Health Insurance Plans in Miami
Del Toro Insurance helps individuals and families across Miami-Dade, Broward, and all of Florida compare coverage options from over 20 top carriers.
Our bilingual agents in Little Havana guide you through Marketplace subsidies, private health plans, and supplemental coverage at no added cost.
Individual and family health insurance plans
Open Enrollment for individual and family health coverage in Florida runs from November 1 to January 15 each year. Enrolling during this official window ensures your coverage takes effect for the upcoming policy year without needing special eligibility.
ACA / Obamacare Marketplace plans
If you missed the regular window, qualifying life events such as moving, losing job-based health coverage, getting married, having a baby, or experiencing a household income shift create a Special Enrollment Period. These qualifying enrollment windows close fast, so contacting our agents immediately after a life change keeps your family covered.
Private medical insurance outside the Marketplace
Private health plans outside the official Marketplace provide flexible coverage options for individuals and families who do not qualify for government subsidies. Our independent brokers compare non-Marketplace medical plans across Florida to find coverage tailored to your preferred doctors and budget.
Compare health insurance quotes by total cost
Marketplace plans offer standardized benefits and financial assistance based on your household income and family size. We check your subsidy eligibility while you are on the phone with us so you know your exact monthly premium before selecting a plan.
Dental coverage
Adding dental insurance protects your routine oral health and reduces out-of-pocket costs for major procedures. We offer standalone dental plans and integrated health policies that include preventive care and specialist coverage for all ages.
Coverage for self-employed and 1099 workers
Self-employed individuals, independent contractors, and 1099 workers in Miami can access affordable medical plans built for variable income structures. We evaluate individual options that combine primary care benefits with catastrophic protection so business owners remain fully covered.
Questions about health plans in Miami
Here are clear answers to common questions about selecting and enrolling in Florida health coverage. Contact our Little Havana team if you have additional questions about your specific situation.
Can I still enroll if Open Enrollment closed?
What is the difference between a Marketplace plan and a private plan?
You can still enroll outside Open Enrollment if you experience a qualifying life event such as losing coverage, moving, marriage, or a change in household income.
Marketplace plans qualify for income-based premium subsidies and cost-sharing reductions, whereas private plans operate outside government exchanges and offer flexible benefit structures.
Can I get a plan if I am self-employed?
Do you speak Spanish?
Yes, self-employed individuals and 1099 contractors can enroll in both Marketplace plans with subsidies and private off-Marketplace policies.
Yes, our licensed agents fluently assist clients in English, Spanish, and Portuguese.
LANGUAGES:
English
Spanish - Se habla español
Portuguese - Falamos português
CONTACT DEL TORO INSURANCE:
1412 W Flagler St, Ste D
Miami, FL 33135.
OFFICE HOURS:
In-Person:
Monday–Friday: 9:00 AM–5:00 PM
Saturday: 9:00 AM–1:00 PM
Sunday: Closed*
Phone Support: Mon-Sat until 7:00 PM.
Online Quotes & Requests: 24/7
*Check our Google Maps listing for occasional Sunday openings.