INSURANCE MADE CLEAR
Life is full of decisions. Your coverage shouldn’t be a confusing one. Get personal guidance for you, your family, and your next chapter.
English & Español • Florida & Texas
COVERAGE FOR REAL LIFE
Start with your needs. We’ll help you understand the options, the costs, and the details that matter.
Compare individual and family health plans. Understand premiums, deductibles, available savings, and enrollment options.
Health coverage guidance for independent contractors, entrepreneurs, and small-business owners who need individual or family coverage.
Talk about this coverageExplore protection for the people who depend on you, with a conversation about your goals, budget, and stage of life.
Talk about this coverageMake sense of the next step. Ask about Medicare education and available assistance, subject to licensing and carrier appointments.
Talk about this coverage2027 COVERAGE UPDATES
Important dates and practical guidance for your next coverage review. Obamacare in Florida and Texas. Medicare guidance in Miami-Dade and Broward.
FLORIDA + TEXAS
Nov 1, 2026 – Jan 15, 2027
Health coverage for individuals, families and people who work for themselves.
Have identification, applicable immigration documents, estimated 2027 income, tax-household information, any employer coverage offer, and your doctor and medication list ready for your review.
ACA plans cover pre-existing conditions. If eligible for cost-sharing reductions, a Silver plan can lower deductibles and copays. Adult dental may require separate coverage.
Pay the first premium on time. Savings depend on eligibility; update income and household changes during the year. Starting with tax year 2026, all excess advance premium tax credit must be repaid when reconciled on Form 8962.
IMPORTANT ELIGIBILITY UPDATE
Changes effective January 1, 2027
Some people may lose their subsidy while remaining eligible to buy coverage at full price. Review your eligibility before renewal.
TPS, asylum or refugee status alone may no longer qualify someone for assistance. Cuban/Haitian entrant is a specific immigration category, not nationality alone. Income above 400% of the federal poverty level generally does not qualify for the premium tax credit.
Illustrative monthly example: a $700 premium minus a $650 subsidy leaves $50 to pay. Without the subsidy, the premium is $700. This is an example, not a quote or an average.
If eligible, compare full-price ACA plans and private medical coverage outside the Marketplace, which has no premium tax credit. Supplemental or limited-benefit products do not replace comprehensive health insurance.
MIAMI-DADE + BROWARD
Oct 15 – Dec 7, 2026
Review Medicare Advantage and Part D options for the coming year. Annual-enrollment changes generally take effect January 1, 2027.
Have your Medicare card and Annual Notice of Change ready. Compare the plan’s network, covered prescriptions and out-of-pocket costs.
If you have Medicare and Medicaid, ask whether you qualify for a dual-eligible plan. If you are turning 65, review your initial enrollment period.
Benefits, costs and availability vary by plan, county and eligibility. OTC means over-the-counter items. You must continue paying the Part B premium when applicable. RH Insurance Group is not Medicare or a government agency. Review all options at Medicare.gov.
Information reviewed November 2, 2026. Eligibility and plan benefits require an individual review.
LESS CONFUSION. MORE CONFIDENCE.
You deserve more than a list of prices. We take time to explain how a plan works in everyday life.
Your location, family needs, preferred doctors, and coverage goals shape the conversation.
We review deductibles, out-of-pocket limits, provider networks, and prescription coverage.
Get guidance on enrollment, renewal, and the questions that come after choosing a plan.
Licensed Insurance Broker
English + EspañolMEET YOUR BROKER
RH INSURANCE GROUP brings a personal approach to insurance. Rolando helps individuals, families, and self-employed professionals understand coverage and make informed choices.
Ask questions. Take your time. Get an explanation you can understand, in English or Spanish.
Request a conversationROOTED IN SOUTH FLORIDA. HERE FOR YOU.
Bilingual ACA guidance for Florida and Texas, with attention to the plans and provider networks available in your ZIP code.
Serving Miami-Dade, Broward, and clients throughout Florida.
Helping individuals, families, and self-employed clients across Texas.
Phone and online consultations by appointment.
Plan availability and assistance depend on your county, eligibility, licensing, and carrier appointments.YOUR EXPERIENCE MATTERS
We welcome honest feedback about your experience with RH INSURANCE GROUP. Your questions and feedback help us make insurance easier to understand.
Ask us for the RH INSURANCE GROUP Google profile.
Request our Google review link ↗Yes. We provide personal service in English and Spanish. Choose your preferred language when requesting a conversation.
Yes. Our ACA guidance serves Florida and Texas. Available plans and provider networks depend on your ZIP code and county. Product availability and assistance are subject to licensing and carrier appointments.
Certain life changes, such as losing qualifying health coverage, getting married, or having a baby, may qualify you for a Special Enrollment Period. Eligibility and documentation depend on the situation. We can help you review the next step.
Networks and drug formularies vary by plan and may change. Before enrolling, we help you review your providers and prescriptions using current plan information. Confirm details with the insurer and provider.
Self-employed people can explore individual and family Marketplace coverage. Savings depend on eligibility and household information, including expected annual income. We can help you understand what information is needed.
Have your ZIP code, current coverage information, preferred doctors, medication names, and general coverage goals ready. Do not send Social Security numbers, immigration documents, banking details, or medical records through this website or ordinary email.
YOUR NEXT STEP
Tell us how we can help and when you prefer to talk. We’ll use your request to coordinate a conversation.
English & Español
Florida & Texas
An appointment request; your time is confirmed by the broker.
Email us directly ↗