Know the full cost
Compare monthly premiums with deductibles, copays, prescription costs and the annual out-of-pocket limit. An agent can explain estimated financial assistance using your household information.
FLORIDA · ONLINE COVERAGE GUIDANCE
Health insurance help for Miami–Fort Lauderdale–West Palm Beach.
Coverage choices should fit your life, your doctors and your budget. Get personal guidance from Sunset Insurance Group, wherever you are in Florida.
Apply for coverage →Prefer to talk? 941-363-1367
Compare coverage around your Miami–Fort Lauderdale–West Palm Beach life.
South Florida households often travel between Miami, Fort Lauderdale and West Palm Beach for work, family and medical care. A plan offered at your home address may have a network that differs from another plan sold farther along the coast. We help you organize the comparison around the doctors and facilities you actually use.
We assist residents across Miami-Dade, Broward and Palm Beach counties and throughout Florida online and by phone. Plan availability is confirmed using your residential ZIP code and county; living near a city does not guarantee a particular carrier or network.
Check your care
Bring your doctors, preferred facilities and medications. We help check plan directories and formularies before you choose; benefits and provider participation must be confirmed with the carrier.
Plan for changes
Moving, leaving a job or changing household circumstances may affect your coverage options. We help review the appropriate enrollment pathway and any documentation requests.
Coverage questions for Miami–Fort Lauderdale–West Palm Beach households
Three counties, one household review
Tell us whether your home is in Miami-Dade, Broward or Palm Beach County. Use each family member’s actual residential information, even when school, work or medical appointments take you elsewhere in South Florida.
Check each provider location
If you see a specialist in Miami and a primary doctor in Broward, list both offices. Ask about the exact network and location rather than assuming a carrier name means every South Florida provider participates.
Moving along the coast
Before a move between counties, review the new address, coverage dates and available options with your agent. Keep the old coverage details available so you can discuss the transition before making changes.
Your Florida Marketplace pathway
Florida residents use HealthCare.gov for Marketplace coverage. Your residential address, household and coverage year determine the options researched; a regional page does not select a carrier or plan. Florida Blue options can be reviewed with Summer Proctor when available for your address. Other carrier choices are researched through the Sunset team; no carrier or plan is guaranteed for every county.
Submitting our intake does not enroll you or bind coverage. A licensed agent helps you review the available choices, confirm eligibility and complete the appropriate Marketplace steps.
Official HealthCare.gov information ↗
Will a plan sold in Miami cover my doctor in West Palm Beach?
That depends on the exact plan, provider and office location. Your home address determines the plans offered; a separate network check is needed for care elsewhere in South Florida.
Can I apply if I live outside Miami–Fort Lauderdale–West Palm Beach?
Yes. Sunset assists residents throughout Florida, Georgia and Texas. Enter your actual residential address; it controls state routing and the plans researched for your application.
Will I keep my existing agent?
We match returning applicants to their existing contact record. Your agent of record is preserved, and a licensed servicing agent handles your application for the residential state.
What should I prepare?
Have your residential address, household details, estimated annual income, doctors and prescriptions available. Enter sensitive information only in the secure application below.
Where is Sunset based, and how can I get help?
Our office is in Bradenton, Florida. We serve Florida by phone and online. This page does not represent an additional branch office.
Your Miami–Fort Lauderdale–West Palm Beach coverage application
The form below is our existing secure Sunset application. Confirm your residential state and address—even if you are applying from a different city. Your application and contact information stay connected to our Agent Hub.
Open application in a full window ↗Plan eligibility, final premiums and coverage are determined by the Marketplace and insurer. Please review all consent and privacy notices in the application.
Online service. Personal support.
Questions before applying? Our team can help.