How much does it cost to use a health insurance broker in Stuart?

Nothing. Brokers are paid a commission by the insurance carrier once a policy is issued. The premium is the same whether you enroll on your own or with my help, so there is no fee added for using a broker.

When is open enrollment for health insurance in Florida?

Florida uses the federal Marketplace at HealthCare.gov. Open Enrollment for 2027 coverage begins November 1, 2026. Enroll by December 15, 2026 for coverage that starts January 1, 2027. The final deadline for this year is the subject of a pending federal appeal, so enrolling by December 15 is the safe move.

What if I missed open enrollment?

You may still qualify for a Special Enrollment Period if you had a qualifying life event, such as losing employer coverage, moving, getting married or divorced, or having a baby. Most qualifying events open a 60-day window. If none apply, there are still options outside the Marketplace worth reviewing.

Do you handle life insurance as well as health insurance?

Yes. I am licensed in health, life and annuities, and write term, whole life and indexed universal life policies. Most clients set up health coverage first and add life once the household budget is clear.

Stuart · Martin County, Florida

Health insurance in Stuart, FL — without the marketplace runaround

Q: Can I get health insurance in Stuart if I am self-employed or paid on a 1099?

Yes. Self-employed and 1099 workers buy individual coverage rather than a group plan. Options include ACA Marketplace plans, private PPO plans sold off-exchange, short-term medical, and health sharing arrangements. Which one makes sense depends on your income, your prescriptions, and which doctors you want to keep.

I'm Michael D'Angelo, a licensed health and life insurance broker serving Stuart and the Treasure Coast. If you're self-employed, paid on a 1099, or shopping on your own after leaving a job, I'll compare what every carrier offers in Martin County and walk you through the differences in plain English.

Call or text (561) 316-7895 Request a free quote

Licensed in Florida (License G147091) and 27 other states · First Family Insurance · No fee to you

Michael D'Angelo, licensed health and life insurance broker serving Stuart, Florida

Who I help in Stuart and Martin County

Most of my Stuart clients don't have an HR department to hand them a benefits packet. They're buying coverage on their own and want someone to check the details before they commit.

Self-employed & 1099 workers

Contractors, marine trades, real estate agents, charter captains, stylists, and anyone whose income moves around from month to month. Your subsidy is based on projected income, and getting that number right matters at tax time.

Small business owners

If you have a handful of employees, a group plan isn't always the cheaper path. Sometimes it is. I'll run both so you can see the difference before you decide.

Retiring before 65

A common Stuart situation: you've stopped working but Medicare is still a few years out. That gap needs individual coverage, and the plan you choose affects what you pay for the next several years.

Families losing job coverage

Losing employer insurance opens a 60-day special enrollment window. COBRA is usually not your only option, and it's rarely the cheapest one.

What I can quote you

I'm an independent broker, so I'm not tied to one company. I compare what's actually available in your Martin County zip code and show you the trade-offs side by side.

Health insurance

ACA Marketplace plans through HealthCare.gov, private PPO plans sold off-exchange, short-term medical for coverage gaps, plus standalone dental and vision. If staying in-network at Cleveland Clinic Martin Health or with a specific Stuart doctor matters to you, tell me their names up front — I'll check the provider directory for every plan before you enroll, not after.

Life insurance

Term, whole life, and indexed universal life. Rates are based on your age and health at the time you apply, which is why locking one in earlier costs less over the life of the policy. If you own a business with a partner or carry a mortgage, this is worth a fifteen-minute conversation even if you decide against it.

Florida enrollment deadlines

Florida uses the federal Marketplace at HealthCare.gov — there's no separate state exchange, so these dates apply in Stuart, Palm City, Jensen Beach, and everywhere else in Martin County.

2027 coverage year

November 1, 2026 Open Enrollment opens. Plans, prices, and networks for 2027 become visible.
December 15, 2026 Last day to enroll for coverage that starts January 1, 2027.
January 15, 2027 Expected close of Open Enrollment. Enrolling after December 15 generally means coverage starts February 1.

The final deadline this year is tied up in a federal appeal, so treat December 15 as your real deadline — it guarantees a January 1 start no matter how the case is decided.

Outside those dates you'll need a Special Enrollment Period, which is triggered by a qualifying life event: losing employer coverage, moving to a new county or state, marriage or divorce, or having a baby. Most of these give you 60 days from the date of the event. If something changed recently, call before that window closes.

Common questions

The things Stuart clients ask me most often.

What does it cost to use a broker?

Nothing. Brokers are paid a commission by the insurance carrier once a policy is issued. The premium is identical whether you enroll on your own through HealthCare.gov or have me do it with you — there's no markup for using a broker.

Can I get covered if I'm self-employed or paid on a 1099?

Yes. Without a group plan you're buying individual coverage, and you have more options than most people realize: Marketplace plans with income-based subsidies, private PPO plans sold outside the exchange, and short-term medical for bridging a gap. Which one fits depends on your income, your prescriptions, and the doctors you want to keep.

I missed open enrollment. Am I stuck?

Not necessarily. A qualifying life event opens a 60-day special enrollment window, and there are also products available year-round outside the Marketplace. Worth a phone call before you assume you have to wait until November.

Do you only work with people in Stuart?

Stuart and Martin County are home base, but I'm licensed in Florida and 27 other states. If you split time between Florida and somewhere up north, or you're relocating, that's a conversation I have often.

Do you handle life insurance too?

Yes — I'm licensed in health, life, and annuities. Most clients sort out health coverage first and add life once they can see the whole monthly picture.

Areas served

StuartPalm CityJensen BeachHobe Sound Port SalernoSewall's PointRioIndiantown Port St. LucieFort PierceMartin CountySt. Lucie County

Let's compare your options

Send a few details and I'll come back with what's available in your zip code. No pressure, no obligation, and I won't sell your information to anyone.

Call or text

(561) 316-7895

Email · mdangelohealth@gmail.com

Instagram · @insurancemike_

Hours · Monday–Friday, 9am–6pm ET