Chaperone Health Insurance Plus
Oscar Health Insurance Agent Near You in Fort Lauderdale, Florida
Oscar Health sells individual and family plans in Florida, and its South Florida service area includes Broward, Miami-Dade, and Palm Beach counties, according to Oscar’s November 2025 Southern Florida announcement. I’m Roxroy Ashley, an independent licensed agent with HealthMarkets based in Fort Lauderdale. I’m not an Oscar employee, so like other independent health insurance agents, I can compare Oscar’s 2027 plans with plans from the other carriers I represent, checked against your doctors, your prescriptions, and your full-year cost.
Open Enrollment for 2027 Marketplace 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 Oscar Plans for You
Before I recommend anything, I check:
- Your doctors and hospitals against Oscar’s 2027 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 Oscar 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:
Oscar ACA Marketplace and Off-Marketplace Plans for 2027
Here’s how Oscar’s 2027 lineup is organized, based on Oscar’s October 20, 2026 plan announcement, Florida OIR’s 2027 individual market filings, and Oscar’s 2026 South Florida plan materials. Oscar confirmed Florida as a 2027 market, and its 2026 service area covered Broward, Miami-Dade, and Palm Beach counties. Plans vary by county, so I’ll confirm what’s available at your address.
ACA Marketplace plans. Oscar’s Marketplace plans are HMO plans sold on HealthCare.gov in Bronze, Silver, and Gold tiers, according to Florida OIR’s 2027 plan distribution table. Oscar’s 2026 South Florida lineup included standard plans and condition-focused plans for people living with diabetes, COPD or asthma, or cardiovascular-kidney-metabolic conditions, according to Oscar’s November 2025 announcement. For 2027, Oscar added RetireEase, a plan for people in early retirement who are not yet on Medicare, with Florida among the states where it’s offered, according to Oscar’s October 2026 announcement. Marketplace plans are the only Oscar plans where you may qualify for financial help.
Off-Marketplace plans. Oscar’s HMO plans are sold both on and off the Exchange, and Oscar Insurance Company of Florida offers EPO plans off the Exchange only, according to Florida OIR’s 2027 individual market table. Off-Marketplace plans are bought directly from the carrier or through private health insurance agents like me, and they can make sense if you don’t qualify for financial help. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplace, so I’ll compare both routes before you decide.
What Oscar doesn’t offer. Oscar is not among the carriers filing small group plans in Florida for 2027, according to Florida OIR’s 2027 small group market availability table. If you need group health insurance brokers or small business health insurance brokers, I compare group plans from other carriers on my Small Business Insurance page.
Oscar built its plans around its mobile app, which members use to find in-network doctors, view claims, and reach Oscar’s Care Team. Oscar’s 2026 South Florida plans included around-the-clock virtual urgent care and virtual primary care visits at no cost to the member, with conditions that apply, according to Oscar’s November 2025 announcement. If you’re comfortable managing care from your phone and your doctor is in Oscar’s network, that can be a good fit. If you’d prefer more out-of-network flexibility, I’ll show you how other carriers compare.
Is Working With Me Right for You?
Working with me can be a good fit if you’re considering an Oscar plan, already have one and want to check it for 2027, need to replace coverage that ended, or are self-employed. The best health insurance agents and the best insurance agents, in my view, show you every path that fits, including telling you when your current plan is still right. If you’re searching for the insurance agent closest to you, I’m at my office in Fort Lauderdale and I come to you. My help comes at no extra cost, and there’s no obligation to enroll. For dental or vision coverage, see my Dental, Vision, Life & Supplemental page.
Frequently Asked Questions About Oscar Health Plans
What Is Oscar Health Insurance?
Oscar Health is an insurance company founded in 2012 that sells individual and family plans, mostly through the ACA Marketplace, in 21 states for 2027, according to Oscar’s October 2026 announcement. Oscar health plans are known for their mobile app and virtual care. Oscar health insurance Florida coverage is sold by county: its 2026 South Florida service area covered Broward, Miami-Dade, Palm Beach, Martin, and St. Lucie counties, according to Oscar’s November 2025 announcement, and I’ll confirm 2027 availability at your address.
How Do I Decide Whether an Oscar Plan Is a Good Fit?
People ask me “is Oscar health insurance good” or “is Oscar a good health insurance,” and read Oscar health insurance reviews before calling. My honest answer is that it depends on your doctors and how you use care. Oscar health insurance pros and cons, as I see them: the app and virtual care are convenient and the plan design is simple, while HMO plans require a primary care doctor and generally don’t cover routine care outside the network. Reviews of any carrier reflect individual experiences, so I’ll check your providers and prescriptions against Oscar and the other carriers I represent and let you decide on facts.
Is Oscar Health Insurance Medicaid?
No. Oscar is a private insurance company, and its Florida plans are individual and family plans sold on and off the ACA Marketplace. Medicaid is a government program you apply for through the state of Florida, and Oscar does not offer Medicaid plans in Florida. If you’re unsure which you qualify for, I’ll help you sort it out. See my Extra Help and Special Situations page.
What Do Health Insurance Agents in My Area Do for Oscar Members?
Health insurance agents in my area, ACA agents, and the health care agents and health insurance reps you find online should do more than hand you an application. I check your doctors and prescriptions against Oscar’s plans and other carriers’ plans, estimate your full-year cost, help with the HealthCare.gov application if you choose a plan, review your coverage every year, and help with claims and billing. Medical insurance agents, a medical insurance broker, and local medical insurance agents are different names for the same licensed role.
How Do I Find a Health Insurance Broker Who Knows Oscar?
To find a health insurance broker you can trust, confirm the broker is licensed through the Florida Department of Financial Services, where licensed health insurance brokers are listed. Then ask whether they’re independent health insurance agents or captive, 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 and health insurance brokers in my area answer all three without hesitation. My Florida license number is W323530, and my NPN is 17946070.
What Does It Cost to Work With Me, and What Will an Oscar Plan Really Cost?
My help comes at no extra cost to you. If you’re searching for cheap insurance agencies, know that plan premiums are generally the same whether you enroll through me or directly with Oscar, so working with me adds nothing to your premium. The true yearly cost of a plan is more than the premium: it includes your deductible, copays, prescription drug costs, and out-of-pocket maximum, the most you’d pay in a year for covered care. I estimate all of these for each plan we compare. Depending on your household income, you may qualify for financial help on a Marketplace plan. All quotes are estimates and aren’t final until you’re enrolled.
Does Oscar Offer Small Business Group Plans?
Not in Florida for 2027, according to Florida OIR’s 2027 small group filings; Oscar ended its Cigna + Oscar small group offering after 2024, according to a May 2024 Becker’s Payer Issues report. If you’re searching for small business insurance agents, small business insurance brokers, group health insurance agents, or health insurance brokers for small business, I help businesses with 50 or fewer employees compare group plans from other carriers. I focus on health coverage, not business liability or property insurance.
When Can I Enroll in an Oscar Plan?
Open Enrollment for 2027 coverage runs from November 1, 2026 through January 15, 2027, according to HealthCare.gov. Enroll by December 15, 2026 for a January 1 start; enrollments from December 16 through January 15 start February 1, 2027. Outside that window, you may qualify for a Special Enrollment Period after a life event such as losing other coverage, moving, or having a baby. I’ll help you 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.