Looking for an ACA / Obamacare health insurance agent in Orlando, FL? Instant Health Help is a licensed health insurance agency based in Orlando and Kissimmee. Our agent, Lobsang Rivas (NPN 18838086), helps Orlando and Orange County residents compare Health Insurance Marketplace plans for their ZIP code, household, doctors, and prescriptions, in person in Central Florida, by phone, or online, in English or Spanish. Our help costs you nothing.
We are not an insurance carrier and we are not a government agency. We don’t invent plan names or prices, and we don’t call any plan the “best.” We show you what’s available at your address and explain the trade-offs in plain language.
Service area and contact: Orlando and Orange County, Florida
- Instant Health Help · Based in Orlando and Kissimmee, Florida
- Licensed agent: Lobsang Rivas · NPN 18838086
- Phone: (321) 315-0054
- Email: agent@inshh.com
- Service area: Orlando, Winter Park, Apopka, Ocoee, Winter Garden, Lake Nona, MetroWest, and the rest of Orange County, plus anywhere in Florida by phone and online
- Meetings: In person in Central Florida by appointment
- Hours: Monday–Friday 8 a.m.–5 p.m., Saturday 9 a.m.–3:30 p.m. (Eastern)
- Languages: English and Spanish
Who we help in Orlando
- Self-employed residents, gig workers, and small-business owners buying their own coverage
- Families whose employer plan ended or got too expensive to keep
- People who lost coverage mid-year and may qualify for a Special Enrollment Period
- Households that just moved to Orlando or to a new ZIP code
- Young adults aging off a parent’s plan at 26
- Spanish-speaking families who want every step explained in Spanish
Orlando is in Orange County, and plan menus and doctor networks follow your county and ZIP code. Downtown, College Park, MetroWest, Lake Nona, and the International Drive area can all see different options, so we always start with your address. Live just south of the county line? See our Kissimmee ACA / Obamacare agent page or the Orange County ACA page.
When Orlando residents can enroll
Florida uses HealthCare.gov, the federal Health Insurance Marketplace, so the dates are the same in every Florida county. HealthCare.gov lists open enrollment for next year’s coverage as November 1 through January 15:
- November 1: open enrollment starts. You can enroll, renew, or change plans.
- December 15: last day to pick a plan if you want coverage to start January 1.
- January 15: open enrollment ends. Plans picked December 16 through January 15 start February 1.
Coverage starts only after you pay your first premium. Dates can change, so we confirm them on HealthCare.gov with you. Outside open enrollment you generally need a qualifying life event, such as losing other coverage, moving, getting married, or having a baby, to get a Special Enrollment Period. Those windows are short, so don’t wait.
Full dates and a checklist: Florida open enrollment help. Lost a job? Read job-loss Special Enrollment in Florida.
Marketplace savings, in plain English
Many Orlando households qualify for a premium tax credit that lowers the monthly premium, and some Silver plans add extra savings on deductibles and copays. What you get depends on your household size, your income estimate for the year, and your ZIP code. You may qualify after tax credits; eligibility varies. We never promise a price before we see your details. Background: how Marketplace tax credits work and ACA Bronze vs Silver vs Gold.
What we do (and what we won’t do)
We gather the facts that matter, compare the plans available at your Orlando-area address, and stay on your application as your licensed agent when you enroll through our quote path. We won’t pressure you, guarantee a subsidy amount, or tell you one plan fits every household. If a plan we can’t offer fits you better, we’ll say so.
Have ready: who needs coverage, an income estimate for the year, any coverage end date or termination letter, your preferred Orlando-area doctors and pharmacies, and a list of your medications.
Medicare and Medicaid questions in Orlando
Turning 65 or already on Medicare? Medicare runs on its own calendar, and the Annual Enrollment Period is October 15 through December 7. See our Medicare agent in Orlando page.
We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) to get information on all of your options.
If HealthCare.gov says someone in your home may qualify for Medicaid, the Florida Department of Children and Families (DCF) decides that. We are MyACCESS certified, so we can help you complete the Florida MyACCESS application, but we are not DCF. See Florida MyACCESS help.
Find Instant Health Help on Google
Google Business Profile for Instant Health Help. We are a service-area business: there is no walk-in office address. Open in Google Maps
Talk to a licensed ACA / Obamacare agent in Orlando
Or call (321) 315-0054 · agent@inshh.com · WhatsApp · Hablamos español
¿Prefiere español? Lea esta página en español: Agente de seguro médico en Orlando
Orlando ACA / Obamacare FAQ
Do you have an ACA / Obamacare agent in Orlando?
Yes. Instant Health Help is based in Orlando and Kissimmee. Our licensed agent, Lobsang Rivas (NPN 18838086), helps Orlando and Orange County residents compare Marketplace plans in person in Central Florida, by phone, or online.
Is ACA the same as Obamacare?
Yes. “Obamacare” is the everyday name for health plans sold through the Affordable Care Act (ACA) Marketplace. In Florida that Marketplace is HealthCare.gov.
When is open enrollment in Orlando?
HealthCare.gov lists November 1 through January 15. Pick a plan by December 15 for coverage that starts January 1. Plans picked December 16 through January 15 start February 1.
Do I have to wait for open enrollment if I lost my job in Orlando?
Not always. Losing job-based coverage is a common qualifying life event that may open a Special Enrollment Period. The clock usually follows the date your coverage ends, not your last day at work, so call soon.
Does it cost anything to use Instant Health Help?
No. Our help costs you nothing. If you enroll, the insurance company pays us. We don’t guarantee a price or subsidy amount, because those depend on your household, income, and ZIP code.
Educational content only. Plan availability, networks, and any savings depend on your household, income, and ZIP code. Instant Health Help is a licensed insurance agency. It is not an insurance carrier and is not connected with or endorsed by the U.S. government, HealthCare.gov, the federal Medicare program, or Florida DCF. Official sources: HealthCare.gov and Medicare.gov.