Amazing expirience! The agent is very professional and friendly. Definitely recommend!!
Health Insurance for Nurses in Florida
Help nurses compare their hospital plan with an individual plan. Call or text 813-302-7151.
On this page
Contact us
Phone and WhatsApp
813-302-7151
Email
Rguzman@coveredbyguzman.com
7 months ago
Excellent service and very professional staff. They made the process easy, answered all my questions, and helped me find the right coverage. Highly recommended!
3 months ago
I’ve worked with Ray for years and he’s always reliable and has been able to help my clients in need! I can always count on him to provide the best insurance advice and service
7 months ago
Great service, and always looking out for my commercial insurance. Thank you Ray
3 months ago
Great insurance agent to work with. Ray is the best!
3 months ago
Reviews reflect individual customer opinions and experiences. They do not guarantee specific coverage, pricing, service timing, or claim outcomes.
Nurses take care of everyone else’s coverage questions at work, and their own can still be messy. A staff RN on 12-hour nights may have three employer plan choices. A PRN nurse picking up shifts at two hospitals may have none. A nurse leaving a hospital job for home health or agency work may be trying to keep a specialist and avoid a gap.
We start with the coverage you can get: the plan your hospital or clinic offers you (if any), what it costs for you and your family, and how that compares with an individual Marketplace plan. Your job setup, your household, your doctors and your prescriptions matter more than your title.
We help Florida nurses compare Marketplace plans and review the employer benefit information they bring us. Most reviews happen by phone or video, which is easier to fit around shifts, and we keep helping after enrollment.
Your hospital’s plan vs. an individual Marketplace plan
A hospital or health system plan usually includes an employer contribution toward the premium, its own network and several plan levels. A Marketplace plan has a different network, different costs and its own enrollment dates. Don’t judge either one by the premium alone.
Ask HR for the Summary of Benefits and Coverage, the employee-only premium and the cost to add your spouse or children. If your employer offers you coverage, it can reduce or remove a Marketplace tax credit, depending on its cost and benefits, even if you turn it down. The application asks about it.
Sometimes the employer plan works for the nurse while the rest of the family needs a separate look. Our Marketplace guide explains individual plans, and HealthCare.gov’s page on job-based coverage explains how an offer fits in.
PRN and part-time nurses: uneven shifts, uneven pay
PRN pay swings with the schedule. You may pick up six shifts one week during flu season and one shift the next, or work extra holidays in December and very little in the summer. Some PRN and part-time positions come with benefits once you hit a set number of hours; many don’t. A W-2 alone does not mean you have an employer plan.
Ask the benefits office whether your position qualifies, when coverage would start and what happens if your hours drop. Keep the answer in writing. If no employer plan is offered to you, a Marketplace plan may be the main option.
For the income estimate, add up the wages you expect for the whole year from every hospital, clinic and agency you work for, plus the rest of your tax household. Use year-to-date pay stubs and a realistic guess for your remaining shifts, not your best or worst month.
Example: a PRN nurse in Hillsborough County and her self-employed husband expect about $60,000 of combined income for 2027. $60,000 divided by the 2026 poverty guideline for a household of two ($21,640) is about 277%. That is inside the 100% to 400% range, so if neither of them has an employer offer, they may qualify for a premium tax credit on 2027 coverage. The Marketplace calculates the actual amount.
The 2026 and 2027 numbers for nurses
The premium tax credit is for households with income between 100% and 400% of the federal poverty guideline, and generally only for people who are not offered affordable job-based coverage. The Marketplace uses the prior year’s guideline: 2026 coverage uses the 2025 amounts, and 2027 coverage uses the 2026 amounts. Here is 100% of the guideline for households of 1 to 4.
| Household size | 2025 guideline (2026 coverage) | 2026 guideline (2027 coverage) |
|---|---|---|
| 1 | $15,650 | $15,960 |
| 2 | $21,150 | $21,640 |
| 3 | $26,650 | $27,320 |
| 4 | $32,150 | $33,000 |
Source: HealthCare.gov: federal poverty level. The most a Marketplace plan can make you pay in a year for covered in-network care, not counting premiums, is $10,600 for one person and $21,200 for a family in 2026, and $12,000 and $24,000 in 2027 (HealthCare.gov: out-of-pocket maximum). Compare that with your employer plan’s out-of-pocket limit.
Picking up extra shifts late in the year can push income above your estimate. For tax years after 2025, there is no cap on repaying extra advance credit, so update the estimate when your schedule changes (IRS: premium tax credit questions and answers).
Open Enrollment for 2027 coverage starts November 1, 2026. Enroll by December 15 for coverage that starts January 1, and check HealthCare.gov dates and deadlines for the final end date. We update this page when the new figures are published.
Changing jobs and Special Enrollment
Moving from a benefited staff job to PRN often ends your employer coverage. When job-based coverage ends, you usually have 60 days before or 60 days after the loss to pick a Marketplace plan. The date your insurance ends matters more than your last shift, so get it in writing.
If you lose other coverage and want to join a job-based plan instead, that plan must give you at least 30 days to enroll. A job change that does not end your coverage does not open a Marketplace window, and canceling a plan on your own is treated differently from losing it.
If you are offered COBRA, federal law generally lets you keep the old plan for 18 months, at up to 102% of the plan’s full cost, when the employer has 20 or more employees (U.S. Department of Labor: COBRA). That can be worth it in the middle of treatment. When COBRA ends, you have 60 days to enroll in a Marketplace plan. See our Special Enrollment guide and the HealthCare.gov Special Enrollment rules.
Networks: the hospital where you work may not be in your plan
Working at a hospital does not put that hospital, or every doctor who practices there, in the network of a plan you buy on your own. Employee benefit plans and individual plan networks are separate.
Check your primary doctor, specialists, preferred hospital, labs and imaging centers. For ongoing care, confirm the exact practice and location, not just the health system name. Different clinicians can bill separately for care at the same facility.
We start with the insurer’s current directory and follow up with the insurer or the office when answers conflict. Our provider network article explains how to document what you checked.
Prescriptions, therapy and maternity benefits
You know the medications better than most shoppers, but plan rules still differ. The same drug can sit on a different tier, need prior authorization or use a different pharmacy under a Marketplace plan than under your employer plan. Give us the name, dose and form so we compare the right product.
For therapy, separate mental health counseling from physical, occupational or speech therapy. Networks, authorization rules and visit limits can differ, and couples counseling is often handled differently from medical mental health care.
For maternity, check the obstetrician, the delivery hospital, specialists and how to add the newborn. Being pregnant does not by itself let you enroll midyear; having the baby does. Our pregnancy guide and newborn guide explain the difference. Your clinician decides care, and the plan decides coverage under its terms.
Coverage for spouses and children
Start with the tax household and then identify which members are applying. A spouse's coverage offer, a child's eligibility for a public program and different provider needs can lead to different coverage choices within one family.
The cheapest-looking family premium is not a complete comparison. Look at individual and family deductibles, how the family out-of-pocket limit works and what happens when more than one person needs care. Check each family member's regular medications and providers.
Covered by Guzman does not submit Medicaid or Florida KidCare applications. We direct those questions to Florida KidCare and the state. The Marketplace coverage review for other household members can remain a separate conversation.
Before you leave an employer plan
Confirm the old plan’s end date, whether COBRA is offered and the earliest date a new plan can start. A new plan usually starts a new deductible and out-of-pocket count; don’t assume what you already paid carries over.
If you are in treatment, ask how authorizations, scheduled procedures and refills will be handled, and check your providers again under the new plan. Submitting an application is not the same as having a paid, active policy.
Bring the employer offer, the current benefit summary, your county, expected household income, doctors, medications and any coverage-loss notice. With those, we can compare specific plans for your household.
Frequently Asked Questions
Can a PRN nurse get Marketplace insurance?
Yes. A PRN nurse can buy a Marketplace plan during Open Enrollment or after a qualifying event. Whether you get a tax credit depends on your household income and on any job-based offer you or your spouse has.
Does a W-2 job always include health benefits?
No. The employer’s plan rules decide who can join, and many PRN and part-time positions are not eligible. Ask the benefits office whether your position qualifies and when coverage would start.
Can I get a Marketplace tax credit if I decline my employer plan?
Usually not, if the plan offered to you is affordable and meets minimum value under the Marketplace rules. Turning it down does not remove its effect, so we review the actual offer and its cost.
Will the hospital where I work accept my individual plan?
Not necessarily. Working there does not put the hospital in your plan’s network. Check the exact plan, facility and treating doctors.
Does switching from full-time to PRN let me enroll outside Open Enrollment?
Yes, if the switch ends your job-based coverage; you usually have 60 days before or after the loss to pick a plan. A schedule change that does not end coverage does not open a window.
Are all mental health or therapy services covered?
No. Marketplace plans include mental health benefits, but the specific service, provider, medical necessity, authorization and plan limits decide what is paid. Each type of therapy is checked separately.
Can we review coverage outside normal office hours?
Often, yes. Most reviews are by phone or video, so send your availability and we will find a time that works around your shifts.
This guide is general information, not legal, tax or medical advice. Your plan documents, including the Summary of Benefits and Coverage, control what is covered and what you pay.
About the Author
Raymundo Guzman
I am Raymundo Guzman, a licensed independent insurance agent and the owner of Covered by Guzman. On the health side, I help Florida individuals, families and small businesses compare ACA Marketplace plans, Medicare Advantage and Part D, and dental and vision coverage, checking doctors and medications before anything is submitted. I work in English and Spanish, and a member of our team speaks Arabic. We usually meet by phone or video, and I stay available after enrollment.
Independent Insurance Agent · License #W512374 | NPN #18906048 · 813-302-7151
Talk to a licensed agent
Let's talk
Review your options with a licensed agent
Send your county, household, doctors and medications and we will check the plans available to you. Call or text 813-302-7151.
