Michael Insurance Solutions
New Florida residents & snowbirds

You changed
your address.
Keep your doctors.

Your old plan stops working at the state line. And the plan most people grab in a hurry won't cover the specialist they still see back home. I help you pick one that does both.

Get my options Call me directly

Licensed Florida broker · No cost to you · The carrier pays me

Michael D'Angelo, licensed health and life insurance broker
Michael D'AngeloHealth & Life Broker
What actually goes wrong

Three things nobody warns you about before the move

1

Your old plan doesn't move with you

Marketplace coverage is tied to the state you live in. Once Florida is your residence, the plan you had up north is out of area — and outside of an emergency, it stops paying.

2

New patient waits are long here

South Florida primary care panels fill up fast, especially in season. If you pick a narrow network first and look for a doctor second, you get whoever's left.

3

The specialist back home is the real problem

An oncologist, a cardiologist, a surgeon you've seen for a decade. On the wrong plan, that visit is entirely out of pocket. On the right one, it isn't.

If you split the year

Half your life is here. Your plan should know that.

Snowbirds get sold coverage built for someone who never leaves the county. Here's the shape of the year we're actually insuring:

In Florida Back home up north
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
One planTwelve months, two states

You enroll where you legally reside — that part isn't optional. The question worth asking is what that plan does for you the other half of the year. That's where the network type decides everything.

The one decision that matters

Network type, not premium

Two plans can cost nearly the same and behave completely differently the moment you cross a state line.

HMO / EPO
The cheaper monthly premium — and usually the wrong fit if you travel
  • —Care outside the network generally isn't covered at all
  • —Out of state, you're limited to true emergencies
  • —Referrals often required to see a specialist
  • —Fine if all of your care happens in one county
Usually the fit
PPO
Costs more per month, and buys you the thing you actually need
  • ✓Out-of-network care is still covered, at a higher share
  • ✓Some carriers run national networks — your northern doctor may be in-network
  • ✓No referral needed to see a specialist
  • ✓Built for people whose life isn't in one ZIP code

Which carriers offer a true national PPO in your county changes every year. Before you enroll, I check your specific doctors against the actual network — not a brochure.

Who I work with

Mostly people without an HR department

Just relocated

You closed on a house in West Palm Beach and Palm Beach County, Miami-Dade or Stuart, Martin and St. Lucie and need coverage that starts before your old plan lapses.

Snowbirds

Florida is home on paper, but half the year is somewhere else — and both halves need to work.

Self-employed & 1099

Realtors, contractors, consultants, business owners. No group plan, no benefits meeting, nobody handling it but you. Many also pair this with life insurance.

Straight answers

Questions I get every week

I just moved. Do I have to wait until open enrollment?
Usually no. A permanent move to a new area is a qualifying life event, which opens a Special Enrollment Period — typically 60 days from the move. In most cases you'll need to have had coverage for at least one day in the 60 days before you moved. Send me your move date and I'll tell you whether the window is open.
I spend half the year in another state. Where do I enroll?
Where you legally reside. You can't hold a marketplace plan in a state you don't live in, and you can't hold two. The real work is choosing a Florida plan whose network still functions when you're away — which is a network question, not an address question.
Will a Florida plan cover me back home?
Emergency care is covered anywhere, on any plan. Routine and specialist care is where plans diverge: an HMO generally won't cover it out of area, while a PPO will cover out-of-network care at a higher cost share — and if your carrier uses a national network, your doctor up north may actually be in-network. That's the specific thing I check before you sign anything.
Can I keep the specialist I've seen for years?
Sometimes yes, sometimes at a higher cost, sometimes not at all. It depends on the carrier and the network in your county. Give me the doctor's name and I'll verify it directly rather than guess.
I'm on Medicare. Does any of this apply?
Different rules, same question. Original Medicare works with any provider who accepts it nationwide. Medicare Advantage plans vary widely — some are local HMOs, some are PPOs with out-of-network benefits, and some include travel or visitor programs. If you split the year, that distinction matters a great deal.
What does this cost me?
Nothing. I'm compensated by the carrier, and the premium is the same whether you enroll through me or on your own. What you get for using a broker is someone who checks the networks and picks up the phone next year when something changes.
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Tell me where you're moving from

I'll come back with what's available in your county, which plans keep your doctors, and whether your enrollment window is open right now.

  • No cost, and no obligation to enroll
  • I'll tell you if you're better off staying put
  • Licensed in Florida and Pennsylvania
  • Same-day response most days

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