Licensed Sales AgencyNeed health coverage? You may qualify.
Your local Florida Blue agent team
Licensed · Independent · Florida-based
Need health coverage?
You may qualify.
A job change, a new baby, a move, or marriage may create a limited Special Enrollment window — often 60 days — to get new Florida Blue coverage. A licensed agent can check your situation in minutes.
Your local Florida Blue agent team
Licensed · Independent · Florida-based
Heads up: Many Special Enrollment windows are time-limited. A licensed agent can check your situation and explain your options — no pressure, no commitment.
Prefer to talk now?
A licensed agent is standing by
Call us directly and a licensed agent will confirm your eligibility, explain your new plan options, and help you enroll — all in one call. No pressure, no commitments.
954-526-4202Mon–Fri 9am–6pm ET · Licensed Florida Blue agents
Request a free callback
A licensed agent will call you back — usually within 15 minutes.
New Coverage & SEP Help Only
Not billing, claims, or existing member service
Florida Blue Coverage
Florida-based agents, Florida-focused plans
Many Floridians Qualify
Tax credits may reduce or eliminate your premium
Authorized Florida Blue Agency
Independent licensed sales agency — not Florida Blue directly
Do any of these describe you?
Life changes that qualify you for coverage right now
Outside Open Enrollment, many people need a qualifying life event to enroll in ACA coverage. If one of these happened to you recently, you may be eligible today.
Moved to FloridaJust moved to Florida or a new ZIP?
Moving to a new state or county where different plans are available may qualify you for a Special Enrollment Period — even mid-year.
Got marriedRecently married or had a household change?
Marriage and household changes may qualify you to enroll in or update your coverage. Call us to confirm your window.
New babyHad a baby or adopted a child?
The birth, adoption, or foster placement of a child opens an enrollment window — and your newborn can typically be covered right away.
Lost coverageLost your job or employer coverage?
If your job-based coverage ended or is ending, you may have a limited window to enroll in new coverage. Call us to confirm your situation.
Other qualifying events: turning 26 and losing coverage through a parent, income changes affecting eligibility, gaining citizenship or lawful presence, changes due to divorce or death in household. Call us to confirm your event.
Simple process
Getting covered is easier than you think
Our licensed agents handle everything. Most people are enrolled in under 20 minutes.
Call or request a callback
Reach a licensed Florida Blue agent in minutes. No hold music, no robots — a real person who knows Florida Blue plans inside and out.
We confirm your eligibility
We check your qualifying life event, your household size, and your zip code to find every plan and subsidy you qualify for.
Pick the right Florida Blue plan
We walk you through your options — premiums, deductibles, network, and extras like dental and vision — with no pressure.
Get covered, same day
We submit your enrollment directly. In most cases, coverage can start as soon as the first of next month.
Ready to check your options?
A licensed agent will confirm your eligibility and walk you through your Florida Blue coverage options — no pressure.
Apple Insurance, a division of PCF Insurance Services of the West, is a licensed independent insurance agency specializing in Florida Blue Marketplace health plans. We help Florida residents understand their coverage options and enroll in the right plan — at no cost to you.
Common questions
Answers before you call
What is the difference between private health insurance and Marketplace plans?
Private health insurance plans and Marketplace plans are both ACA-compliant medical insurance, meaning they follow Affordable Care Act rules and include the same essential health benefits, such as hospital care and prescription drugs. The difference is where you buy them and how you can pay for them. Private health insurance, also called off-market or off-exchange, is purchased directly from the carrier and is not eligible for a subsidy. Marketplace plans, sometimes called Obamacare plans, are purchased through the Health Insurance Marketplace, where you can apply a premium tax credit if you qualify, or waive it and pay the full premium.
Why can't I get a health insurance quote online?
A health insurance quote depends on details specific to you: your age, ZIP code, household size, tobacco use, and for Marketplace plans, your estimated household income for the year. Without those, any number on a screen is a placeholder rather than your actual rate. When you call, a licensed agent asks the questions needed to quote accurately and shows you the Florida health insurance plans available in your county.
Does working with a licensed agent cost me anything extra?
Working with a licensed health insurance agent costs you nothing extra. Plan premiums are set by the carrier and filed with the state, so you pay the same rate whether you enroll through a licensed agent, directly with the carrier, or on the Marketplace. Agents are compensated by the carrier, not by you. What an agent adds is time: asking the right questions about your doctors, prescriptions, and budget so you can compare plans against what you actually need.