Affordable Florida Health & Medicare Insurance
Bilingual Insurance Brokerage — Insure With Mercy
Navigating health and life insurance is overwhelming, but you don’t have to do it alone. My team and I are local experts who take the guesswork out of finding the right policy. We focus on one thing: matching individuals and families with affordable, tailored coverage that protects what matters most. Whether it is an ACA health plan, Medicare, or securing your family's future with life insurance, we do the heavy lifting for you.
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Insure With Mercy : Protect Your 
Health. Secure Your Future.
Finding health insurance shouldn't feel like a second job. At Insure With Mercy, we are your dedicated ally in navigating the world of health and life insurance.
Why Trust Us?
- 20+ Years of Experience: Deep insurance expertise to guide your coverage decisions.
- Multiple Carrier Relationships: We work for you, comparing available plans that fit your needs and budget.
- National Producer Number: 8193581. Licensed in FL, TX, GA, NC, SC, AL, TN, AZ, OK.
- Bilingual Support: Clear, confident guidance for South Florida in English or Spanish (Hablamos Español).
Building Trust With Insure With Mercy
We are committed to providing health insurance that safeguards your health, well-being, and financial future.
ACA Health Insurance
Affordable Health Insurance Plans That Work For You. Explore comprehensive coverage and potential premium savings for eligible households.
Why Choose Our Service:
- Licensed Broker Support: Expert guidance from Mercy’s local Miami team.
- Simplified Enrollment: A streamlined, stress-free enrollment process.
- Quote Comparison: Review available South Florida carriers and plans side by side.
Policy Benefits Often Include:
- Subsidized Marketplace Plans: Access Obamacare and financial assistance.
- Preventive Care: Eligible in-network checkups and screenings may be covered without cost sharing.
- Copay Structures: Compare plan-specific costs for services and prescriptions.
- Provider Networks: Check current carrier directories before enrollment.
✓ Review your educational FPL range
✓ Confirm eligibility before enrollment
Medicare Insurance
Compare and Simplify Your Medicare Selection Easily compare top Medicare Advantage, Medigap and Part D plans. Turning 65? Already enrolled? We make the comparison and enrollment process easier to understand.
What We Offer:
- Medicare Advantage (Part C) with Benefits
- Medigap Supplements to Cover Out-of-Pocket Gaps
- Prescription Drug Plans (Part D) to Lower RX Costs
Why Us?
- ✓ Compare top Medicare plans in your specific zip code
- ✓ Expert help with enrollment and plan changes
- ✓ Local Miami support with nationwide carrier reach
- ✓ Schedule a free, zero-pressure consultation
✓ Schedule a free, zero-pressure consultation
Life Insurance
Coverage That Protects What Matters Most. Help protect your family’s financial future, cover final expenses, or build cash value with a reliable life insurance policy tailored to your goals.
Options We Offer:
- Term Life Insurance: Affordable protection for families when they need it most.
- Whole Life: Permanent coverage that builds long-term cash value over time.
- Final Expense: Specialized plans to cover end-of-life costs for residents.
- Simplified Issue: Some products may not require a traditional medical exam; eligibility, approval, and timing depend on carrier underwriting.
Why It Matters:
- ✓ Provide a death benefit that is generally income-tax-free for beneficiaries
- ✓ Create financial protection for your loved ones
- ✓ Compare available premiums, policy terms, and underwriting requirements
The Insure With Mercy Promise:
✓ Personalized life insurance comparisons, zero pressure
Indemnity & Supplemental
Insurance Cash Benefits When You Need Them Most
Supplemental policies may pay fixed cash benefits for covered events, subject to the policy’s eligibility rules, limits, exclusions, and waiting periods.
Coverage For Unexpected Costs:
- Hospital Stays: Some policies include benefits for covered admissions or ICU care.
- Accidents & Injuries: Accident policies may cover listed services and injuries.
- Critical Illness: Eligible diagnoses may trigger a defined policy benefit.
- Cancer Care: Certain policies include benefits for covered cancer treatment.
- Disability: Separate disability policies may replace part of eligible income.
Why Add An Indemnity Plan?
- ✓ May help with eligible costs not paid by major medical coverage.
- ✓ Benefits are paid according to the selected policy’s terms.
- ✓ Can complement major medical coverage when the policies are compatible.
Coverage note:
✓ Compare benefit schedules, exclusions, limits, and waiting periods before applying.
Dental and Vision
Affordable Dental and Vision Coverage
Get dental and vision plans with preventive care designed for your family’s budget.
Benefits Include:
- Eligible cleanings, exams, and diagnostic X-rays
- Plan-specific benefits for basic and major dental services
- Vision options that may include exams, glasses, or contacts
- Some plans offer discount programs for additional services
Why It’s Worth It:
- ✓ Compare preventive and major-service benefit schedules
- ✓ Check current participating provider networks
- ✓ Review effective dates and waiting periods by plan
Before you enroll:
✓ Confirm premiums, annual maximums, exclusions, and waiting periods.
Private & Short-Term Health Insurance
Flexible temporary health coverage for freelancers and gap periods
Ideal For:
- Professionals or students waiting on employer benefits
- Freelancers needing reliable private health insurance
- Eligible temporary residents reviewing limited-duration coverage
Key Advantages:
- Application and effective-date timing varies by carrier and applicant
- Available deductibles and benefit levels vary by policy
- Medical underwriting, exclusions, and coverage limits may apply
- Short-term coverage is not ACA-compliant major medical insurance
International Medical & Travel Insurance
Travel medical options for digital nomads, students, expatriates, and other eligible travelers. Benefits differ by policy, destination, trip length, residency, and visa requirements.
Available Benefits May Include:
- Emergency medical, evacuation, or repatriation benefits
- Eligible inpatient or outpatient care within the policy network
- Separate travel benefits for certain delays or baggage losses
Why Choose This:
- ✓ Compare geographic coverage and current provider-assistance networks
- ✓ Review claim procedures before traveling
- ✓ Confirm the policy satisfies any applicable visa rules
- ✓ Request available proof of coverage when required
Small Business Group Health Insurance
Cost-effective employee benefits for growing teams Equip your staff with top-tier group medical insurance covering hospital visits, preventive screenings, and wellness programs, all designed to fit your local company's specific budget.
Includes:
- Full inpatient and outpatient medical coverage
- Annual wellness exams and preventive screenings
- Maternity and newborn healthcare services
- Flexible dental and vision add-ons
Why Choose This:
- ✓ Budget-friendly plans for teams of 2–50 employees
- ✓ Tax-advantaged health benefits for business owners
- ✓ Strengthen employee retention and workplace morale
- ✓ Seamless digital claims through local South Florida networks
- ✓ Build a custom plan with wellness tracks and extra coverage
2026 ACA Marketplace FPL & Savings Eligibility Estimator
Check your estimated Marketplace Federal Poverty Level (FPL) range and learn which 2026 savings programs may apply. This tool does not calculate a tax-credit dollar amount or make an eligibility decision.
Step 1: Enter Your Household Details
Calculate Results
Enter your household details to view an educational FPL range and the savings programs that may apply.
Plan-Year 2026 Marketplace Federal Poverty Level Reference
| Household Size | 100% FPL (Base) | 150% FPL | 250% FPL (CSR reference) | 400% FPL (general PTC limit) |
|---|---|---|---|---|
| 1 | $15,650 | $23,475 | $39,125 | $62,600 |
| 2 | $21,150 | $31,725 | $52,875 | $84,600 |
| 3 | $26,650 | $39,975 | $66,625 | $106,600 |
| 4 | $32,150 | $48,225 | $80,375 | $128,600 |
| 5 | $37,650 | $56,475 | $94,125 | $150,600 |
Sources and limits: Plan-year 2026 Marketplace premium tax credit ranges use the 2025 HHS poverty guidelines. The IRS Premium Tax Credit guidance explains the general 100%–400% range for 2026. Medicaid uses current guidelines and state-specific rules. Actual Marketplace eligibility and credit amounts require a full application and local benchmark-plan data.
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Customer Reviews
See what our clients say about finding affordable health, Medicare, and life insurance plans with us.
Average Rating
Based on 175+ client reviews
"I worked with Mercy and she was incredibly helpful and responsive in meeting my Medicare-related needs. She explained my options and process and then helped me to navigate through the selection and signup. I highly recommend her for assistance with Medicare insurance."
Steve L.
Verified Client
Why Trust Our Insurance Guidance?
- Coverage Guidance – Compare options for you and your loved ones.
- Preventive Care – Review eligible preventive services a plan covers without cost sharing.
- Personalized Options – Compare coverage for different stages of life.
- Responsive Support – Get help during our posted business hours.
- Licensed Guidance – Review options for your needs and budget.
Contact Our Insurance Team
- Office: (954)-817-4852
- Direct: (954)-815-6692
- Email: mercy@insurewithmercy.life
- Hours: Mon–Sat, 9am–8pm ET
- Service: Licensed in FL, TX, GA, NC, SC, AL, TN, AZ, and OK