Shop the coverage and rates that are right for you
Get Insurance Anywhere Logo
Get Insurance Anywhere Header
Request An Affordable Care Act Quote!
Call today for quotes
on health insurance
for Medicare beneficiaries
or any other type of
health or life insurance!
Medicare Beneficiaries:
877-734-3884 (TTY: 711)
All Other:
786-970-0740 (CELL)
Request An Affordable Care Act Quote!
Call today for quotes on health insurance for
or any other type of health or life insurance!

877-734-3884 (TTY: 711)

All Other:
786-970-0740 (CELL)

Gap Plans

Gap Plans

Gap plans are designed to lower the out-of-pocket maximum of an Affordable Care Act plan (you must have an Affordable Care Act plan to qualify), and the InPocket plan (a newly introduced gap plan that is available from the Morgan-White Group) is available to purchase for anyone up to age 64. The plan automatically renews each calendar year and can be kept until the first of the month a person turns age 65.

The InPocket plan works as a secondary plan to an Affordable Care Act plan. Providers are instructed to submit claims to both the primary Affordable Care Act carrier AND the InPocket plan.

The least expensive Affordable Care Act plans (Bronze and Silver) have very high out-of-pocket maximums, but purchasing Gold or Platinum plans (which have lower out-of-pocket maximums) can be cost-prohibitive. Purchasing an InPocket gap plan is an excellent way for those who don’t qualify for Silver Level Cost Sharing Reduction plans to lower their out-of-pocket maximums. Coverage for office visit copays (or professional fees in a doctors’ office or medical clinic), outpatient prescription drugs, and charges for services not covered in the Affordable Care Act plan are not included in the InPocket plan.

The InPocket plan is a separate plan from an Affordable Care Act plan and has its own deductible and out-of-pocket maximum. There is an individual deductible (there’s a choice of a $1,000, $1,500 or $2,000 deductible) and a family deductible which is 2 times the individual deductible. There is also a choice of two different out-of-pocket maximums ($4,000 and $6,000) to choose from, and plans can be bought for subscriber only, subscriber and spouse, subscriber and child(ren), or the entire family. These plans are guaranteed issue (i.e., there are no pre-existing condition limitations), which is how Affordable Care Act plans also work. Once the Affordable Care Act plan (the primary plan) pays, the InPocket plan then pays. You must meet the InPocket plan deductible, and then the plan pays 100% of all expenses covered by your Affordable Care Act plan—excluding professional fees in the doctor’s office or medical clinic and outpatient medications-- up to the out-of-pocket maximum for the InPocket plan.

Even if your ACA plan has a deductible, the InPocket plan will pay for covered medical expenses not paid for by the ACA plan once you meet the deductible for the InPocket plan. [Professional fees in the doctor's office or medical clinic (including copays) and outpatient medications are excluded from coverage under the InPocket plan.]

As an example, if you have an Affordable Care Act plan with a $9,450 individual out-of-pocket maximum (the maximum individual deductible permitted by the Affordable Care Act for 2024) and you choose an Inpocket plan with a $1,000 deductible and $6,000 out-of-pocket maximum, in effect you’re reducing your out-of- pocket maximum to $4,450 (i.e., $9,450 less $6,000 plus the $1,000 deductible), even if your ACA plan includes a deductible. Remember that professional fees in the doctor’s office or medical clinic and outpatient medications are excluded from InPocket plans.

The effect of the InPocket plan is to lower your total out-of-pocket (OOP) maximum for covered medical expenses from the out-of-pocket maximum of your Affordable Care Act plan.

The plan is available in Florida (which previously did not permit offering Gap plan coverage), about 20 other states, and will be made available in additional states as plans are approved by state insurance commissions. Contact us at 786-970-0740 to determine if an InPocket plan is or will soon be available in your state.

See this brochure that explains more about how this plan works: When you open the link we suggest you access the link that contains the two-minute video explanation.

How To Enroll

You can enroll in an InPocket plan by going to, entering your zip code and date of birth, and clicking the Medical icon underneath “View Quote.” Also, enter whether you want your spouse and/or children covered, requested effective date (you can buy a plan up to midnight Central time on the 20th of a month for the first of the following month, and you can also buy with an effective date for any of the three succeeding months).

There is a one-time $35 enrollment fee. If you also want to purchase one of the other plans listed on the site (Dental, Vision, Identity, and/or Telemed) you can do so on this site and avoid separate enrollment fees for the other plans. If you want help in enrolling or have any questions, please call us at 786-970-0740.

Schedule For 2024
Affordable Care Act Enrollment

Affordable Care Act open enrollment began November 1, 2023 and ends January 15, 2024 on the Federal Facilitated Marketplace (

You do NOT need a Qualifying Life Event to enroll and there are no pre-existing condition limitations.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.

2024 Annual Enrollment Period For Medicare Eligibles

The Annual Enrollment Period for Medicare-eligibles runs from October 15 through December 7, 2023 for a January 1, 2024 effective date.

Otherwise, you’re eligible to enroll ONLY if you’re first becoming eligible for Medicare or are eligible for another type of enrollment period. Enrollment rules differ between Medicare Supplement plans and Medicare Advantage, Medicare Advantage Prescription Drug, and separate Medicare drug coverage (Part D).

Call us at 877-734-3884 (TTY: 711) for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare-eligibles. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare-eligibles section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

More choices
Lower rates!
Calculate your health Insurance cost!
Get Rates & Plans
Or call today!
877-734-3884 (TTY 711)