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For Floridians choosing who helps them · Licensed in 30+ U.S. states

Health insurance
broker in
Florida.

Most Floridians who picked a Marketplace plan for 2026 had help from an agent or broker. Here is what a broker does, how one gets paid, and how to check a broker's license.

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Why use a broker?

A broker works
across companies.

Many people are not sure what a broker does, or what one costs. These are the three questions we hear most:

What does a broker do?

A broker helps you compare plans, fill out the application, and sort out questions after you enroll. An independent broker can often show plans from more than one company.

Does using a broker cost more?

Not with us. You do not pay us for our help, and your price for a plan is the same whether you use us or sign up on your own.

Is a broker the same as a captive agent?

Not quite. A captive agent usually sells for one company. An independent broker can be appointed by several companies and compare their plans.

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How brokers are regulated

Florida and federal rules a broker must follow.

These rules cover the person helping you, not just the plan.

Under Florida law, no one may act as an insurance agent unless they are licensed by the Department of Financial Services and appointed as Florida law requires, usually by an insurance company.
When a company appoints an agent, it tells the state it has checked the agent's character and fitness. It also agrees to be bound by the agent's acts within that appointment.
To help with Marketplace plans, an agent or broker must also register with the federal Marketplace and complete its training (45 CFR 155.220).
Before helping you enroll in a Marketplace plan, the agent must get your consent and have you confirm your application is correct. Both records must be kept for at least 10 years.

Who can help you enroll

Three kinds of help with enrolling.

An independent broker

Licensed and appointed by insurers. Can compare plans from more than one company, on and off the Marketplace, and help after you enroll.

A Navigator

A trained helper who must give fair, accurate, and impartial information. Federal rules bar Navigators from taking pay from insurers for enrollments.

Doing it yourself

You can apply on your own through the Marketplace or with one company. The plan price is the same, but the comparing and paperwork are up to you.

Brokers on Florida's Marketplace

Brokers on Florida's
Marketplace.

3,916,082

Floridians with a 2026 Marketplace plan were helped by an agent or broker.

About 86%

of all Florida plan selections for 2026, by our math.

608,683

new Florida customers, with no 2025 Marketplace plan, also used an agent or broker.

Source: CMS 2026 Marketplace Open Enrollment public use files (Florida; plan selections November 1, 2025, to January 15, 2026; "assisted by an agent or broker" as CMS defines it). "About 86%" is our math: 3,916,082 of 4,538,772.

Paul DanielsLicensed health advisor · NPN 20986580

Working with Paul

An independent brokerage
for Florida.

Paul Daniels owns Daniels Health Advisors, an independent brokerage licensed in 30+ U.S. states. We compare plans from the companies that have appointed us, help you apply, and help with questions after you enroll. You can look up Paul Daniels on the state's Licensee Search. For a wider network, we can also show private PPO options. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

Prefer a local guide? See the areas we serve for city pages across Florida.

Plans from the companies that have appointed us, compared for you
Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
You do not pay us for our help. We are paid by the insurance companies when you enroll. Your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

Your first call

Working with a broker in three steps.

Check our license

Look up Paul Daniels by name on the Florida Department of Financial Services Licensee Search.

Tell us what you need

Who needs coverage, your doctors, your drugs, and your budget.

Compare and enroll

We explain the trade-offs, record your consent, and help you apply.

Book a 15-minute call

Recommended on Facebook

What people say
about working with us.

“I’ve know Paul for years and definitely trust him in the health advisor dept! Working with small business owners he has been a great partner with explain options and provide solutions!”

Sandra D.
Facebook recommendation

“Paul was very helpful in my search for business group insurance. He was able to explain my options and answer all the questions I had before signing up. Highly recommend working with him!”

Adil J.
Facebook recommendation

Your consent comes first

Your consent
comes first.

No Marketplace agent should enroll you or change your plan without your OK. Federal rules require the agent to document your consent, and to have you confirm your application is correct before it is sent. Ask any agent how they record that consent. You will leave with:

A record of the consent you gave us
Your application reviewed with you before it is sent
The plans we compared, and why
Who to contact if something changes

A checklist for

Before you pick a broker.

Look up the agent's Florida license on the state Licensee Search.
Ask which insurance companies have appointed the agent.
Ask how the agent is paid.
Ask how the agent records your consent before enrolling you.

Broker questions

Health insurance broker FAQ.

What does a health insurance broker do in Florida?

A broker helps you compare plans, apply, and sort out questions after you enroll. In Florida, the broker must be licensed by the Department of Financial Services and appointed by the insurers whose plans they sell.

How are health insurance brokers paid?

We are paid by the insurance companies when you enroll. You do not pay us for our help, and your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

How can I check if a broker is licensed in Florida?

Use the Florida Department of Financial Services Licensee Search. You can search by name, license number, or national producer number (NPN).

What is the difference between a broker and a Navigator?

Both can help you enroll in a Marketplace plan. Navigators must give fair, accurate, and impartial information, and they cannot take pay from insurers for enrollments. A licensed broker can also help with plans sold outside the Marketplace.

Can a broker enroll me without my permission?

Federal rules say no. Before helping you enroll in a Marketplace plan, an agent or broker must get and document your consent. If you think someone changed your plan without your OK, contact the Marketplace and the Florida Department of Financial Services.

Do I have to wait for open enrollment?

For a private plan (not from the Marketplace), you can often apply any time of year. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled. Marketplace plans, and other plans that follow ACA rules, work differently. As of October 19, 2026, under current law, open enrollment for 2027 plans runs from November 1, 2026, to January 15, 2027. As of October 19, 2026, a federal appeal about these dates is pending (City of Columbus v. Kennedy, 4th Cir. No. 26-1938), with oral argument set for October 30, 2026. Confirm the dates before you enroll. To start coverage January 1, pick a plan by December 15 (the deadline under current law). Outside those dates, you may need a special enrollment period. Losing job-based coverage is one example.

Talk with a licensed
Florida broker.

Book a free 15-minute call or start a quote online.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed insurance agent (NPN 20986580).

Disclaimer

Daniels Health Advisors LLC is an independent brokerage, not a carrier, HealthCare.gov, or CMS. Agent: Paul Daniels, NPN 20986580, Florida license G065122. This page is about personal and family health insurance. It is not business liability or workers' comp insurance. Tax credits, plans, networks, and prices depend on your state, zip code, income, and household. We never guarantee approval, a doctor, or a price. Not medical, legal, or tax advice.

Health insurancebroker inFlorida.

A broker worksacross companies.