Obamacare, supplemental and life insurance
Miami is different.
Your insurance should be too.
We find you Marketplace coverage, supplemental plans and life insurance that fit how you actually live, with an agent who speaks your language and knows your neighborhood. Serving Florida, Georgia, the Carolinas and Texas.
- 15 years serving families
- Licensed in 5 states
- English and Spanish
- No cost to you
Free consultation. We never charge you a fee: we are paid by the carrier.
Free quote in 2 minutes
Tell us a little about you and a licensed agent gets back to you within 24 hours.
For business owners
Paying for a group health plan that keeps going up?
There is a legal alternative called ICHRA. Instead of buying one group plan for everyone, you give each employee a fixed monthly allowance and they choose their own coverage. You control the cost, they get a plan that actually fits them. It works from two employees upward.
- You set the budget, not the carrier
- No minimum participation requirements
- Different allowances by employee class
Where we work
From Miami-Dade to Atlanta, we know the local plans
Health plans are not national. Networks, carriers, subsidies and enrollment rules change from one state to the next, and inside Florida they change from one county to the next. We quote you on what is actually available where you live.
Florida
Our deepest market. Marketplace plans, supplemental coverage and year round support across all 67 counties, with special focus on Miami-Dade and Broward.
Georgia
Atlanta metro and beyond, where plan networks vary sharply between urban and rural counties and picking the wrong network is the most common mistake.
North Carolina
Charlotte, Raleigh and the Triangle, including households where one spouse has employer coverage and the other does not.
South Carolina
Coverage for families and self employed workers in a state where subsidy eligibility often surprises people who assumed they earned too much.
Texas
Houston, Dallas and San Antonio, with one of the highest uninsured rates in the country and the widest spread between the cheapest and the right plan.
Miami-Dade, neighborhood by neighborhood
We know your area, not just your zip code
Health coverage in Miami is not one size fits all. What works for a self employed professional in Brickell rarely fits a family of five in Hialeah. We quote and explain your options based on where you actually live and work.
Brickell
Marketplace and supplemental plans built for self employed professionals and 1099 consultants with income that changes month to month.
Doral
Small business owners and their teams, including group alternatives like ICHRA when a traditional group plan costs too much.
Hialeah
Working families who need the highest subsidy they qualify for, explained in Spanish, without the runaround.
Kendall
Family plans with pediatric and dental coverage that actually holds up when the whole household needs it.
Coral Gables
Business owners and established professionals comparing Marketplace, private and supplemental coverage side by side.
Homestead
Seasonal and agricultural workers with irregular income, where enrollment timing changes what you pay all year.
Little Havana
First generation families and small business owners, walked through the paperwork step by step, in your language.
North Miami
Households juggling more than one job, where a supplemental plan often covers the gap the Marketplace leaves open.
We serve every corner of Miami-Dade in English and Spanish. If your neighborhood is not listed, call us anyway: we cover the whole county.
You do not have to wait for Open Enrollment
Seven life events that let you enroll today
Most people believe that if they missed Open Enrollment, they are locked out until next year. That is not true. A qualifying life event opens a Special Enrollment Period, usually for 60 days from the day it happens. If any of these happened to you recently, you can still get covered.
You lost your job or your coverage
Losing employer coverage, whether you quit or were let go, opens a Special Enrollment Period. COBRA is rarely your cheapest option.
You moved
A permanent move to a new zip code, county or state changes which plans you can buy, and it opens enrollment for you.
You got married or divorced
Marriage lets you build a household plan. Divorce or legal separation often means losing coverage you were on.
You had a baby or adopted
A new child qualifies the whole household, and coverage can be backdated to the date of birth or placement.
You turned 26
Aging off a parent plan is one of the most common gaps we fix, and one of the easiest to miss.
Your income changed
A raise, a loss of hours or a switch to self employment changes the subsidy you qualify for, sometimes dramatically.
You became a citizen or got status
Newly eligible immigration status opens a Special Enrollment Period that many people never hear about.
Not sure if you qualify? Tell us what changed and we will confirm it in one call, free.
Coverage with a pre-existing condition
You cannot be denied. The question is which plan is right for your condition
Under the Affordable Care Act, no Marketplace plan can deny you coverage, charge you a higher premium, or refuse to treat your condition because you already have it. That is true for every condition on this page. What actually changes from plan to plan is three things: whether your specialist is in the network, whether your medication is on the drug list, and how high your out of pocket maximum goes in a bad year. Picking wrong on any of those three is what makes people say insurance is unaffordable.
Diabetes
The plan has to cover your insulin or GLP-1 at a tier you can actually pay, include an endocrinologist in network, and cover test strips, pumps and continuous monitors as supplies rather than as pharmacy.
Heart conditions and pacemakers
After a heart attack, a stent, an ablation or a pacemaker, the deciding factor is whether your cardiologist and your hospital are in network, and how cardiac rehab and device checks are billed.
Cancer and survivors
Oncology is where narrow networks hurt most. If the cancer center you trust is out of network, the cheapest premium becomes the most expensive plan you could have bought.
Autoimmune conditions
Lupus, rheumatoid arthritis and Crohn’s usually come down to biologics. Those drugs sit on specialty tiers, and the difference between two plans can be thousands of dollars a year for the same prescription.
Asthma and COPD
Inhalers are priced very differently across plans. We check your exact maintenance and rescue inhalers against each formulary before recommending anything.
Parkinson’s and neurological conditions
Movement disorder specialists are scarce and often concentrated in a few centers. Network access matters more here than the monthly premium.
Mental health and addiction
Coverage is required by law, but the real question is how many therapists and psychiatrists are actually accepting new patients in that network, and what teletherapy costs you.
Obesity and weight management
Coverage for GLP-1 medications varies enormously between plans and changes every year. This is one of the most common reasons people end up paying out of pocket unnecessarily.
Kidney disease and dialysis
Dialysis center access and nephrology coverage drive this decision, along with how the plan coordinates with Medicare if you become eligible.
Pregnancy and maternity
Maternity care is a required benefit on every Marketplace plan, but the hospital you plan to deliver at may not be in every network. Pregnancy also opens enrollment options once the baby arrives.
Do not see your condition? Call us anyway. The method is the same for any diagnosis: we check your doctors against the network, your prescriptions against the drug list, and your worst realistic year against the out of pocket maximum.
Life insurance that works while you are alive
Most life policies are never used. Yours does not have to be one of them
Nine out of ten traditional life policies never pay out anything to the person who bought them. An Index Universal Life policy is built differently: it protects your family, and it also builds money you can actually reach before retirement.
It grows without the tax bill
Money inside the policy grows tax deferred, and it can be accessed tax free. A 401(k) does the opposite: you save the tax now and hand a large piece of it back when you retire.
It does not lose when the market does
Growth is tied to an index, with a floor underneath it. You participate when the market goes up, and you do not go backwards when it drops.
You can use it while you are alive
If you are diagnosed with a serious illness, you can access part of the policy to cover treatment and bills. Medical expenses are behind a large share of personal bankruptcies in this country.
It beats leaving it in the bank
A savings account paying under one percent while inflation runs higher is not saving, it is slow loss. This is the alternative for money you will not touch for years.
Who this is for: people who can set aside a few hundred dollars a month, want a retirement plan that does not depend entirely on Social Security, and would rather not hand a third of it to the IRS at the end. We will run your actual numbers before you commit to anything.
Coverage that does not depend on Washington
Supplemental plans, in plain English
Marketplace subsidies are set by federal policy and they can change. Supplemental coverage does not work that way: you own it, it pays you directly, and it fills the gaps your main plan leaves open.
Dental
Cleanings, fillings, root canals and orthodontics. The single most requested add on, because standard health plans cover almost none of it for adults.
Vision
Eye exams, frames, lenses and corrective surgery depending on the plan. Cheap monthly, expensive to skip.
Accident and hospitalization
Pays you cash directly when you are hospitalized or injured, so a deductible does not turn into credit card debt.
Straight answers
The questions people actually ask us
Can I be denied health insurance because of a pre-existing condition?
No. Under the Affordable Care Act, no Marketplace plan can deny you coverage, charge you a higher premium, or refuse to treat a condition because you already have it. What changes between plans is whether your specialist is in the network, whether your medication is on the drug list, and how high the out of pocket maximum goes in a bad year.
Can I get health insurance if I have diabetes?
Yes. Diabetes cannot be used to deny you a Marketplace plan or raise your premium. The plan you choose still matters: it should cover your insulin or GLP-1 medication at a tier you can afford, include an endocrinologist in network, and cover test strips, pumps and continuous glucose monitors as supplies rather than as pharmacy.
Can I still get health insurance if I missed Open Enrollment?
Often yes. A qualifying life event opens a Special Enrollment Period, usually for 60 days from the day it happens. Qualifying events include losing your job or your coverage, moving to a new area, getting married or divorced, having or adopting a baby, turning 26 and aging off a parent plan, a significant change in income, or becoming a citizen or gaining eligible immigration status.
Which states does Calma Insurance serve?
Florida, Georgia, North Carolina, South Carolina and Texas. Florida is our home market, with deep coverage across Miami-Dade including Brickell, Doral, Hialeah, Kendall, Coral Gables, Homestead, Little Havana and North Miami.
What is an Index Universal Life policy?
An Index Universal Life policy is life insurance that also builds cash value you can use while you are alive. Growth is tied to a market index with a floor underneath it, so you participate when the market rises without going backwards when it falls. The cash value grows tax deferred and can be accessed tax free, and if you are diagnosed with a serious illness you can usually access part of the policy to cover treatment.
What supplemental insurance does Calma Insurance offer?
Dental, vision, and accident and hospitalization coverage. These plans do not depend on federal subsidies, which makes them useful both as a complement to a Marketplace plan and as a fallback if subsidy rules change.
Do you offer service in Spanish?
Yes. We work with families in English and Spanish, with the same agent handling your case in whichever language you prefer.
Who can benefit
Are you looking for affordable health and life insurance?
Finding the right health and life insurance is no easy task because of the industry’s complexity, but it yields great benefits. Our service is perfect for those:
Dissatisfied with their current insurance premiums
Uninsured and looking at options
Looking to make the most of their tax benefits
About us
Our insurance experts will help you throughout the whole process
We understand how hard can it be to find the right insurance policy to protect your family because we have experienced it ourselves. Our team understands your situation and will help you find a tailored solution for your needs.
National insurance coverage
15 Years of experience
Our partners
Testimonials
I was overwhelmed by the whole process of finding the right health insurance plan, especially under ObamaCare. Thankfully, I found Lorena who made everything so much easier. Highly recommend!
– Zuri H. – Hialeah, FL
As someone who was new to the concept of ObamaCare, I was fortunate to come across Lia. Their team not only helped me understand the ins and outs of it but also assisted me in selecting the best health and life insurance plan for my family.
– John P. – Miami, FL
I had heard about ObamaCare but wasn’t sure how to use it to get the right insurance for me. This broker came to the rescue! They patiently listened to my concerns, answered all my questions, and presented me with several options. I’m grateful for their support.
– Maria L. – Miami Lakes, FL
Enrolling in ObamaCare was a daunting task for me, and I wasn’t sure where to start. That’s when I found Lia and Lorena. They provided me with top-notch guidance throughout the entire process. I’m so glad I chose them!
– David W. – Atlanta, GA