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This site is operated by Sunlife Insurance LLC, doing business as SimpleCare Insurance, a licensed independent insurance agency, Florida license no. L094843. We are not the Health Insurance Marketplace®, HealthCare.gov or a government agency. "Obamacare" is the common name for the Affordable Care Act.

ObamacareCenter.orga service of Sunlife Insurance LLC (SimpleCare Insurance)
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Your health plan, with the price in plain sight

See what you could pay per month for a plan from the Health Insurance Marketplace (ACA, often called Obamacare) without giving your name. Then a licensed agent finishes it with you by phone, at no cost.

  1. Example · 1 adult · Miami-Dade · $52,000 a yearPer month, after financial help
  2. Bronze $276/mo
  3. Expanded Bronze lowest $251/mo
  4. Silver $431/mo
  5. Gold $373/mo
  6. Estimated help $251/mo

  7. No name, phone or email. Just your ZIP code, the people in your household and your approximate income. Two minutes.

Example with 2027 plan-year prices retrieved on October 24, 2026. This is an estimate, not a quote or an eligibility determination: your premium and any financial help are determined by the Marketplace based on the information you provide. Plans vary by county.

You do not have to shop alone

A family agency in Miami, licensed in eleven states, that enrolls and renews by phone. Our help costs you nothing.

  • Agents at the window 3

    Maria, Harry and Diego help you in person in Miami, by phone or online. The same agent all year.

    Agents of Sunlife Insurance LLC as of October 24, 2026.
  • People insured 1,400+

    More than 1,400 people have health coverage today through our agency.

    People covered on active policies as of October 6, 2026. Agents may receive compensation from the carrier when you enroll. No obligation to enroll.
  • Carriers in Florida 5

    Florida Blue, Ambetter, Oscar, UnitedHealthcare and Molina. We compare the options available in your county.

    Carriers the agency is contracted with as of October 24, 2026. Availability varies by county.

What could you pay per month?

A real estimate for your county and your household, without sharing your personal information. Five steps, two minutes.

This is an eligibility estimate, not a quote or a final price. A licensed agent reviews your household and confirms exact eligibility and cost before you enroll.

Call to confirm my price Request a phone appointment I would rather you call me
Illustrative image: an agent, seen from behind, reviews a plan with a couple at her desk.

How we help

Like at the window: you ask, we tell you the price, and we finish it together.

  1. 1
    See your estimate

    Your ZIP code, your household and your approximate income. The result shows the lowest price in each metal level, with the estimated help already taken off.

  2. 2
    Talk to a licensed agent

    Call or book a phone appointment. Your agent reviews what you can cover and recommends the plans that fit your family and your budget.

  3. 3
    Enroll with the price in front of you

    We compare the carriers available in your county. Nothing is sent to the Marketplace until you review it and agree.

Real reviews from real clients

Three of the agency's 75 public Google reviews (as of August 21, 2026), complete and unedited.

Harry Froget is very helpful, profesional and solve what you are looking for. Understand your needs.

Maru Larrazabal · Google review

The best and the most accurate insurance office I have ever been. Good people, good results.

luis quintanales · Google review

Professional and personal service. Highly recommended for personal and corporate taxes.

Gabriela Vera · Google review

See all reviews on Google

Would you rather we call you?

Leave us the basics and a licensed agent calls you during office hours. No cost and no obligation.

  • We call you, in Spanish or English, at the number you give us.
  • We do not ask for your Social Security number or documents on this site.
  • Nothing is sent to the Marketplace until you review your information and agree.

Talk to an agent today

Call (305) 702-0459 Request a phone appointment

I would rather you call me

Mon–Fri 10:00 a.m.–6:00 p.m. · Sat 9:00 a.m.–5:00 p.m., Miami time

Who is at the window

Choose who you want to talk to. The call and the phone appointment cost you nothing.

Maria Padrón Licensed insurance agent · speaks Spanish and English Call and ask for Maria Harry Froget Insurance consultant · speaks Spanish and English Call and ask for Harry Diego Froget Licensed insurance agent · speaks Spanish and English Call and ask for Diego

Frequently asked questions

The five we hear most at the window.

Are you HealthCare.gov or a government agency?
Sunlife Insurance LLC, doing business as SimpleCare Insurance, is a licensed independent insurance agency; we are not the Health Insurance Marketplace®, HealthCare.gov or a government agency. The government's site for the Marketplace is HealthCare.gov. Eligibility for Marketplace coverage and financial help is determined by the Marketplace based on the information you provide. We help you compare the options and complete your enrollment, at no cost to you. "Obamacare" is the common name for the Affordable Care Act.
My immigration status is not settled, or my household is mixed. Do I have options?
Yes. It is the case we see most at the window, and we have spent years working it out with Miami families. The Marketplace requires lawful presence in the United States, and starting with coverage that begins in January financial help is limited to citizens, green card holders, Cuban and Haitian entrants and Compact of Free Association migrants; with TPS, asylum or certain visas you can enroll at full price. If you do not qualify, your partner or your children often do, and the application does not ask the status of anyone who is not enrolling. And if nobody in the home qualifies, we show you private plans outside the Marketplace. Call us with your document at hand and we go through it together by phone, at no cost. Nobody leaves here without knowing what their option is.
Do you charge for your help?
No. The agency is paid by the insurance carrier when you enroll, so the call, the phone appointment, the plan comparison, the application and your renewals cost you nothing. You pay the same for your plan with or without an agent, and there is no obligation to enroll.
When can I enroll in a health plan?
Open Enrollment for the coming plan year runs Nov 1 – Jan 15. Outside that window you can enroll if a qualifying life event opens a Special Enrollment Period, for example a move, marriage, new baby or loss of other coverage. Dates can differ in states that run their own Exchange. We can check your situation, free.
Which insurance carriers do you compare?
In Florida we compare the available health plans from Florida Blue, Ambetter, Oscar, UnitedHealthcare and Molina. Which carriers and plans you can choose depends on your county and your eligibility, so your agent checks by phone what is actually available at your address before recommending a plan.
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