Affordable ACA Health Insurance for You and Your Family

At Octus Financial, we believe everyone deserves health insurance that’s affordable and reliable. That’s why we’re here to guide you through the Affordable Care Act (ACA) marketplace to find a plan that fits your life and budget in Florida. As independent agents, we compare plans from top carriers to deliver personalized coverage just for you—no one-size-fits-all solutions!

Why Choose ACA Health Insurance?

ACA plans, often called Obamacare, make quality healthcare accessible for everyone. Whether you’re a postal worker, retiree, or freelancer, these plans protect you and your loved ones with comprehensive benefits. Here’s what you get:

• Comprehensive Coverage: Includes doctor visits, hospital care, prescriptions, maternity, mental health, and more, so you’re covered for life’s unexpected moments.
• Subsidies Save Money: Over 90% of Floridians qualify for premium tax credits, reducing monthly costs—some plans are even $0/month!
• No Health Barriers: Pre-existing conditions? No problem—ACA plans cover you regardless of your health history.
• Plan Options: Pick from Bronze, Silver, Gold, or Platinum plans to match your healthcare needs and budget.

How We Make It Easy

At Octus Financial, we’re not tied to one insurance company, so we shop trusted carriers like Florida Blue, Ambetter, and Molina to find your perfect plan. Here’s how we help:

• Tailored Recommendations: We evaluate your needs, budget, and subsidy eligibility to find the best coverage.
• Simple Enrollment: We guide you through HealthCare.gov during Open Enrollment (November 1–January 15) or Special Enrollment Periods, handling all the details.
• Year-Round Support: From plan updates to subsidy adjustments, we’re here to keep your coverage seamless.
• Complete Financial Planning: Pair your ACA plan with retirement or life insurance for total peace of mind, especially for APWU members.

Who’s It For?

ACA plans are ideal if you:

• Are an APWU member or retiree not on FEHB.
• Work for yourself or in the gig economy.
• Need coverage for a spouse or child not on an employer plan.
• Want quality insurance without employer-sponsored options.

Take the First Step

Ready to get affordable, reliable health insurance? Let Octus Financial find the ACA plan that keeps you healthy and your wallet happy. Schedule a free consultation today!

Book Your Free Consultation

Or reach out at 321-567-1958 or support@octusfinancial.com to explore your options. Don’t miss Open Enrollment—your perfect plan is waiting!

ACA-Compliant Health Insurance for Your Business

At Octus Financial, we know offering health insurance is a big step for your business. That’s why we help Florida employers like you provide ACA-compliant group health plans that keep employees happy, save money, and ensure compliance. As independent agents, we shop multiple carriers to deliver plans that fit your budget and goals.

Why Offer ACA-Compliant Health Insurance?

The Affordable Care Act (ACA) sets high standards for employee health plans, offering benefits that make your business thrive. Here’s how:

• Win Top Talent: Quality health benefits attract and retain great employees, reducing turnover and boosting morale.
• Save with Tax Credits: Small businesses (fewer than 25 employees) may qualify for the Small Business Health Care Tax Credit, covering up to 50% of premiums.
• Stay Compliant: Avoid penalties by meeting ACA requirements, especially for Applicable Large Employers (50+ full-time employees).
• Healthy Workforce: Comprehensive plans cover preventive care, hospital stays, and mental health, keeping your team productive.

How We Help Your Business

We compare plans from top carriers like Florida Blue, Cigna, and Molina to create group health insurance that works for you. Here’s what we offer:

• Custom Plans: We design coverage that balances cost and benefits, tailored to your business size and employee needs.
• Tax Credit Support: Our eligibility checklist helps you determine if you qualify for tax credits and maximize savings.
• Compliance Made Easy: We ensure your plans meet ACA mandates, including reporting for large employers.
• Streamlined Process: From enrollment to renewals, we handle the details so you can focus on running your business.
• Full Benefits Package: Add retirement plans, life insurance, or HRAs for a comprehensive employee benefits strategy.

Who Benefits?

ACA-compliant group plans are perfect for:

• Small businesses looking to offer affordable benefits.
• Large employers (50+ employees) needing ACA compliance.
• Companies wanting to stand out in competitive hiring markets.

Check Your Eligibility

Not sure if your business qualifies for tax credits or needs ACA-compliant plans? Our free eligibility checklist takes minutes to complete and shows your savings potential.

Download Eligibility Checklist

Want more details? Our marketing flyer for business owners explains how ACA plans can elevate your benefits package.

Download Our Flyer

Let’s Get Started

Ready to offer health insurance that strengthens your business? Octus Financial is your partner for cost-effective, compliant solutions that keep your employees healthy and happy.

Book Your Free Consultation

Or contact us at 321-567-1958 or support@octusfinancial.com to discuss your business’s health insurance needs. Let’s build a healthier, happier workforce together!