What we offer
ACA and Medicare plans — explained simply
We specialize in two things and we do them exceptionally well: Affordable Care Act health plans and Medicare coverage. Our licensed agents help you understand your options and choose the plan that fits your life — not ours.
ACA plans
Affordable Care Act Health Plans
The ACA Marketplace offers comprehensive health coverage for individuals, families, and the self-employed. With the right guidance, you may qualify for subsidies that significantly reduce your monthly premium. Our agents walk you through every option so you never pay more than you have to.
Who is it for?
- Individuals and families without employer-sponsored coverage
- Self-employed individuals and freelancers
- People between jobs or recently lost coverage
- Small business owners seeking personal coverage
- Anyone who wants better coverage than they currently have
How it works
- 1
Free consultation
We start with a no-pressure conversation to understand your health needs, income, and budget.
- 2
Plan comparison
We compare options across multiple carriers and identify any subsidies or tax credits you qualify for.
- 3
Enrollment support
We handle the paperwork and walk you through enrollment from start to finish.
- 4
Ongoing support
We review your plan every year at renewal to make sure it still fits — and we're always a call away.
Comprehensive medical coverage
Doctor visits, hospital stays, emergency care, lab work, and preventive services — all covered.
Subsidies and tax credits
Many clients qualify for premium tax credits that dramatically lower their monthly cost. We'll find out exactly what you qualify for.
Open and special enrollment
We guide you through open enrollment periods and qualifying life events that allow you to enroll or change plans outside the standard window.
Plans for every budget
From Bronze to Platinum, we compare plans across multiple carriers to find the right balance of premium, deductible, and coverage for your situation.
Medicare plans
Medicare Coverage Made Simple
Medicare can feel overwhelming — Part A, Part B, Part C, Part D, Medigap. Our agents cut through the confusion and help you understand exactly what you have, what you need, and what it will cost. Whether you're turning 65 or re-evaluating your current coverage, we're here to help.
Who is it for?
- Adults turning 65 and enrolling in Medicare for the first time
- Retirees transitioning off employer coverage
- Current Medicare enrollees looking for better or more affordable coverage
- Caregivers helping a parent or spouse navigate Medicare options
How it works
- 1
Eligibility review
We confirm your Medicare eligibility and walk you through your enrollment window so you don't miss critical deadlines.
- 2
Needs assessment
We learn about your doctors, prescriptions, and health priorities to narrow down the right type of plan for you.
- 3
Plan comparison
We compare options across multiple carriers — Advantage, Supplement, and Part D — with full cost transparency.
- 4
Enrollment and follow-up
We handle enrollment and check in annually to make sure your coverage keeps pace with your needs.
Medicare Advantage (Part C)
All-in-one plans that bundle Parts A and B — often including dental, vision, and prescription drug coverage — through private insurers.
Prescription Drug Plans (Part D)
Standalone drug coverage to pair with Original Medicare. We compare formularies and costs across plans to find the best fit for your medications.
Medicare Supplement (Medigap)
Fills the gaps in Original Medicare — covering copays, coinsurance, and deductibles so you're not caught off guard by out-of-pocket costs.
Annual plan review
Plans change every year. We review your coverage at renewal to make sure your plan still makes sense for your health and your budget.
The BCI Health difference
We work for you — not the carriers
Most insurance agencies steer clients toward the plans that pay the highest commissions. We don't. BCI Health is carrier-agnostic, which means we compare options across multiple providers and recommend the plan that's genuinely best for you. Our business grows when our clients are happy — and that's exactly how we like it.
Carrier-agnostic
We're not tied to any single carrier. We compare across the market to find your best option.
No pressure, ever
Free consultations with zero obligation. We answer your questions and let you decide.
Licensed in 22 states
Florida-based and nationally reaching — we serve clients across 22 states with the same personal care.
Long-term relationships
We review your plan every year and are always available when your situation changes.
Not sure which plan is right for you?
That's exactly what we're here for. Schedule a free, no-obligation consultation and let a BCI Health agent walk you through your options.
Talk to an Agent Today