Chaperone Health Insurance Plus
UnitedHealthcare Agent Near You in Fort Lauderdale, Florida
UnitedHealthcare Florida coverage for people under 65 includes Individual & Family plans sold on and off the Marketplace, plus group health plans for small businesses, and all three are available in Broward, Miami-Dade, and Palm Beach counties. I’m Roxroy Ashley, an independent licensed health insurance agent with HealthMarkets Insurance Agency, based in Fort Lauderdale. I’m not a UnitedHealthcare employee, so like other independent health insurance agents I can compare UnitedHealthcare’s 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’ll need to pick a plan by December 15, 2026 for coverage that starts January 1. 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. If you want an insurance agent near you who reads the plan documents, that’s me.
I’LL EVEN CALL YOUR DOCTOR
Get a Free Quote From Independent Health Insurance Brokers Who Check UnitedHealthcare Plans for You
Before I recommend anything, I check:
- Your doctors and hospitals against UnitedHealthcare’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 UnitedHealthcare 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:
UnitedHealthcare ACA Marketplace, Off-Marketplace and Small Business Group Plans for 2027
Here’s how UnitedHealthcare’s 2027 lineup in Broward, Miami-Dade, and Palm Beach counties is organized, based on plan information UnitedHealthcare published in 2026, which it notes is pending regulatory approval and subject to change. Plans vary by county and ZIP code, so I’ll confirm what’s available at your address.
ACA Marketplace plans. UnitedHealthcare individual plans sold through HealthCare.gov are UnitedHealthcare Individual & Family plans, offered in 29 states for 2027 with an expanded Florida service area, according to UnitedHealthcare’s 2027 Individual Exchange plan information, and grouped by metal level, bronze through platinum. New for 2027 in our three counties, UnitedHealthcare is adding plans built around Sanitas Medical Center, where each member is assigned a Sanitas primary care provider who coordinates care in person and virtually, with walk-in visits and same-day appointments, according to UnitedHealthcare’s August 2026 announcement. When you apply through the Marketplace, you may qualify for financial help based on household income and size.
Off-Marketplace plans. UnitedHealthcare also issues its Florida Individual & Family plans off the Exchange, which its 2027 Florida guide marks with a separate off-Exchange plan code; it’s the same type of ACA-compliant coverage, bought directly from the carrier. Private health insurance agents like me can enroll you either way, but off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplace, so we’ll run the Marketplace numbers first.
Small Business Group plans. UnitedHealthcare group plans in Florida come through three companies on the Florida Department of Financial Services’ 2026 Small Group Market Carrier List: UnitedHealthcare Insurance Company, UnitedHealthcare of Florida, Inc., and Neighborhood Health Partnership, Inc., the local South Florida HMO. For businesses with 2 to 50 full-time equivalent employees, UnitedHealthcare’s Florida small business materials list PCP-led NHP HMO and POS plans and open-access Choice EPO and Choice Plus POS plans. UnitedHealthcare Level Funded, formerly All Savers Alternate Funding, is also offered to Florida employers and pairs a fixed monthly payment with stop-loss protection, according to UnitedHealthcare’s Level Funded materials. As one of the group health insurance brokers and small business health insurance brokers in Fort Lauderdale who handles both sides, I can also weigh a group plan against individual coverage for a very small team; my small business page goes deeper.
UnitedHealthcare Individual and Small Business Coverage in South Florida
UnitedHealthcare is one of two businesses within UnitedHealth Group, alongside Optum, and its individual, family, and employer plans sit within UnitedHealthcare Employer & Individual, according to UnitedHealth Group’s company description. Its South Florida small group HMO plans run on the Neighborhood Health Partnership network, a Miami-based HMO UnitedHealth Group agreed to acquire in 2005, while its 2027 Individual & Family plans use a separate network and, in our three counties, the new Sanitas option. So “UnitedHealthcare” on an ID card can mean different networks depending on the plan, and I check the specific network before I say your doctor is covered. UnitedHealthcare Florida also sells Medicare plans, which I cover separately on my Medicare page; this page is about coverage for people under 65 and small businesses.
Is Working With Me Right for You?
Working with me can be a good fit if you’re considering a UnitedHealthcare individual or family plan for 2027, already have one and want it checked against the new Sanitas option, lost employer coverage and need a plan quickly, or own a business with 50 or fewer employees and want a UnitedHealthcare group plan next to your other options. Because I handle both individual and group coverage, you don’t need a second agent for your business. My help comes at no extra cost, and there’s no obligation to enroll.
We can meet by phone, on Zoom, at my office in Fort Lauderdale, or at your home anywhere in Broward, Miami-Dade, and Palm Beach counties.
Frequently Asked Questions About UnitedHealthcare Health Plans
What Do Agents for Health Insurance Do for UnitedHealthcare Members?
Health agents aren’t the insurance company. UnitedHealthcare offers the plans; a broker for health insurance is a separate, licensed intermediary. As an independent licensed agent with HealthMarkets Insurance Agency, I check your doctors, hospitals, and prescriptions against UnitedHealthcare’s plans and other carriers’ plans, estimate your full-year cost, confirm whether you may qualify for financial help, and handle the application with you. After you enroll, I review your coverage every year and help with claims and billing, which is what local health insurance agents are for. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan, and I’m happy to explain how.
How Do I Choose Among the Best Health Insurance Brokers in South Florida?
Confirm the agent is licensed through the Florida Department of Financial Services; my Florida license number is W323530 and my NPN is 17946070. To find a health insurance broker who will serve you well, ask which carriers they work with, whether they’re licensed health insurance brokers registered with the Marketplace, whether they check your doctors and prescriptions first, and whether they’ll review your coverage every year. The best health insurance agents answer without hesitating.
Is a Cheap Insurance Agency the Same as a Cheap Plan?
No. My help comes at no extra cost: plan premiums are generally the same whether you enroll through me or directly with UnitedHealthcare, so a “cheap” agency has nothing to undercut. What drives your yearly cost is the plan itself: the premium, the deductible, copays and coinsurance, your prescription costs on the plan’s drug list, and the out-of-pocket maximum that caps your spending for the year. The lowest premium can cost the most by December if you use care. For Marketplace plans, you may qualify for financial help that lowers your premium and, on some silver plans, your deductible and copays. I’ll show you the full-year estimate for each option.
What Do UnitedHealthcare Individual and Family Insurance Reviews Say?
Reviews of UnitedHealthcare individual and family insurance, like reviews of any large national carrier, are mixed, and they usually reflect one person’s experience with a claim, a referral, or customer service. That’s context, not a prediction. A better test is whether your doctors are in the plan’s network, whether your prescriptions are on its drug list at a tier you can afford, and whether a PCP-led plan with referrals fits how you use care. I’ll run those checks for UnitedHealthcare and the other carriers I represent, and if your current plan still fits, I’ll tell you to keep it.
Can Group Health Insurance Agents Set Up a UnitedHealthcare Plan for My Small Business?
Yes. As one of the small business health insurance agents and health insurance brokers for small business in Fort Lauderdale, I quote UnitedHealthcare group plans for Florida businesses with 2 to 50 full-time equivalent employees, including Neighborhood Health Partnership, Choice, Choice Plus, and Level Funded options, and compare them with other carriers’ group plans. If you’re searching for small business insurance brokers, note that I handle health, dental, vision, and life coverage, not property or liability insurance.
Do Medical Health Insurance Agents Handle Off-Marketplace UnitedHealthcare Plans?
Yes. As a medical insurance broker, I can enroll you in UnitedHealthcare’s off-Marketplace Individual & Family plans directly, and independent medical insurance agents like me compare them with the Marketplace versions. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplace, so I check whether you may qualify for financial help first; private health insurance brokers who skip that step can cost you money. For dental or vision coverage alongside a health plan, see my Dental, Vision, Life & Supplemental page.
When Can I Enroll in a UnitedHealthcare Individual or Family Plan?
Open Enrollment for 2027 Marketplace coverage runs from November 1, 2026 through January 15, 2027, and you must choose a plan by December 15, 2026 for coverage that starts January 1. Outside that window, you may qualify for a Special Enrollment Period after a life event such as losing employer coverage, moving, or having a baby; my Extra Help and Special Situations page explains how those work. Small business group plans can generally start any month, subject to the carrier’s rules.
- 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.