Health Insurance Options That Fit Your Life
Health insurance is personal—and it should feel that way when you’re choosing a plan. Whether you’re self-employed, in between jobs, supporting a family, or not yet eligible for Medicare, we’re here to help you find coverage that fits your needs and budget.
At BCI Insured, we offer honest, independent guidance to help you compare health insurance plans without confusion or sales pressure. And there's never a fee for our services—insurance companies compensate us, not you.
Who We Help
We support clients across many situations, including:
Individuals Without Employer Coverage
If you’re self-employed, part-time, or in transition.
Young Adults Aging Off a Parent’s Plan
We'll help you get set up with your first policy.
Pre-Retirees (Ages 60–64)
For those who need coverage before Medicare begins.
Families
We help you explore affordable options for you, your spouse, and your children.
Early Retirees
If you’ve left the workforce and need temporary or long-term health coverage.
Types of Plans We Help With
We help you understand and compare a variety of plan types, including:
Marketplace Plans (ACA)
Often available with subsidies based on income, and usually cover essential health benefits like doctor visits, prescriptions, and preventive care.
Short-Term Health Insurance
For temporary coverage gaps, such as between jobs or during waiting periods.
Off-Market Private Plans
Available year-round in many states and often used by those who don't qualify for subsidies.
Family Plans
Options to cover both parents and children under a single plan.
Not sure which one you qualify for? We’ll guide you step-by-step.
What Makes BCI Insured Different?
- We’re Independent – That means we don’t work for any one insurance company—and we don’t have quotas to meet.
- We Work With 26+ Carriers – Giving you access to a wide range of coverage options.
- Our Help is Always Free – No fees. No hidden costs. Just real answers and support.
- We're Licensed in 11 States – So whether you're in Florida or beyond, we can help.
Health Coverage for Pre-Retirees
If you’re 60 to 64 years old and no longer covered by an employer, finding the right health plan is critical until you become eligible for Medicare. We’ll help you:
- Understand enrollment windows
- Compare plan types
- Choose coverage that bridges the gap with confidence
Health Insurance Help—Wherever You Are
From our home base in St. Augustine, we work with clients across Florida and throughout 10 other states across the U.S - Alabama, Louisiana, New Jersey, New York, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. Wherever you are, we can help you compare your local Medicare Advantage options.
FAQs About Health Insurance
Do I qualify for a subsidy?
You may qualify for lower premiums based on income. We can help you check your eligibility and apply.
Is short-term insurance a good option?
It depends on your situation. Short-term plans can help fill gaps, but they aren’t always comprehensive. We’ll explain the pros and cons.
Can I change plans during the year?
Typically only during Open Enrollment or if you have a Qualifying Life Event—but we’ll walk you through your options.
Explore Health Insurance Options
Let’s Find a Plan That Works for You
Every situation is unique—your health insurance should be too. Whether you want to explore options on your own or talk through it with a trusted advisor, we’re here to help.