m not an Ambetter employee, so like other independent health insurance agents, I compare Ambetter insurance side by side with plans from the other carriers I represent, checked against your doctors, your prescriptions, and your full-year cost.
Open Enrollment for 2027 coverage runs from November 1, 2026 through January 15, 2027, and December 15, 2026 is the last day to pick a plan that starts January 1, according to HealthCare.gov. When you’re ready, book a free plan review and we’ll look at your options together, by phone, on Zoom, at my office, or at your home in Broward, Miami-Dade, or Palm Beach County.
I’LL EVEN CALL YOUR DOCTOR
Get a Free Quote From Independent Health Insurance Brokers Who Check Ambetter Plans for You
Before I recommend anything, I check:
- Your doctors and hospitals against Ambetter’s network and every alternative, including HCA Florida, Memorial, and Baptist Health
- Your prescriptions and pharmacy against each drug list
- Your full-year cost, not only the premium
If a detail is unclear, I call your doctor’s office myself. Your quote is free, with no obligation to enroll. Get your free quote and I’ll do the research for you.
Hear how I help you choose a plan with confidence.
MORE THAN A FREE QUOTE
Why Choose Me Among ACA Agents for Ambetter Plans
I Start With Your Household: We begin with who needs coverage, your income, and your doctors, so I know what you qualify for before we look at a single plan. If you’re self-employed, between jobs, or losing employer coverage, I’ll tell you which enrollment window applies to you.
Your Doctors and Prescriptions Checked: Individual plans often use narrower networks than employer plans. I confirm your providers, medications, and pharmacy are covered for everyone on the plan before recommending anything. If something is unclear, I’ll call your doctor’s office myself.
The Plan That Costs Less for You: The lowest premium isn’t always the lowest cost. I calculate your full-year cost for every plan, including any Marketplace savings you qualify for, so you see what your family would really pay.
My Help Costs You Nothing Extra: Insurers pay my commission, and plan premiums are generally the same whether you enroll through me or through HealthCare.gov on your own, so you get personal guidance and ongoing support at no additional charge.
At Your Pace, Every Question Answered: I’ll walk you through your options at your pace, answer every question, and let you decide what’s right. There’s no obligation to enroll.
I Handle the Application: If you choose a plan, I complete the Marketplace application with you, including the income details that affect your savings, and follow it through to approval before your deadline.
Licensed and Verified: I’m licensed in 33 states and registered with the federal Marketplace. You can verify my license (Florida License #W323530, NPN #17946070) anytime through your state’s insurance department.
I Stay Your Agent After You Enroll: Work with me directly, in person, by phone, or on Zoom, and I reply within 24 to 48 hours. I’m here when your income, family, or job changes, since each of those can change your coverage and your savings.
You can read all 25 reasons we should work together on my Why Choose Me page.
Compare Health Plans From the Carriers I Work With
The right plan for you depends on your doctors, prescriptions, and budget more than the name on the card. Compare your options with my overview of individual and family health plans and my guides to each carrier I work with:
Ambetter ACA Marketplace and Off-Marketplace Plans for 2027
Here’s how Ambetter’s 2027 lineup in Broward, Miami-Dade, and Palm Beach counties is organized, based on the plan information Ambetter had published as of October 2026. Plans vary by county, so I’ll confirm exactly what’s available at your address.
ACA Marketplace plans. Ambetter’s 2027 Florida Marketplace plans are sold under the Ambetter Health Premier name in bronze, silver, and gold, with no referral needed to see a specialist, according to Ambetter’s Florida health plans page. They are HMO plans, per Ambetter’s 2027 Florida transparency notice, so your doctors and hospital should be confirmed in network before you enroll. Marketplace plans are the ones where you may qualify for financial help based on your household income.
Off-Marketplace coverage through Ambetter Health Solutions. Ambetter’s Florida health plans page describes Ambetter Health Solutions as off-Marketplace coverage, in bronze, silver, and gold, for people who buy an individual plan with money from an employer’s Individual Coverage HRA (ICHRA) or Qualified Small Employer HRA (QSEHRA). Private health insurance agents who understand HRAs can line the plan up with your employer’s reimbursement. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplace, so if you’d qualify for financial help, the Marketplace plans usually deserve the first look.
What Ambetter doesn’t offer. Ambetter Florida plans are individual and family plans only; Ambetter’s Florida materials list no small group plans for employers. If you own a business with 50 or fewer employees and want a group plan, see my Small Business page.
Ambetter and Sunshine Health: How They’re Related
Ambetter is the Health Insurance Marketplace brand of Centene Corporation, and in Florida it is sold as Ambetter from Sunshine Health, according to Ambetter’s Florida About Us page. Sunshine Health is Centene’s Florida health plan, fully owned by Centene and serving Florida Medicaid members since 2009, according to Sunshine Health’s newsroom and Centene’s September 2013 Marketplace approval announcement, and Ambetter from Sunshine Health has sold Marketplace plans since 2014 coverage. In plain terms, Sunshine Health handles Medicaid and Ambetter handles individual and family coverage within the same company family.
One detail for 2027: Ambetter’s Florida plans are underwritten by Centene Venture Company Florida and Sunshine State Health Plan, Inc., according to Ambetter’s Florida website, and healthinsurance.org’s Florida Marketplace guide, updated in August 2026, reports that Sunshine State Health Plan’s Marketplace products end after 2026, with members moved to an Ambetter plan from Centene Venture Company Florida unless they choose another plan. If your renewal letter shows a new plan name or plan ID, bring it to our plan review.
Is Working With Me Right for You?
Working with me can be a good fit if you’re considering an Ambetter plan, already have one and want to check it for 2027, or want to find a health insurance broker who compares Ambetter against every other carrier he represents. I also help self-employed people and households where one spouse is on Medicare and the other needs individual coverage. My help comes at no extra cost to you, and there’s no obligation to enroll.
If you want the insurance office closest to you, my office in Fort Lauderdale is at 6360 NW 5th Way, Suite 101, and I also meet by phone, on Zoom, or at your home in Broward, Miami-Dade, and Palm Beach counties.
Frequently Asked Questions About Ambetter Health Plans
What Do Independent Health Insurance Agents Do for Ambetter Members?
Independent health insurance agents check your doctors, hospitals, and prescriptions against Ambetter’s plans and other carriers’ plans, estimate your full-year cost, and help with the application if you choose a plan. After you enroll, I review your coverage every year and help with claims and billing. ACA agents registered with the Marketplace, as I am, also help you report income changes during the year.
How Do I Choose Among Licensed Health Insurance Brokers in My Area?
Ambetter is the insurance company that offers the plans; independent health insurance brokers and health insurance agents in my area, like me, work through an agency such as HealthMarkets and compare Ambetter with the other carriers they represent. To find health insurance agent help, first confirm the person is a licensed health insurance agent through the Florida Department of Financial Services, then ask which carriers they work with, whether they check your doctors and prescriptions first, and whether they’ll review your coverage every year. The best health insurance brokers answer all three without hesitation. My Florida license number is W323530, and my NPN is 17946070. Agents for health insurance and independent medical insurance agents can usually show you more than one carrier.
Is Ambetter Good Insurance?
It depends on what you need from a plan, which is the honest answer for any carrier. Ambetter has sold Florida Marketplace plans since 2014 and listed coverage in 63 Florida counties for 2026, including Broward, Miami-Dade, and Palm Beach, according to Ambetter Health’s Florida announcement. Ambetter Florida plans for 2027 are HMO plans, according to Ambetter’s 2027 transparency notice, so they suit people whose doctors and hospital are in network. Ambetter insurance reviews online, like reviews of any large carrier, vary widely, so I’d weigh them lightly next to three things you can verify: your doctors in the network, your prescriptions on the drug list, and your full-year cost. HealthCare.gov also publishes quality ratings for each plan, and I’ll walk you through them during your plan review.
Are There Cheap Insurance Agencies That Help With Ambetter Plans?
My help comes at no extra cost, so you don’t need to look for cheap insurance agencies to save on agent fees. Plan premiums are generally the same whether you enroll through me or directly with Ambetter insurance. What drives your yearly cost is the premium, the deductible, your copays, your prescription drug costs, and the plan’s out-of-pocket maximum, which is why I give you a full-year estimate for each option. With a Marketplace plan, you may qualify for financial help based on your household income and size. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplace. All quotes are estimates and are not final until you’re enrolled.
Do Group Health Insurance Brokers Offer Ambetter Small Business Plans?
Not in Florida, because Ambetter’s Florida materials list no small group plans. Group health insurance brokers, group health insurance agents, and small business health insurance brokers like me quote group coverage from other carriers for businesses with 50 or fewer employees. If you’re searching for health insurance brokers for small business or small business insurance agents and brokers, I handle group health coverage, not property or liability insurance; see my Small Business page. If you need a dental insurance agent, see my Dental, Vision, Life & Supplemental page.
When Can I Enroll in an Ambetter Plan for 2027?
Open Enrollment for 2027 Marketplace coverage runs from November 1, 2026 through January 15, 2027, according to HealthCare.gov. Enroll by December 15, 2026 for coverage that starts January 1, 2027; enrolling after that generally means a February 1 start. Outside Open Enrollment, you may qualify for a Special Enrollment Period after a life event such as losing employer coverage, moving, or having a baby. If a medical insurance broker or local medical insurance agent never mentioned a deadline, I’ll confirm which window applies to you.
- How It Works
How we'll work together
Five steps, no pressure, and I stay with you after you enroll.
1
We talk about you
By phone, Zoom or face to face. Your health, your budget, your doctors.
2
I check the details
Doctors, hospitals, prescriptions and pharmacy, checked against each plan.
3
We compare real costs
A full-year estimate for each option, explained in plain language.
4
You decide, I enroll you
No pressure. If you choose a plan, I handle the application with you.
5
We review every year
Plans and networks change. I check yours each year and help with claims in between.
Book a Free Plan Review
Pick a time for a free 15-minute call by phone or video. I’ll check whether your doctors are covered, and my help never costs you anything extra.
Call or text: (954) 410-3710
Email: contact@chaperonehealthinsuranceplus.com
Office: 6360 NW 5th Way Ste 101, Fort Lauderdale, FL 33309
Meet by: phone, video, at my office, or at home in Broward, Miami-Dade and Palm Beach.