ObamaCare · Life · Auto · Property
Florida health insurance, made clear — in English or Spanish.
Arte Insurance is a licensed Florida agency. We walk you through Marketplace (ObamaCare) plans, check whether you qualify for financial help, and take care of the enrollment — and your premium is the same as if you enrolled on your own.
- FL agency license L116417
- Hablamos español
- No fee for Marketplace help
How it works
Three simple steps to the right plan
No jargon and no pressure. You make the decision; we do the legwork.
Tell us about your household
Fill out a two-minute form or call us. We ask about your household size, estimated income, ZIP code, and the doctors and medicines that matter to you.
We compare your options
We check whether you qualify for premium tax credits and compare plans from the insurers we work with — premiums, deductibles, networks and drug coverage — in plain language.
We enroll you and stay with you
With your consent, we submit your application, help with any document requests, and remain your contact all year for changes, renewals and questions.
What's new for 2027
Four changes Floridians should know before enrolling
Federal rules for Marketplace coverage changed for 2027. Here's what that means for your family, in plain words.
The extra subsidies ended
The larger, temporary premium tax credits expired at the end of 2025. For 2027, financial help is generally available when household income is between 100% and 400% of the federal poverty level — roughly $15,960 to $63,840 for one person, or $33,000 to $132,000 for a family of four.
Immigration-status rules changed
Starting January 1, 2027, premium tax credits are limited to U.S. citizens, green-card holders, Cuban and Haitian entrants, and certain Compact of Free Association migrants. Many other lawfully present immigrants, including TPS holders, can still buy a plan but without financial help.
Some insurers are leaving Florida
Cigna is leaving Florida's Marketplace for 2027, and other insurers are changing their plans. If your current insurer is leaving, pick a new plan by December 15 to avoid a gap in coverage.
Don't rely on automatic renewal
If the Marketplace can't verify your information, you could be renewed without financial help on January 1. Review and update your application during Open Enrollment.
Updated October 12, 2026. Rules can change; we confirm the latest details with you before you enroll. Sources: HealthCare.gov, CMS, IRS Rev. Proc. 2026-26. Read our full 2027 ObamaCare guide →
What we offer
Coverage for your health, your family, your car and your home
ObamaCare (ACA)
Marketplace health plans for individuals and families, with help applying for premium tax credits and lower out-of-pocket costs.
Explore 2027 plansLife insurance
Term and permanent life insurance to protect the people who depend on you — explained clearly, without pressure.
Learn moreAuto insurance
Florida auto coverage, from the required personal injury protection and property damage liability to fuller protection for your car.
Learn moreProperty insurance
Homeowners, condo and renters coverage — plus help understanding hurricane deductibles and flood insurance options.
Learn moreWhy families choose Arte
Licensed, local and on your side
- Licensed and easy to verify. Arte Insurance Corp holds Florida agency license L116417. You can confirm it on the Florida Department of Financial Services website.
- Help in your language. We work with families in Spanish and English, so nothing gets lost in translation.
- No fee for Marketplace help. Marketplace premiums are the same with or without an agent. Insurers pay agents — you don't pay us for help with your application.
- Here all year, not just in November. Income change, new baby, a letter from the Marketplace? We help after you enroll, too.
- Straight answers. We're a private agency, not the government. You can always apply directly at HealthCare.gov — we're here if you'd rather have a licensed professional by your side.
Our licenses
- Agency
- Arte Insurance Corp
- FL agency license
- L116417
- Agency NPN
- 20226442
- Licensed agent
- Awadrey A. Delgado
- FL agent license
- W722586 · NPN 19813873
Questions
Answers before you enroll
When can I sign up for 2027 health coverage in Florida?
Open Enrollment for HealthCare.gov plans runs from November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1; if you enroll between December 16 and January 15, coverage starts February 1. Outside those dates you generally need a qualifying life event — such as losing other coverage, moving, getting married or having a baby — to enroll.
Does it cost more to use an insurance agent?
No. Marketplace premiums are the same whether you enroll on your own or with a licensed agent. Insurance companies compensate agents, and Arte Insurance does not charge you a fee for help with your Marketplace application.
Will I qualify for financial help in 2027?
It depends mainly on your expected 2027 household income, your household size, and whether you can get affordable job-based coverage, Medicaid or Medicare. Under current federal law, premium tax credits are generally available when household income is between 100% and 400% of the federal poverty level, and starting in 2027 immigration status also affects eligibility. We estimate your savings before you choose a plan.
What information should I have ready?
Names and dates of birth for everyone in your household, Social Security numbers or immigration document numbers for the people applying, your best estimate of 2027 income, details of any current coverage, and a list of your doctors and prescriptions.
Can I get help in Spanish?
Yes. Our team works with families in Spanish and English. You can use the Spanish version of this website or call us and ask for help in Spanish.
Is Arte Insurance part of HealthCare.gov or the government?
No. Arte Insurance Corp is a private insurance agency licensed in Florida. We explain your options and help you enroll in plans offered by the insurers we work with. You can always apply directly at HealthCare.gov or by calling 1-800-318-2596.
Ready for 2027? Let's find your plan.
Get a free, no-obligation quote in about two minutes, or call us and talk it through with a licensed agent.