Saturday: 10:00 a.m. – 4:00 p.m.
Sunday: 10:00 a.m. – 3:00 p.m.
Medicare & health insurance
Medicare help in Florida from a licensed independent agent.
I’m licensed in Florida and help you compare Medicare Advantage, Medicare Supplement and Part D plans, plus Marketplace, life and long-term care coverage. My help is free.
Or call (904) 612-3757 to schedule.
5.0 from 63 Google reviewsAnkur Mehta is a licensed, independent insurance agent. Not affiliated with or endorsed by the U.S. government or the federal Medicare program.
Medicare in Florida
What’s different about Medicare in Florida.
For most people 65 and older, Medicare and Medicare Supplement rules work the same way in every state. What differs is the plans offered in your county, help paying Medicare costs and Medicare Supplement rules for people under 65. Here’s what Florida residents should know.
Medicare Supplement under 65Disability or ESRD
In Florida, if you’re under 65 and have Medicare because of a disability or End-Stage Renal Disease (ESRD), you have a 6-month open enrollment period to buy a Medicare Supplement after you enroll in Part B. Premiums are usually higher before 65, and you get another open enrollment period when you turn 65. Florida also gives you an extra guaranteed-issue window for a short time after employer group coverage ends.
Help paying Medicare costsMedicare Savings Programs and Medicaid
Florida’s Medicare Savings Programs, sometimes called the Medicare Buy-In, can help pay your Part B premium and, for some people, other Medicare costs. You apply through the Florida Department of Children and Families.
Plans in your countyMedicare Advantage and Part D
Medicare Advantage and Part D plans are approved county by county, so what’s available in one part of Florida can differ from another. I compare the plans in your ZIP code against your doctors, prescriptions and pharmacy.
Free state counselingSHIP
SHINE (Serving Health Insurance Needs of Elders) offers free, unbiased Medicare counseling. Call 1-800-963-5337 or visit floridashine.org.
Under 65
Individual and family health insurance in Florida.
Full Florida Marketplace guide →
Where to enrollOfficial Marketplace
Florida residents use HealthCare.gov, the federal Marketplace. Income-based tax credits are only available through the Marketplace, and I can help you compare plans and enroll there.
2027 Open EnrollmentStarts November 1, 2026
Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage starting January 1.
MedicaidNot expanded
Florida has not expanded Medicaid under the ACA, so many adults under 65 with low incomes don’t qualify for Medicaid. If your income is between 100% and 400% of the federal poverty level, you may qualify for Marketplace tax credits instead.
Planning ahead
Long-term care in Florida.
Long-Term Care PartnershipFlorida participates
Florida has a Long-Term Care Partnership program. A qualifying Partnership policy can protect some of your assets if you later need to apply for Medicaid to pay for long-term care.
Where I help
Serving clients throughout Florida.
I’m based in Maitland, near Orlando, and help clients in every part of Florida. Live nearby? See my Orlando & Central Florida page. I help clients throughout Florida, including:
Orlando
In-person, phone and video appointments for Medicare, Marketplace, life and long-term care coverage in the Orlando area.
Tampa
Phone and video appointments for Medicare, Marketplace, life and long-term care coverage in the Tampa area.
Miami
Phone and video appointments for Medicare, Marketplace, life and long-term care coverage in the Miami area.
Jacksonville
Phone and video appointments for Medicare, Marketplace, life and long-term care coverage in the Jacksonville area.
Questions
Common questions from Florida clients.
Do you charge for your help in Florida?
No. My help is free. I’m paid by the insurance company you choose, and your premium is the same whether you enroll with me or on your own.
Can you help me if I just moved to Florida?
Yes. Moving to a new state usually gives you a Special Enrollment Period to change your Medicare Advantage or Part D plan, and it’s a good time to review your Medicare Supplement too. Call me soon after your move so you don’t miss the window.
Do we have to meet in person?
No. Most clients meet with me by phone or video. I can also meet in person in Central Florida.
Is there a Medicare Supplement “birthday rule” in Florida?
No. Florida doesn’t have a birthday or anniversary rule for Medicare Supplement plans, so outside your open enrollment period or a guaranteed-issue situation, you may have to answer health questions to change plans. I’ll check your options before you drop any coverage.
Free consultation
Let’s make Medicare simple in Florida.
You don’t have to figure everything out on your own.
Whether you’re turning 65, reviewing your current plan, retiring or helping a family member, let’s talk through your situation and the options available to you.
Free consultation. No obligation. No pressure.