Michael D'Angelo helps individuals, families, and business owners across South Florida — from Stuart and the Treasure Coast down through Palm Beach County to Miami-Dade — find the right health and life insurance, without the complexity or the sales pressure.
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As an independent broker, I work for you — not the insurance companies. That means comparing dozens of plans across top carriers to find the right fit at the right price.
Individual, family, and ACA marketplace plans tailored to your health needs and budget. Includes dental and vision options.
Request a Quote →Term, whole, and universal life policies that protect your family's future and build lasting financial security.
Request a Quote →Competitive health and life benefit packages for small and mid-size businesses. Attract and retain top talent with the right coverage.
Request a Quote →No quotas. No commissions tied to specific carriers. I compare plans across 30+ insurance companies to find what actually works for you.
No two families or businesses are the same. Your plan starts with your needs, your budget, and your goals — not a pre-packaged option.
Your coverage needs change over time. I conduct annual reviews and am available year-round — not just at enrollment time.
"Michael saved our family thousands annually and made the whole process effortless. He explained every option clearly and never once pushed us toward something we didn't need."
"As a small business owner, I needed group benefits that would actually compete with larger companies. Michael found us a plan that boosted our team's morale — and fit our budget."
"I had no idea how to navigate life insurance after having kids. Michael walked me through everything with zero pressure and set up a policy that gives me real peace of mind."
For over three years, I've helped individuals, families, and business owners navigate the often confusing world of health and life insurance. My approach is simple: listen first, then find the solution that truly fits — not the one that pays the highest commission.
As an independent advisor, I'm not beholden to any single insurance company. That independence is your advantage — I work across the market so you don't have to.
Plan availability, provider networks, and premiums change county by county in Florida. A plan that fits in Martin County may not even be offered in Miami-Dade. Pick your area for what's actually available where you live — if you're self-employed in Broward County, start there, or if you're moving here from another state, start there instead. Still up north? I'm licensed in Pennsylvania too and write plans across Philadelphia and the surrounding counties.
Coverage for the Treasure Coast — Stuart, Jensen Beach, Palm City, Hobe Sound, and Port St. Lucie. Heavy demand here from retirees bridging the gap to Medicare, and from marine trades, charter captains, and contractors who need individual plans instead of group benefits.
Serving West Palm Beach, Palm Beach Gardens, Jupiter, Wellington, and Boynton Beach. My busiest market for realtors, mortgage professionals, and owners of small firms weighing group benefits against reimbursing individual plans. Looking specifically for life insurance in Palm Beach County?
Fort Lauderdale, Hollywood, Pompano Beach, Plantation, Coral Springs, and Pembroke Pines. Written for Broward's 1099 workforce — marine trades and yacht crew along Marina Mile, roofers and HVAC techs, salon and studio owners, hospitality staff working season to season, and anyone still paying COBRA out of habit.
Coverage across Miami, Miami Beach, Coral Gables, Doral, and Kendall. Built for the 1099 economy — content creators, independent contractors, rideshare drivers, and medical practice owners who lost employer coverage when they went out on their own.
Your old plan stops working at the state line, and a permanent move opens a special enrollment window — you don't have to wait for November. See how to keep the doctors you already have, in Florida and back home.
I'm licensed in Pennsylvania as well as Florida, and I write plans on Pennie for Philadelphia, Bucks, Montgomery, Delaware, and Chester counties — built for the self-employed, 1099 earners, people between jobs, and anyone aging off a parent's plan.
Don't see your city? I'm licensed throughout Florida and Pennsylvania — send me a message and I'll tell you what's available at your ZIP code.
Florida uses HealthCare.gov, so the calendar below is the one that applies here. Outside these dates, you generally need a qualifying life event to start or change an individual plan — which is why the difference between enrolling on December 14 and December 16 can cost you a full month of coverage.
2027 plans, premiums, and provider networks go live. You can enroll for the first time, switch carriers, or change metal tiers — no qualifying event needed.
Last day to pick a plan that starts January 1, 2027. Treat this as your real deadline — waiting means a gap month with no coverage or a month on a plan you already decided to leave.
New premiums, deductibles, and networks take effect. If you did nothing, you were likely auto-renewed — often into a plan whose price or doctor list changed since last year.
The window closes. Anything selected between December 16 and this date starts February 1. After January 15, enrollment requires a qualifying life event.
A qualifying life event opens a Special Enrollment Period, usually 60 days from the date of the event. Most people who think they're stuck until November actually aren't.
Dates reflect the federal HealthCare.gov schedule confirmed for the 2027 plan year and can change. Message me or call (561) 316-7895 and I'll confirm what applies to your ZIP code and situation. Group and employer plan dates are set by the employer, not this calendar.
The questions I field most often from self-employed clients, 1099 earners, and small business owners across South Florida. If yours isn't here, ask me directly — there's no charge for a conversation.
Nothing. My compensation comes from the insurance carrier when a policy is issued, and it's already built into the premium. The same plan costs the same whether you buy it through me or enroll yourself on HealthCare.gov.
The difference is that I compare across carriers, handle the paperwork, and pick up the phone when a claim or billing problem comes up a year later.
Most self-employed clients land on an ACA marketplace plan, where the premium tax credit is based on your projected household income for the coverage year, your ZIP code, and how many people are on the plan. Depending on the household, a spouse's employer plan, a small group plan, or a combination of coverage can work out better.
Because 1099 income moves around, projecting it well matters. Estimate too low and you repay part of the credit at tax time. That's a conversation worth having before you enroll, not in April.
Often, yes. A qualifying life event — losing job-based coverage, moving to Florida, marriage, a new baby, or turning 26 — opens a Special Enrollment Period that generally runs 60 days from the event.
The clock is short and documentation is usually required, so reach out as soon as you know a change is coming rather than after the fact.
The expanded premium tax credits that had been in place through 2025 lapsed, and subsidy calculations reverted to the original ACA formula. For a lot of households — especially higher earners who had been helped by the removal of the old income cap — that meant a noticeably larger share of the premium. Congress has continued to debate restoring them.
Rather than guess at where the rules stand for your situation, send me your ZIP code, ages, and projected income and I'll run the actual numbers as they apply when you enroll.
It's worth twenty minutes. Carriers change premiums, deductibles, drug formularies, and provider networks every January. Auto-renewal keeps you covered, but it doesn't check whether your doctor is still in network or whether a different plan now costs less for the same benefits.
Often, but never assume it. Networks in South Florida vary sharply between carriers and even between plans from the same carrier, and they change year to year.
Give me the names of the doctors and any prescriptions you want to keep, and I'll check them against each plan's network and formulary before you commit.
No. I focus on individual and family health plans, life insurance, and group benefits for people under 65. If you're approaching Medicare eligibility, I'm glad to point you toward a specialist who handles it properly.
If you're retiring early and need to bridge the gap to 65, that's very much in my lane.
Your ZIP code, the date of birth for everyone who needs coverage, whether anyone uses tobacco, and a realistic estimate of household income for the coverage year. Add any must-keep doctors or medications and I can narrow the field quickly.
That's usually a fifteen-minute call, and you'll leave it knowing your options whether or not you enroll through me.
Still have a question? Send it over or call (561) 316-7895 — no obligation, and I'll give you a straight answer either way.
A free, no-pressure consultation takes 15 minutes. You'll walk away with clarity — whether you choose to work with me or not.
Fill out the form and I'll reach out within one business day to schedule your free, no-obligation consultation.