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Daniels Health Advisors
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Winter Park City Hall in Winter Park, Florida

Winter Park · Orange County

Winter Park health insurance broker. Help when you step back from work.

Free, licensed help for people in Winter Park and nearby Orange County. Retiring early, cutting back to part-time, or selling a business? We check how your new income affects your tax credit, which doctors each plan uses, and the yearly cost.

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Photo: "Winter Park FL city hall01" by Ebyabe, via Wikimedia Commons, licensed under CC BY-SA 3.0. Cropped, resized, and converted to WebP. This edited version is also licensed under CC BY-SA 3.0.

Common questions

Done with the 9-to-5?
Sort out coverage first.

Nearly 1 in 7 people who picked a 2026 Orange County Marketplace plan were ages 55 to 64. Here are three things Winter Park residents ask us before they leave a job.

“My paycheck is ending, but I have money in the bank and a pension. How does that work?”

Money already in a bank account usually isn't counted as income. A pension is, and so is most money you pull from an IRA or 401(k). We help you estimate what you will take out for the year the plan covers.

“Could a smaller income mean a bigger tax credit?”

It may. The credit is based on your household income for the coverage year. As of October 13, 2026, under current law, the extra help from earlier years ended after 2025. Above 400% of the poverty level, there is generally no credit.

“Will my specialists be covered?”

Check before you pick. In 2026, 157 of the 208 Marketplace plans in Orange County were HMOs. An HMO usually won't pay for doctors outside its network, except in an emergency.

Winter Park by the numbers

Coverage in Winter Park
and Orange County.

Winter Park is a city of lakes and brick streets in Orange County, just north of Orlando. These figures come from CMS and the U.S. Census Bureau.

3,261

Marketplace enrollees for 2026 were people in ZIP code 32789, the ZIP code that is mostly Winter Park.

+2.1%

was Winter Park's population growth from 2020 to 2025, to more than 30,400 people.

Nearly 1 in 7

Orange County Marketplace shoppers in 2026 were ages 55 to 64.

About half

of Orange County's 2026 Marketplace shoppers chose a Silver plan.

208 plans

from 10 companies were sold in Orange County for 2026.

About 14 in 100

Orange County residents younger than 65 had no health insurance in 2024.

Sources: CMS 2026 Open Enrollment data (county and ZIP code files) and 2026 plan data, and U.S. Census Bureau (2025 population estimates, 2020 ZIP code maps, and 2024 health insurance estimates). Your plans, prices, and tax credit depend on your ZIP code, household, and income.

Paul Daniels
Paul DanielsLicensed health advisor · NPN 20986580

How we help

Licensed guidance
for your next chapter.

We are not tied to any one insurer. We list the Orange County plans in your ZIP code and help you plan income for the year ahead, counting pensions and retirement withdrawals. Then we check your doctors and specialists in each plan and add up the cost for twelve months.

  • Time to think it through, no rush
  • Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
  • Free to you. Carriers pay us, not you.

How it works

Plan your coverage
before your last day.

Pick your date

Tell us when your work coverage ends, plus everyone's age and your Winter Park ZIP code.

Map out next year's income

We add up pensions, withdrawals, and any part-time pay to estimate your credit.

Check your doctors

We search each plan for your doctors, specialists, and medicines. You make the final call.

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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

What you get

A clear yearly cost,
no gap in coverage.

Take out more from retirement accounts than you planned, and some of your credit may have to be paid back. Let your job plan lapse without a new one ready, and you could go uncovered. After our call, you get:

  • An income estimate that counts your pension and planned withdrawals
  • Each plan's monthly price, deductible, and copays added into a twelve-month total
  • Your doctors and specialists checked in each plan you like
  • Sign-up done by December 15, 2026 (the deadline under current law), in time for a January 1, 2027, start once you pay the first premium

Hospitals near Winter Park

AdventHealth Winter Park is in town, and AdventHealth Orlando is a few miles south. Networks differ between Orange County plans, so search for both before you choose.

  • AdventHealth Winter ParkWinter Park
  • AdventHealth OrlandoOrlando

This is not a list of in-network hospitals for any plan. Networks can change each year.

Straight answers

Winter Park health insurance questions.

Which companies sold Orange County Marketplace plans for 2026?

Orange County's 2026 Marketplace plans came from ten insurers: Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna Healthcare, Florida Blue, Health First, Molina Healthcare, Oscar, UnitedHealthcare, and Wellpoint. The 2027 roster should be posted around November 1, 2026, when open enrollment starts.

Does money I take from my IRA count as income?

Usually, yes. Most traditional IRA and 401(k) withdrawals count toward the household income used for your tax credit. Roth withdrawals often do not. Pensions count too. A tax professional can confirm how your own accounts are treated.

Should I keep COBRA after I retire early?

Run the numbers on both. With COBRA, the same work plan continues for a limited time, and you generally pay its whole premium yourself, sometimes with a small fee on top. A Marketplace plan could carry a tax credit once your paycheck stops. Line up the doctors and the twelve-month total side by side. Decide within 60 days of losing your job plan: if you pick COBRA and later drop it on your own outside open enrollment, that usually does not open a new sign-up window. Our COBRA alternatives page has more.

Is AdventHealth Winter Park in all Orange County plans?

Not all of them. Each plan picks its own hospitals, and HMOs were most of the county's 2026 plans. Look the hospital up in each plan's provider list before you enroll.

Are PPO plans sold in Orange County?

Yes, but few. Orange County's 2026 Marketplace lineup counted 14 PPOs next to 27 EPOs and 10 POS plans, out of 208 total. How each one treats doctors outside its network differs. If your tax credit is small or zero, a private PPO plan may be another option to look at. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

When is open enrollment for 2027 coverage?

As of October 13, 2026, under current law, you can sign up from November 1, 2026, through January 15, 2027. A court case about these dates is still on appeal, so check HealthCare.gov. To start coverage January 1, pick a plan by December 15. Outside those dates, you usually need a life event, such as a move or losing other coverage. Our Florida open enrollment guide has the details.

More help nearby

Health insurance in Winter Garden Health insurance in Orlando Health insurance in Orange County Early retiree PPO options Special enrollment in Florida Nationwide private PPO plans All areas we serve

Open enrollment starts November 1

Comparing plans in Winter Park or Orange County?

Set up a free 15-minute call, or start a quote online. No pressure, and no obligation to enroll.

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By Paul Daniels, licensed health insurance agent (NPN 20986580). Local facts checked October 13, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not HealthCare.gov, CMS, FLOIR, or a carrier. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. Official: HealthCare.gov. Verify licensing via NPN. Winter Park / Orange County / Central Florida.