Bridge coverage that can start as soon as tomorrow — for the gap between jobs, plans, or enrollment periods.
Not a government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Florida leads the nation in ACA marketplace enrollment — roughly 4.2 million residents selected a plan in the most recent Open Enrollment, and about 95% of them qualified for a premium tax credit. After those subsidies, a large share of Floridians pay a small fraction of the sticker price, and many pay nothing at all for a Silver plan.
Short-term medical plans are designed to cover a temporary gap: you're between jobs, waiting for a new employer plan to begin, missed Open Enrollment, or aging off a parent's policy mid-year. They can typically be issued in a day and cost far less than COBRA or an unsubsidized marketplace plan.
The trade-off matters, and we'll always say it plainly: short-term plans are not ACA-compliant. They do not have to cover pre-existing conditions, and they usually exclude maternity and some prescriptions. They are not minimum essential coverage. For a healthy person who needs 60–90 days of protection against a major accident or hospitalization, they can be a smart, cheap bridge. For someone managing an ongoing condition, an ACA plan is almost always the better call — and if you qualify for a Special Enrollment Period, you may not need a short-term plan at all.
How long a short-term plan can last, and whether it can be sold at all, is decided state by state. Federal rules set an outside limit, though federal enforcement of that limit has been suspended since August 2025 pending new rulemaking, and several states set their own shorter caps or bar these plans entirely. A Florida-licensed agent will tell you what is actually sold here, for how long, and whether a marketplace plan through a Special Enrollment Period would serve you better.
Florida does not run its own exchange — marketplace plans here are sold through the federal marketplace, HealthCare.gov. In practice that means the enrollment windows, the eligibility rules and the appeals process are the federal ones, and the plan you buy through a licensed agent is the identical plan at the identical price you would find on HealthCare.gov yourself. Florida uses the federal marketplace, HealthCare.gov.
Florida has not expanded Medicaid, so for most adults here a short-term plan is really being compared against a subsidized marketplace plan rather than against Medicaid. If your coverage gap came from a qualifying life event, a Special Enrollment Period may be open to you now — and because credits start at 100% of the federal poverty level, an ACA plan can be closer in price than you'd expect while still covering the pre-existing conditions a short-term plan excludes. Florida has not expanded Medicaid, so the marketplace and its premium tax credits are the primary path to affordable coverage for most working-age Floridians — and the subsidies are more generous than many expect.
The carriers writing individual business in Florida include Florida Blue (BCBS of Florida), Ambetter from Sunshine Health, UnitedHealthcare, Aetna CVS Health, Cigna and others. Networks and pricing are set county by county rather than statewide, so the same carrier can be the best value in one metro and the wrong choice an hour away. We quote Miami, Tampa, Orlando and Jacksonville — and every county in between.
Don't see yours? Call a licensed agent — most answers take under two minutes.
Yes. We help Florida residents compare short-term medical options against the alternatives so you can see the real trade-offs before you enroll.
For most Floridians the cheapest genuine coverage is a subsidized ACA marketplace plan. With about 95% of Florida enrollees receiving a premium tax credit, many qualify for a Silver plan at little or no monthly cost after the subsidy, while others pay full price. If your income falls in the cost-sharing-reduction range, a Silver plan also lowers your deductible — often making it a better deal than a cheaper-looking Bronze plan.
Through HealthCare.gov, the federal marketplace — Florida does not run its own exchange. You can enroll in those same plans through a licensed agent at no extra cost, which also lets you see private off-marketplace plans that HealthCare.gov does not list.
The carriers writing individual business in Florida include Florida Blue (BCBS of Florida), Ambetter from Sunshine Health, UnitedHealthcare, Aetna CVS Health, Cigna and others. Which of them is actually competitive depends on your county rather than the state — the lineup and the networks in Miami are not the lineup in Jacksonville. We are independent and compare across all of them rather than steering you to one company.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.