Chaperone Health Insurance Plus
Florida Blue Health Insurance Agent Near You in Fort Lauderdale, Florida
Florida Blue is the Blue Cross and Blue Shield plan for Florida, and it sells individual, family, and small business coverage statewide, including Broward, Miami-Dade, and Palm Beach counties. I’m Roxroy Ashley, an independent licensed agent with HealthMarkets based in Fort Lauderdale. I’m not a Florida Blue employee, so I compare Florida Blue insurance with plans from the other carriers I represent, checked against your doctors, your prescriptions, and your full-year cost. If you’ve been searching for health insurance brokers or independent health insurance agents who know Florida Blue health insurance, that’s what I do every day.
Marketplace Open Enrollment for 2027 coverage runs from November 1, 2026 through January 15, 2027, and you need to enroll by December 15, 2026 for coverage 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 Florida Blue Plans for You
Before I recommend anything, I check:
- Your doctors and hospitals against each Florida Blue network and every alternative, including Baptist Health, Memorial, and HCA Florida
- 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 Florida Blue 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:
Florida Blue ACA Marketplace, Off-Marketplace and Small Business Group Plans for 2027
Here’s how Florida Blue insurance is organized for 2027 in Broward, Miami-Dade, and Palm Beach counties, based on the information Florida Blue had published in October 2026. Plans vary by county, so I’ll confirm what’s available at your address.
ACA Marketplace plans. Florida Blue offers 2027 individual and family plans through HealthCare.gov, with PPO plans from Blue Cross and Blue Shield of Florida and HMO plans from Health Options, Inc., which does business as Florida Blue HMO, according to Florida Blue’s 2027 Open Enrollment materials. In South Florida, the myBlue HMO was built with Baptist Health South Florida and is offered in Miami-Dade, Broward, and Palm Beach, according to Baptist Health’s announcement of the plan. HMO plans ask you to choose a primary care doctor and stay in network for most care, while EPO and PPO designs let you see specialists without a referral. Marketplace plans are the only Florida Blue plans that can be paired with Marketplace financial help, which you may qualify for based on household size and income.
Off-Marketplace plans. Florida Blue also sells its individual plans directly, outside HealthCare.gov. Off-Marketplace enrollment for 2027 opened October 1, 2026, and runs through December 31, 2026 for a January 1 start, according to Florida Blue’s 2027 enrollment page. These plans cover the same essential health benefits, but off-Marketplace coverage is not eligible for the cost savings offered through the Marketplace, so I run both paths before recommending one. Private health insurance agents and private health insurance brokers should always quote both.
Small Business Group plans. Florida Blue and Florida Blue HMO are both listed as small group carriers by the Florida Department of Financial Services, and Florida Blue’s small business materials describe fully insured plans, a level-funded Balanced Funding option, and HMO plans through Florida Blue HMO and Florida Blue Preferred HMO. I help businesses with 50 or fewer employees compare these against group plans from other carriers. Group health insurance brokers and small business health insurance brokers like me can quote the same Florida Blue plans you’d get by going direct, and my Small Business Insurance page has more.
Florida Blue Insurance and Blue Cross Blue Shield: How They’re Related
Florida Blue is the trade name of Blue Cross and Blue Shield of Florida, Inc., an independent licensee of the Blue Cross and Blue Shield Association, according to Florida Blue’s About Us page. The Association is a national federation of separate, locally run companies, and Florida Blue is the one licensed for Florida. It brought the first Blues plan to Floridians in 1944, is policyholder-owned, and serves nearly 6 million members, according to the same page. Its HMO plans are issued by an affiliate, Health Options, Inc., doing business as Florida Blue HMO. Depending on the plan, a Florida Blue PPO may give you access to Blue Cross Blue Shield networks in other states when you travel, while an HMO plan generally limits routine care to Florida. If you split time between states, I’ll show you how each option handles care away from home.
Is Working With Me Right for You?
Working with me can be a good fit if you’re considering a Florida Blue plan, already have one and want to check it for 2027, lost employer coverage, or own a small business and want to compare group options. I also help households where one spouse is on Medicare and the other needs an individual plan. People searching for independent insurance agents in Fort Lauderdale usually want someone who compares carriers honestly, and that’s how I work. My help comes at no extra cost to you, and there’s no obligation to enroll.
If you’d like the insurance office closest to you, my office is in Fort Lauderdale, and I also meet by phone, on Zoom, or at your home anywhere in Broward, Miami-Dade, and Palm Beach counties.
Frequently Asked Questions About Florida Blue Health Plans
What Is Florida Blue Insurance, and Is It the Same as Blue Cross?
Florida Blue is the name Blue Cross and Blue Shield of Florida uses for its health plans, so Blue Cross Florida insurance and Florida Blue Cross health insurance are the same company. Florida Blue insurance coverage for individuals includes HMO, EPO, POS, and PPO designs, with the HMO plans issued through its affiliate Florida Blue HMO.
Is Florida Blue Good Insurance?
Whether Florida Blue is a good fit depends on your doctors, your prescriptions, and the specific plan more than on the carrier’s name. Florida Blue has offered Blue Cross and Blue Shield coverage in Florida since 1944 and sells ACA plans in every Florida county, according to Florida Blue and HealthCare Insider’s 2026 review, with designs that range from smaller HMO networks to broad PPO networks. Other carriers I represent can be a better match for some households, so I compare them side by side and let you decide.
What Do Health Insurance Agents Do for Florida Blue Members?
Agents for health insurance like me check your doctors, hospitals, and prescriptions against Florida Blue plans and other carriers’ plans, estimate your full-year cost, and handle the application if you choose a plan. Health insurance representatives who work with Florida Blue health insurance should also check whether you may qualify for financial help. After you enroll, I review your coverage every year and help with claims and billing, so you work with the same person year after year instead of a different rep each time you call. The best health insurance agents, including independent medical insurance agents, stay involved after enrollment.
How Do I Find a Health Insurance Broker Who Knows Florida Blue Plans?
To find a health insurance broker or a broker for health insurance who knows Florida Blue plans, confirm the broker is licensed through the Florida Department of Financial Services, then ask which carriers they represent, whether they check your doctors and prescriptions first, and whether they’ll review your coverage every year. The best health insurance brokers and medical insurance brokers in your area will answer all three. Local health insurance agents and local health insurance brokers can also do what HealthCare.gov can’t: call your doctor’s office and know which South Florida hospitals are in each Florida Blue network. Health insurance agents in your area and local medical insurance agents like me also offer home visits, and the premium is the same either way. My Florida license number is W323530, and my NPN is 17946070.
Can You Find Me the Cheapest Florida Blue Insurance Plans?
My help comes at no extra cost, so working with me adds nothing to the price of any Florida Blue insurance plans or Florida Blue medical insurance. The cheapest premium is often not the cheapest plan, though. The true yearly cost is the premium plus the deductible, your copays, your prescription drug costs, and the out-of-pocket maximum, and I estimate all of that for every option. Depending on your household income, you may qualify for financial help through the Marketplace, and off-Marketplace coverage is not eligible for that help. All quotes are estimates until you’re enrolled.
Do You Work With Small Businesses on Florida Blue Group Plans?
Yes. I’m one of the health insurance brokers for small business in Fort Lauderdale who quotes Florida Blue group plans for companies with 50 or fewer employees, and group health insurance agents and licensed health insurance brokers can offer the same plans you’d get directly from Florida Blue. Small business health insurance is different from the property and casualty policies many owners also need, which I don’t sell. For dental or vision for your team or your family, see my Dental, Vision, Life & Supplemental page.
When Can I Enroll in Florida Blue Marketplace Plans for 2027?
Florida Blue Marketplace plans for 2027 can be selected on HealthCare.gov from November 1, 2026 through January 15, 2027, with a December 15, 2026 deadline for a January 1 start, according to HealthCare.gov. Off-Marketplace Florida Blue plans run October 1 through December 31, 2026 for a January 1 start, according to Florida Blue’s 2027 enrollment page. If you’re renewing one of your Florida Blue plans for 2026, its network or cost sharing may have changed, so a review is worth doing even if you keep it. Outside these dates, you may qualify for a Special Enrollment Period after a move, a job loss, a marriage, or a new baby.
- 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.