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Orca Insurance Group · Winter Park · Serving all of Florida

Obamacare plans for 2027: check your options with a licensed local agent.

Your income. Your doctors. Your budget. We'll help you find the Marketplace plan that fits all three and check what premium help you qualify for.

Pick a time for your no-cost review

Not ready to pick a time? Have an agent call you →

About 30 minutes · Phone, video, or in our Winter Park office · No cost, no obligation

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Open Enrollment dates for 2027 coverage

November 1, 2026

Open Enrollment for 2027 opens on HealthCare.gov, which Florida uses.

December 15, 2026

Choose a plan by this date for coverage that starts January 1.

January 15, 2027

Last day to enroll. Plans chosen December 16 to January 15 start February 1.

Pick a time that works for you

Choose a day and time for your no-cost ACA plan review. You'll get a confirmation by email right away, with a short consent form to e-sign. All times are Eastern Time (Orlando).

Phone, video, or in our Winter Park office. About 30 minutes with a licensed health insurance agent.

Open the booking calendar

What's different for 2027

If your renewal notice came in higher than last year, you're not imagining it. The extra premium help Congress added in recent years ended after 2025 and was not renewed. For 2027, the standard rules are back.

• Help paying premiums is still available, based on your expected 2027 household income and household size.
• Some households will get less help than before, and households above 400% of the federal poverty level generally do not qualify.
• Plans and prices change every year, so the plan you have may no longer be your best fit, even if it renews automatically.

That's what a review is for. We estimate your premium help, check your doctors and prescriptions, and compare your options side by side.

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Who we help

Most of the people we help with Marketplace coverage are in one of these situations.

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Self-employed or freelance

No employer plan, and income that changes month to month. We'll help you estimate it the right way.

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Retired before 65

Bridge the years until Medicare with a plan that fits your doctors and your budget.

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Losing job coverage

Losing employer coverage usually opens a 60-day window to enroll, even outside Open Enrollment.

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New to Florida

Plans are tied to where you live. A move can open a 60-day window to get covered here.

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Turning 26

Coming off a parent's plan? You can usually enroll within 60 days of losing that coverage.

Turning 65 soon? See our Medicare plan review. We'll make the handoff simple.

How it works

1

Pick a time

Choose a phone call, a video call, or a visit to our Winter Park office, at a time that suits you.

2

E-sign a short consent form

Federal Marketplace rules require your written consent before an agent can look up or submit an application for you. We email it to you, and it takes about two minutes.

3

Review and enroll

We estimate your premium help, check your doctors, and compare plans side by side. You confirm every detail before we submit anything.

Pick a time for your no-cost review
Front of Orca Insurance Group building with logo, palm trees, and service panels listing health, life, auto, home insurance.

Health insurance help from a neighbor, not a call center.

Our licensed health insurance agents walk you through your Marketplace options in plain English. We estimate your premium help, check that your doctors are in network, and compare premiums, deductibles, and out-of-pocket costs side by side. Then we help you enroll.

✓ Licensed Florida insurance agents
✓ Local office: 2335 Temple Trail, Ste 5, Winter Park
✓ Rated 4.9 out of 5 on Google

Rather have an agent call you?

Leave your name and number and a licensed health insurance agent will call you at a time that suits you.

Request a call

Or call us now: 407-672-2467

Obamacare questions we hear most

When is Open Enrollment for 2027 coverage?

Open Enrollment runs November 1, 2026 through January 15, 2027 on HealthCare.gov, which Florida uses. Choose a plan by December 15 and coverage starts January 1. Choose between December 16 and January 15 and it starts February 1.

Why did my premium go up for 2027?

The extra premium help Congress added in recent years ended after 2025 and was not renewed, so the standard rules are back. Some households will get less help than before. Plans and prices also change every year, which is why it pays to review your options instead of letting your plan renew automatically.

Do I qualify for help paying my premium?

It depends on your expected 2027 household income, your household size, and whether you can get affordable coverage through a job. Households above 400% of the federal poverty level generally do not qualify. We estimate your help during the review.

What if I miss Open Enrollment?

Certain life events open a Special Enrollment Period, usually 60 days. Common ones include losing job-based coverage, moving to a new area, getting married, or having a baby. Call us and we'll tell you whether you qualify.

I just moved to Florida. Can I enroll now?

Often, yes. A move to a new coverage area can open a 60-day window. In most cases you need to have had qualifying health coverage before the move. Plans are tied to where you live, so the plan from your old state may not work here.

Does it cost anything to work with Orca?

No. The review is free and there's no obligation. Marketplace premiums are the same whether you enroll with a licensed agent or on your own.

Why do I need to sign a consent form?

Federal Marketplace rules require your written consent before an agent can look up, start, or change an application for you. You also confirm that your application is accurate before it's submitted. The form takes about two minutes to e-sign.

What should I have ready for my review?

A rough estimate of your household's 2027 income, the names and birthdates of everyone who needs coverage, and a list of your doctors and prescriptions. We ask for Social Security numbers on the call, never by email. If you have a plan now, keep your member card or renewal notice nearby.

Open Enrollment runs November 1 to January 15.

Choose a plan by December 15 for coverage that starts January 1. Not sure where you stand? A no-cost review with a licensed local agent will tell you.

Pick a time for your no-cost review

Prefer the phone? Call 407-672-2467