Chaperone Health Insurance Plus
ACA Agents Near You in Fort Lauderdale, Florida for Individual and Family Health Insurance
Buying your own health insurance comes with a lot of decisions: Marketplace or off-Marketplace, which metal level, which network, and whether your household may qualify for financial help. I’m Roxroy Ashley, an independent licensed agent with HealthMarkets based in Fort Lauderdale, and for 14 years I’ve helped people compare their options side by side, explained in plain language. I help individuals and families who aren’t on Medicare find ACA coverage that fits their doctors, their prescriptions, and their budget, and I stay on as your agent long after you enroll.
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 a Health Insurance Agent Who Does the Research for You
Individual plans often use narrower networks than employer plans, so before I recommend anything, I check:
Everyone’s doctors and hospitals against each plan’s network, including HCA Florida, Memorial, and Baptist Health
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 for Individual & Family Health Insurance
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.
ACA Marketplace and Off-Marketplace Plans, Explained in Plain Language
ACA plans are health plans that follow the Affordable Care Act’s rules. They cover a set of essential health benefits, such as doctor visits, hospital care, prescriptions, maternity care, mental health care, and preventive services, and they can’t deny you or charge you more because of a pre-existing condition. You can buy them in two ways.
Marketplace plans, also called Qualified Health Plans, are sold through the federal Health Insurance Marketplace, which Florida residents reach through HealthCare.gov. Depending on your household income and size, you may qualify for financial help that lowers your monthly premium, and some households may also qualify for lower out-of-pocket costs on Silver plans. I’m registered with the federal Marketplace, so I can help you apply, see what you may qualify for, and enroll.
Off-Marketplace plans are bought directly from an insurance company. ACA-compliant off-Marketplace plans follow the same core rules, but they aren’t eligible for the cost savings offered through the Marketplace. They can be worth comparing if your household doesn’t qualify for financial help, or if a plan you need is only offered off the Marketplace. I’ll show you both paths and explain the trade-offs so you can decide.
Plans are also grouped into metal levels: Bronze, Silver, Gold, and in some areas Platinum. The metal level describes how you and the plan share costs, not the quality of care. Lower levels usually have lower premiums and higher costs when you get care, and higher levels usually work the other way around. I’ll translate each plan’s terms into plain language, so you know exactly what you’re buying.
Medical Insurance Agents for Families, the Self-Employed, and Life Changes
I help about 148 individuals and families with ACA and Marketplace coverage each year, based on my own client records. Many of them are in the middle of a change: early retirees leaving employer coverage before they’re eligible for Medicare, freelancers and business owners who are self-employed and buying their own coverage, young adults turning 26 and coming off a parent’s plan, growing families adding a new baby, and people between jobs who need coverage without a gap.
I also work with households where one spouse is on Medicare and the other isn’t. Because I help with both Medicare and under-65 coverage, your whole household can work with one agent, and I can make sure both plans work well together, including the doctors you share. Keep in mind that Medicare isn’t only for people 65 and older. It also covers some people under 65 with qualifying disabilities, and Marketplace plans generally aren’t an option for someone who already has Medicare. If you’re not sure which applies to your household, I’ll help you sort it out.
ACA Open Enrollment and Special Enrollment Periods
For 2027 coverage, Open Enrollment on HealthCare.gov runs from November 1, 2026, through January 15, 2027. To have coverage start on January 1, 2027, you generally need to choose a plan by December 15, 2026. If you enroll after that, coverage usually starts February 1. Federal enrollment rules have changed several times recently, so I’ll confirm the current dates with you well before any deadline.
Outside Open Enrollment, you can usually enroll only if you qualify for a Special Enrollment Period after a major life change, such as losing other health coverage, moving, getting married, or having or adopting a child. The window to act is usually 60 days, so it’s worth calling me as soon as something changes. Medicaid and the Children’s Health Insurance Program (CHIP) accept applications year-round.
Local Health Insurance Agent Who Knows South Florida
Most of my clients live right here in South Florida. My office is at 6360 NW 5th Way, Suite 101, in Fort Lauderdale, and I offer home visits throughout Broward, Miami-Dade, and Palm Beach counties. If you live in another state where I’m licensed, we can meet by phone or Zoom.
MORE WAYS I CAN HELP
Find the Right Coverage for Every Stage of Life
Most households need more than one kind of coverage, and what you need changes as life does. Keep reading for the details on this page, or see all the coverage I help with and my guides to each type of insurance:
Is Working With Me Right for You?
If you’re buying your own health insurance and want someone to check the details with you, I can help, whether you’re a single adult, a family, self-employed, retiring early, or sharing a household with a spouse on Medicare. I’m upfront about how agents are paid: sales agents may be compensated based on a consumer’s enrollment in an insurance plan, and I’m happy to explain how that works.
Frequently Asked Questions About ACA Agents and Individual Health Insurance
How Much Does It Cost to Work With You?
Nothing. My help comes at no extra cost to you, and plan reviews and quotes are free with no obligation to enroll. I’m paid a commission by the insurance company when you enroll in a plan through me, and that commission is already built into the plan’s premium, so you pay the same whether you enroll through me or directly with the carrier. Your actual yearly cost depends on the plan itself: premium, deductible, copays, drug costs, and out-of-pocket maximum. I give you a full-year estimate for each option, and all quotes are estimates until you’re enrolled.
What Can an ACA Agent like You Do That I Can’t Do on HealthCare.gov?
You can always shop and enroll on HealthCare.gov yourself. What an ACA agent adds is personal help with the parts that are easy to get wrong. I check your doctors, hospitals, prescriptions, and pharmacy against each plan, estimate your full-year cost, help you apply for any financial help you may qualify for, and handle the application with you. Because I’m registered with the federal Marketplace, I can enroll you in Marketplace plans, and I stay on as your agent after you enroll. I’m an independent agent with HealthMarkets, not a government office.
Can You Help if I’m Self-Employed or Between Jobs?
Yes. If you’re self-employed, I can help you compare individual and family plans for your household, and if you own a business with 50 or fewer employees, I can also help with small-group coverage for your team. If you’re leaving a job or losing employer coverage, you may qualify for a Special Enrollment Period, usually with 60 days to enroll, so it’s best to reach out as soon as you know your coverage is ending.
Do Private Health Insurance Agents Offer Plans Outside the Marketplace?
Many people use “private health insurance” to mean coverage they buy on their own, whether through the Marketplace or directly from an insurance company. I help with both. ACA-compliant plans bought outside the Marketplace follow the same core rules, but they aren’t eligible for the Marketplace’s cost savings. Some other products sold outside the Marketplace don’t have to follow ACA rules and may not cover pre-existing conditions or all essential health benefits, so I’ll always explain exactly what a plan does and doesn’t cover before you decide.
Can My Spouse Get Individual Health Insurance if I’m on Medicare?
Yes. A spouse who isn’t on Medicare can buy an individual plan, and depending on your household income and other factors, such as whether they’re offered job-based coverage, they may qualify for financial help through the Marketplace. Because I help both Medicare and under-65 clients, I can look at both of your plans together.
When Can I Enroll in an Individual or Family Health Plan?
Open Enrollment for 2027 coverage runs from November 1, 2026, through January 15, 2027, on HealthCare.gov. Choose a plan by December 15, 2026, for coverage that starts January 1, 2027. Outside Open Enrollment, you’ll generally need a Special Enrollment Period after a qualifying life change. Medicaid and CHIP accept applications year-round.
- 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.