Private health insurance in Florida is a plan you choose and apply for yourself, directly with a carrier. Prime Health Consultants is an independent insurance agency in Sunrise, and our licensed advisors explain these plans in plain language. This guide covers what they are, who they can fit, and what to compare.
On this page, a private plan means a medically underwritten plan you apply for directly with a carrier. You pick the plan, you pay the premium, and the plan belongs to you, not to an employer.
Many people look at private plans when they are self-employed, between jobs, or when the plan at work does not fit their family. Our plans are for people under 65. We do not offer Medicare.
Private plans are medically underwritten. That means the carrier asks health questions on the application and looks at your health history before it decides. It may approve you, decline you, or approve you with certain conditions excluded.
Because of this, private plans tend to fit people who are in reasonably good health. They are not for everyone. If you or someone in your family has an ongoing health condition, tell your advisor early so you can talk through other options before you apply.
Answer every question truthfully and completely. Leaving something out can cause problems with a claim later. These plans can differ from open enrollment plans and may not cover every benefit. Ask what each plan covers and what it excludes.
You do not have to wait for open enrollment to apply for a private plan. You can apply any time of year, and the carrier decides whether to approve your application.
That helps if you lose job coverage in the middle of the year, begin freelance work, or simply want a different plan. The date a plan begins varies by carrier and plan, so ask your advisor which date applies to you. If you are leaving other coverage, line up the dates so you are not left without a plan.
A private plan can fit healthy individuals who want to choose their own doctors and plan details. It can also fit families, when everyone applying is in reasonably good health.
Self-employed people and 1099 workers often look at private plans because they have no employer plan to join. Freelancers, contractors, and gig workers can all apply.
If someone in your household has a serious health condition, a medically underwritten plan may decline that person or limit what is covered. Your advisor will talk it through with you.
Two plans can look alike on the surface and differ a lot underneath. Compare the deductible, which is what you pay before the plan begins to share costs. Compare the copays, which are fixed amounts for visits and prescriptions, and the out-of-pocket limit, which is the most you could pay for covered care in a plan year.
Check the doctor network and make sure your doctors and hospitals are in it. Ask about prescriptions too: whether your medications are covered and how they are priced. Some plans have networks that also work outside Florida, which matters if you travel or have family in other states.
Put the answers side by side. A plan with a smaller monthly payment may ask more of you when you actually use care.
A licensed advisor explains the terms, compares plans with you, and helps you fill out the application. Talking with an advisor costs nothing, and one licensed advisor works with you from beginning to end.
We work in English and Spanish, by phone, WhatsApp or video, or at our office in Sunrise. We never sell your information, and you decide with no pressure.
Tell us about your household. Share who needs coverage, their ages, and the doctors and medications that matter to you.
Compare your options. A licensed advisor walks you through plans, terms, and what the carrier may ask on the application.
Decide at your own pace. You choose whether to apply. There is no pressure, and talking with us costs nothing.
Prime Health Consultants
1550 Sawgrass Corporate Pkwy, 3rd Floor, Sunrise, FL 33323Phone: (305) 333-1434 · WhatsApp: (786) 675-7004
Hours: Mon–Fri 9 AM–9 PM · Sat 9 AM–8 PM · Sun 9 AM–5 PM
Get directionsAreas we serve: All of Florida, by phone, WhatsApp or video, and in person at our Sunrise office. Our licensed agent Julio Fernandez is licensed in 30 states.
On this page, a private plan means a medically underwritten plan you apply for directly with a carrier. Our plans are for people under 65. Details such as the deductible, copays, and network vary by plan.
Yes. Private plans do not make you wait for open enrollment. The carrier still decides whether to approve your application, and the date the plan begins varies, so ask your advisor.
Yes. Private plans are medically underwritten, so the carrier looks at your health history. It may approve you, decline you, or exclude certain conditions. That is why these plans tend to fit people in reasonably good health.
It depends on the condition and on the carrier's decision. A medically underwritten plan may decline you or exclude that condition, so it is not right for everyone. Tell your advisor up front and we will talk through your options.
Compare the deductible, copays, out-of-pocket limit, doctor network, and prescription coverage side by side. Do not look only at the monthly payment, since it is only one part of what you may pay.
Some plans have networks that also work outside Florida. Others do not. Ask about the network area before you choose, especially if you travel or have family in other states.
No. Talking with a licensed advisor costs nothing, and you decide with no pressure. We work in English and Spanish.
No. We work with plans for people under 65 and we do not offer Medicare. For Medicare questions, contact Medicare at 1-800-633-4227 or Florida SHINE at 1-800-963-5337.