Licensed Florida insurance agency
ObamaCare and health insurance in Florida, made clear.
Arte Insurance is a private, licensed Florida insurance agency (license L116417, NPN 20226442) with an office in Hialeah. We help families across Florida with ObamaCare (ACA Marketplace) plans and with life, auto and home insurance, in English or Spanish. Your premium is the same as if you enrolled on your own.
Updated · Source: Florida DFS licensee search
2027 Open Enrollment
Key dates to enroll for 2027
For HealthCare.gov Marketplace plans in Florida.
- Open Enrollment starts
Apply, renew or switch plans for 2027.
- Deadline for January 1 coverage
Pick your plan by this date.
- Last day to enroll
Plans picked Dec 16 to Jan 15 start February 1.
Source: HealthCare.gov dates and deadlines. After January 15, you generally need a qualifying life event to enroll.
AI assistant · 24/7
Meet Alex, our AI assistant
Alex is Arte Insurance's AI assistant and answers any time of day: general questions, taking your details and booking a call. When your case needs a closer look, a licensed agent takes it from there.
Alex speaks English and Spanish.
“Gracias por llamar a Arte Insurance, le habla Alex…”Alex greets callers in Spanish and switches to English as soon as you speak English.
What Alex does
- Answers general questions about ObamaCare 2027
- Takes your details and books a call
- Sends you the 2027 enrollment guide
What Alex doesn't do
- Decide your eligibility or your price
- Replace your licensed agent
- Take documents or ID numbers
Illustrative photoWhen you ask, or when your case needs it, a licensed Arte agent calls you and stays with you through enrollment.
Alex is an artificial intelligence assistant and can make mistakes. A licensed agent confirms the details before any enrollment. Calls may be recorded.
What we offer
Our insurance
Health, life, auto and home coverage, explained patiently and in your language, anywhere in Florida.
Starts Nov 1ObamaCare
Marketplace health plans for individuals and families, with help applying for tax credits.
See 2027 plans
Life
Term and permanent coverage to protect the people who depend on you.
Learn more
Auto
From the PIP and property damage coverage Florida requires to fuller protection.
Learn more
Home
Homeowners, condo and renters coverage, with help on hurricane and flood questions.
Learn more2027 calculator
What will ObamaCare cost you in 2027?
Answer two questions to see the most you'd be expected to pay for the benchmark Silver plan, using the official 2027 figures.
Before taxes. Add up income for everyone in your tax household.
- Private: nothing you type here is saved
- Official 2027 IRS and HHS figures
For 2 people earning $40,000 a year, the most you'd pay is:
$201a month
for the benchmark Silver plan (185% of the poverty level; 6.03% of your income).
Good news: at this income you may also get extra savings on deductibles and copays if you choose a Silver plan.
Your tax credit pays the rest of the benchmark Silver plan’s premium. Choosing a plan that costs less than the benchmark lowers your monthly payment further.
From January 1, 2027, these savings are limited to U.S. citizens, green card holders, Cuban/Haitian entrants and COFA migrants. See who qualifies
This is only an estimate, not an offer or an eligibility decision. Your actual credit depends on plan prices in your county, your ages, your eligibility and the Marketplace's decision. See the full calculator.
How it works
How we help, in 3 steps
- 1
Tell us about your household
By phone, by text, with Alex or with a two-minute form: household size, estimated income, ZIP code, doctors and prescriptions.
- 2
We compare your options
We check whether you qualify for tax credits and compare premiums, deductibles, networks and drug coverage, in plain language.
- 3
We enroll you and stay with you
With your permission we submit the application, help with any documents and stay your contact all year.
Why families choose us
Licensed, local and on your side
- Same premium, with or without an agent. Marketplace premiums are the same whether you enroll on your own or with a licensed agent. Insurance companies pay agents.
- In your language. We work with families in English and Spanish, so nothing gets lost in translation.
- A private agency, not the government. You can always apply directly at HealthCare.gov or by calling 1-800-318-2596. We're here if you'd like a licensed professional on your side.
- With you all year. Income changed, a new baby, or a letter from the Marketplace? We help after you enroll, too.
L116417
- Agency NPN
- 20226442
- Licensed agent
- Awadrey A. Delgado
- Florida agent license
- W722586 · NPN 19813873
- Office
- Hialeah, Florida
All of Florida
From Hialeah, serving all of Florida
Most of our clients live in Miami-Dade, Broward and Palm Beach, and we help families in the rest of Florida by phone or online. You can also visit our Hialeah office by appointment. See what's changing in 2027 in your city:
Live somewhere else in Florida? We can help you too.
From Tampa and Orlando to Jacksonville and the Keys, we do everything by phone and online, with the same care.
2027 guides
Simple guides for 2027
Marketplace rules changed for 2027. Here's what that means for your family.
Open Enrollment 2027: dates and steps
What to do before December 15, and why you shouldn't rely on automatic renewal.
Read the guide2027 immigration status changes
Who can get tax credits starting January 1, 2027.
Read the guideCigna is leaving Florida's Marketplace
What members need to do to pick a new plan in time.
Read the guide2027 enrollment guide (PDF)
Dates, documents and steps to print or share with your family.
Open the PDFQuestions
Frequently asked questions
When can I sign up for 2027 health coverage in Florida?
Open Enrollment for HealthCare.gov plans runs from November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1; if you enroll between December 16 and January 15, coverage starts February 1. Outside those dates you generally need a qualifying life event, such as losing other coverage, moving, getting married or having a baby, to enroll.
Does it cost more to use an insurance agent?
No. Marketplace premiums are the same whether you enroll on your own or with a licensed agent. Insurance companies pay agents.
Will I qualify for financial help in 2027?
It depends mainly on your expected 2027 household income, your household size, and whether you can get affordable job-based coverage, Medicaid or Medicare. Under current federal law, premium tax credits are generally available when household income is between 100% and 400% of the federal poverty level, and starting in 2027 immigration status also affects eligibility. Before you choose a plan, we go over how much help you might get.
Do you help outside Miami-Dade?
Yes, anywhere in Florida, by phone and online. Most of our clients live in Miami-Dade, Broward and Palm Beach, but we help families in every part of the state.
Who is Alex, and who handles my case?
Alex is Arte Insurance's artificial intelligence assistant. Alex answers general questions, takes your details and books a call, any time of day. Alex doesn't decide your eligibility or your plan's price: a licensed agent reviews your case and helps you enroll. If you'd rather talk to a person, just tell Alex.
What information should I have ready?
Names and dates of birth for everyone in your household, Social Security numbers or immigration document numbers for the people applying, your best estimate of 2027 income, details of any current coverage, and a list of your doctors and prescriptions. For your safety, share them with your agent by phone, not by chat.
Is Arte Insurance part of HealthCare.gov or the government?
No. Arte Insurance Corp is a private insurance agency licensed in Florida. We explain your options and help you enroll in plans offered by the insurers we work with. You can always apply directly at HealthCare.gov or by calling 1-800-318-2596.
Ready for 2027? Let's talk.
Get your quote in about two minutes or give us a call. A licensed agent will go over your options with you, with no obligation.
Photos: Raul Angel, Vitaly Gariev, Nathan Dumlao, Kelly Sikkema, Zoshua Colah and Tessa Edmiston on Unsplash. The people shown are illustrative; they are not Arte Insurance clients or staff.