Chaperone Health Insurance Plus
Molina Health Insurance Broker Near You in Fort Lauderdale, Florida
Molina Healthcare of Florida has sold ACA Marketplace plans in Broward, Miami-Dade, and Palm Beach counties, including the 2026 plan year. I’m Roxroy Ashley, an independent licensed agent with HealthMarkets based in Fort Lauderdale. I’m not a Molina employee, so I can compare Molina insurance with plans from the other carriers I represent, checked against your doctors, your prescriptions, and your full-year cost. If you have a Molina health plan today, I’ll also tell you plainly what Florida’s 2027 filings mean for you.
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.
I’LL EVEN CALL YOUR DOCTOR
Get a Free Quote From Independent Health Insurance Agents Who Check Molina Plans for You
Before I recommend anything, I check:
- Your doctors and hospitals against Molina’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 Molina 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:
Molina ACA Marketplace Plans for 2027
Here’s where things stand in Broward, Miami-Dade, and Palm Beach counties as of October 2026: Molina offered Marketplace plans here for 2026, and the public filings for 2027 indicate Molina is leaving Florida’s individual market. I’ll confirm the final status at your address before we decide anything.
What Molina offered for 2026. Molina Marketplace plans in Florida are sold through HealthCare.gov in a 20-county service area that includes Broward, Miami-Dade, and Palm Beach, according to Molina Healthcare of Florida’s 2026 Evidence of Coverage. You can see in-network specialists without a referral, and out-of-network care generally isn’t covered outside emergencies. I haven’t found Molina offering off-Marketplace individual plans or small business group plans in Florida; its lines of business are Medicaid, Medicare, and Marketplace, according to its website.
What the 2027 filings show. In July 2026, Molina Healthcare said it would concentrate its Marketplace business in about six states for 2027, down from 14, according to Healthcare Dive. Florida’s 2027 filings, as summarized by ACA Signups from the federal Rate Review database and the Florida Office of Insurance Regulation, list Molina Healthcare of Florida as exiting, and NBC Miami reported in August 2026, citing KFF, that Molina is one of three insurers leaving Florida’s Marketplace. I’ll confirm the final word with Molina and HealthMarkets as Open Enrollment opens.
If you have a Molina plan now. If Molina doesn’t offer a plan in your county for 2027, your current coverage ends on December 31, 2026. HealthCare.gov may match you with a replacement plan from another insurer, but choosing your own plan by December 15, 2026 keeps your doctors and prescriptions in your hands, and since your deductible starts over on January 1 with a new carrier, compare the full-year cost of each option. You may qualify for income-based financial help on Marketplace plans, and I’ll check that as part of your free quote.
Molina Healthcare of Florida: What to Know Before You Enroll
Molina Healthcare of Florida is the Florida subsidiary of Molina Healthcare, Inc., based in Long Beach, California. It was founded in 1980 by Dr. C. David Molina, an emergency room physician, and has focused on government-sponsored coverage ever since: Medicaid, Medicare, and Marketplace plans, according to Molina’s corporate materials. Molina’s Florida Medicaid and Medicare lines of business are separate from the individual and family plans covered on this page.
The Molina group of companies built its networks around managed care, so its Florida plans lean on a defined provider network. If your doctors are in it, a Molina plan can be a good fit; if they aren’t, no premium is low enough to make up for it. Molina is the insurance company; I’m a licensed insurance agent, independent of any carrier, who stays on as your agent after you enroll.
Is Working With Me Right for You?
Working with me can be a good fit if you have a Molina plan and need to know what 2027 looks like, if you’re comparing Molina against other carriers, or if you’re self-employed, between jobs, or new to South Florida, including households where one spouse is on Medicare and the other needs a Marketplace plan. Many clients first looked for medical insurance agents or private health insurance agents and simply wanted the options explained without pressure. If you want the insurance closest to you in a practical sense, meaning an insurance agent who meets in person and picks up the phone, that’s me. My help comes at no extra cost to you, and there’s no obligation to enroll.
We can meet by phone, on Zoom, at my office in Fort Lauderdale, or at your home in Broward, Miami-Dade, or Palm Beach County.
Frequently Asked Questions About Molina Health Plans
Is Molina Insurance Still Available in Florida for 2027?
As of October 2026, Florida’s 2027 filings list Molina Healthcare of Florida as exiting, according to ACA Signups and NBC Miami’s August 2026 report citing KFF. I’ll confirm the status for your county during your free plan review, and if a Molina Marketplace plan isn’t offered, I’ll compare the carriers I represent.
What Does a Health Insurance Agent Do for Molina Members?
Agents for health insurance, including health care agents like me, check your doctors, hospitals, and prescriptions against Molina’s plans and other carriers’ plans, estimate your full-year cost, and help with the application. After you enroll, I review your coverage every year and help with claims and billing. I’m an independent licensed agent with HealthMarkets, not a Molina employee, and I don’t offer every plan in your area.
How Do I Find a Health Insurance Broker Who Handles Molina Plans?
Confirm the broker is licensed through the Florida Department of Financial Services. The best health insurance brokers will tell you which carriers they’re appointed with and whether they check your doctors and prescriptions first. A broker for health insurance should also explain how they’re paid; sales agents may be compensated based on a consumer’s enrollment in an insurance plan. Whether you call me a medical insurance broker or an ACA agent, my Florida license is W323530 and my NPN is 17946070.
Are Cheap Insurance Agencies Really Cheaper Than Working With Me?
My help comes at no extra cost. Plan premiums are generally the same whether you enroll through me or directly with the insurance company, so an agency advertising itself as cheap isn’t saving you anything on the premium. What changes your true yearly cost is the plan itself: the premium, the deductible, copays and coinsurance, your prescription costs under the plan’s drug list, and the out-of-pocket maximum. I estimate all of that for each option before you decide. You may also qualify for financial help on Marketplace plans based on household size and income. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplace. All quotes are estimates until you’re enrolled.
Do You Help Small Businesses That Ask About Molina Group Coverage?
Molina doesn’t sell small business group plans in Florida, so people who search for group health insurance brokers or small business health insurance brokers with Molina in mind usually need one of two things. If you own a business with 50 or fewer employees, I’ll compare group plans from the carriers I represent, as group health insurance agents do, starting on my Small Business Insurance page. If you’re self-employed with no employees, individual coverage is usually the path. Like other health insurance brokers for small business, I handle the health side only, not property or other commercial lines.
When Can I Enroll in or Switch From a Molina Marketplace Plan?
Open Enrollment for 2027 coverage runs from November 1, 2026 through January 15, 2027, with a December 15, 2026 deadline for a January 1 start, according to HealthCare.gov. Outside that window, you may qualify for a Special Enrollment Period after events such as losing coverage, moving, marriage, or a new baby; my Extra Help and Special Situations page has the details.
Should I Work With Local Health Insurance Agents or Licensed Health Insurance Brokers?
The words overlap; what matters is that the person is licensed, independent, and willing to do the work. Local health insurance agents know the South Florida health systems, and the best health insurance agents, like the best insurance agents in any field, put your doctors and prescriptions ahead of a quick sale. When you find a health insurance agent, ask about carrier appointments, network checks, and year-round service. I also help with dental, vision, and life coverage, which you can read about on my Dental, Vision, Life and Supplemental page.
- 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.