Individual, Family & Medicare
Health Insurance in Naples, Florida

ACA marketplace plans are for people under 65 who don't have employer-sponsored coverage. Medicare is the federal health program for people 65 and older. If you're under 65 and self-employed, between jobs, or your employer doesn't offer coverage, ACA marketplace plans are your primary option. Once you turn 65, Medicare becomes your primary coverage — and a Medicare Supplement (Medigap) plan fills the cost gaps that Original Medicare leaves behind. You cannot have an ACA plan and Medicare at the same time once Medicare is active.

ACA marketplace open enrollment typically runs November 1 through January 15 in Florida. Outside of open enrollment, you can still enroll if you have a qualifying life event — losing job-based coverage, getting married, having a baby, or moving to Florida. Medicare open enrollment is October 15 through December 7 each year. Medicare Supplement plans can generally be purchased year-round, though your best rates and guaranteed-issue rights are available during the 6-month Medigap Open Enrollment Period after you turn 65 and enroll in Part B.

Yes. Florida businesses with 2 or more full-time employees typically qualify for a group health plan. Group health is a powerful tool for attracting and retaining staff in a competitive Naples market — and employer-paid premiums are generally tax-deductible. Bruno works with several carriers offering small group plans and compares options based on your number of employees, the coverage level your team needs, and your budget.

Original Medicare covers roughly 80% of most medical costs — leaving you responsible for the remaining 20%, plus deductibles, with no annual out-of-pocket maximum. A Medicare Supplement plan pays some or all of those gaps. Plans are federally standardized by letter (A through N), so a Plan G from one carrier offers the same coverage as a Plan G from another — the difference is only the premium and the company's reputation. Plan G and Plan N are currently the most popular with Naples retirees. Bruno compares Medigap plans from multiple carriers to find the best premium for the coverage you need.