Review your 2027 coverage before it renews on its own
Marketplace subsidies changed this year. We explain what it means for your family and find your best option among 40+ carriers, in English and Spanish.
Mark your calendar
Medicare Annual Enrollment. Change your Advantage or drug plan for 2027.
Deadline for coverage starting January 1, 2027. Enrollment opens November 1.
Enroll between December 16 and January 15 and coverage starts February 1.
Dates for Florida and most states that use HealthCare.gov. Some states with their own marketplace close later; ask us.
Four changes, in plain English
The income limit is back
The extra help available through 2025 has ended. If your household earns more than 4 times the poverty line (about $63,840 a year for one person or $132,000 for a family of four), you no longer get a subsidy.
Fewer groups qualify for subsidies
In 2027, subsidies remain for permanent residents (green card), Cuban/Haitian Entrants and COFA migrants. With another lawful status you can still buy a plan, but you would pay the full premium. We help you compare options.
Estimating your income matters more
There is no longer a cap on what you repay at tax time if your actual income was higher than reported. Getting it right up front avoids surprises.
Do nothing and it renews automatically
Your plan may auto-renew at a different price or with less help. Many families only find out with the first January bill.
Every case is different. An agent reviews yours with you before you decide.
Already a client? Review your policy before it renews on its own
We confirm whether your plan, premium or subsidy changes in 2027, and whether there's a better option for your family.
Tell us the basics and we come prepared
Three short steps. With this information your agent prepares a quote before calling you.
- We never ask for documents, Social Security or bank details.
- We only use this information to contact you about your request.
- We reply on the channel you prefer.
Thank you! We received your pre-qualification
An agent will contact you soon with options. If you'd like to talk now, message us on WhatsApp.
Chat on WhatsAppPick your situation and message us
What else we review for you
Taxes and Form 1095-A
If you had a Marketplace plan in 2026, Form 1095-A is used to reconcile your subsidy at tax time. With no repayment cap, it pays to get it right.
Prepare my taxesDental and vision
Separate low-cost plans for checkups, cleanings and glasses. They can be added to your health plan.
Quote dental and visionLife and final expense
If your premium rises or you lose your subsidy, life insurance protects your family from debt and large expenses.
Quote life insuranceWe help you when it suits you
| Monday to Friday | 9:00 am – 8:00 pm |
| Saturday | 11:00 am – 4:00 pm |
| Sunday | Closed |
Offices in Hialeah and Kissimmee. We serve all 33 states by phone and WhatsApp.
Book an appointment
Pick a day and time of day. We'll confirm the exact time on WhatsApp.
What people ask us most
What happens if I do nothing?
If you already have a Marketplace plan, it usually renews automatically. The price, doctor network or the help you get may change. Reviewing it takes one call.
How long can I enroll?
Until December 15 for coverage on January 1, and until January 15 to start February 1. For Medicare, October 15 to December 7.
Will you ask for documents?
Not on this form. When you enroll, the Marketplace may ask you to verify income or status, and your agent explains what to send and how.
Do you work in my state?
We serve 33 states by phone and WhatsApp. Pick your state in the pre-qualifier and we'll confirm available carriers.
Are you the government?
No. We are a private agency with licensed agents. We are not affiliated with HealthCare.gov, Medicare or any government agency.
Are you an agent? Add capacity for OE 2027
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Unlimited Insurance & Financial Services LLC is not a government agency and is not affiliated with HealthCare.gov, Medicare or any government agency. Carrier and product availability varies by state. Medicare: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.