Coverage That Fits Your Life.
Confused by the Marketplace? We help you compare plans, unlock subsidies, and enroll in coverage that fits your health and your budget.
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About Health Insurance
Health Insurance in Hialeah & South Florida
Choosing a health plan shouldn't require a degree in insurance. Between premiums, deductibles, networks, and subsidies, the Marketplace can feel overwhelming — and the wrong choice can cost you thousands. Kapital Insurance Group makes it simple and free to get expert help.
Our bilingual team helps you compare ACA Marketplace plans, check whether you qualify for premium subsidies, and enroll in coverage that includes the doctors and benefits you need. We guide individuals, families, and the self-employed through every step.
Why choose us
The Kapital advantage on health insurance
Maximize your subsidy
Many people qualify for tax credits that dramatically lower premiums — we make sure you don't leave money on the table.
Compare plans clearly
We translate deductibles, networks, and copays into plain language so you can choose with confidence.
Self-employed friendly
Tailored guidance for freelancers, gig workers, and small business owners without employer coverage.
Free, no-pressure help
Our enrollment assistance is free — we're here to help you find the right fit, not upsell you.
What's covered
Coverage options built around you
We tailor your policy to your real needs — never more than you need, never less than you should have.
ACA Marketplace Plans
Individual and family plans across Bronze, Silver, Gold, and Platinum tiers, with subsidy eligibility checks.
Short-Term Medical
Temporary coverage to bridge gaps between jobs or enrollment periods.
Supplemental Plans
Dental, vision, accident, and critical illness coverage to fill out your protection.
Self-Employed Coverage
Plan guidance built for freelancers and small business owners.
Questions, answered
Health Insurance — frequently asked questions
Common questions about health insurance in Florida, answered by our local team.
Open Enrollment typically runs in the fall, but major life events — losing coverage, moving, marriage, or a new baby — open a Special Enrollment Period. We'll let you know if you qualify to enroll now.
Based on your household size and income, you may qualify for premium tax credits that lower your monthly cost — sometimes substantially. We calculate your eligibility before you enroll.
No. Our health insurance guidance and enrollment assistance are free to you — we're compensated by the carriers, not by you.
Loved by South Florida
Hundreds of neighbors, one trusted advisor
Here's what real clients say about working with Jenisffer and the Kapital team.
“Jenisffer saved me over $90 a month on my car insurance and explained everything in Spanish. The whole thing took fifteen minutes and I had my ID cards the same day. I've already sent my whole family to her.”
Maria G.
Hialeah · Auto Insurance
“I run a small delivery business and needed certificates fast to land a new contract. Kapital had everything ready within an hour. Professional, quick, and they actually answer the phone.”
Carlos R.
Doral · Commercial Auto Insurance
“Florida home insurance was stressing me out until I called Kapital. They found me a better policy for less and walked me through my hurricane deductible so I finally understood it. Highly recommend.”
Yanet P.
Miami Lakes · Home Insurance
Bundle & save
Related coverage
Combining policies with one agency is one of the easiest ways to lower your total cost.
Life Insurance
Lock in affordable life insurance that replaces income, pays off debt, and gives your family security — for less than most people expect.
Get a quoteBusiness Insurance
From a food truck to a 50-person shop, we build coverage around how your business actually runs — and keep your certificates ready when clients ask.
Get a quoteAuto Insurance
We compare Florida's top auto carriers in one quick call so you stop overpaying — full coverage, liability, and SR-22 made simple.
Get a quoteHome Insurance
Florida homeowners insurance is complicated — wind, flood, and roof rules change fast. We make it simple and find you the strongest coverage for less.
Get a quoteReady for better health insurance?
Compare top carriers in minutes and start saving today. Free, no-obligation, and bilingual.
Free & no obligation · Takes about 2 minutes · Hablamos español