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Licensed Health Insurance Broker · Boca Raton, FL

Health insurance made clear, finally.

I'm John Nightingale. Self-employed, between jobs, or just want a better plan? I compare ACA Marketplace, short-term, and supplemental plans from 12+ carriers, check your subsidy, and enroll you, at no cost to you. Straight answers, zero pressure.

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  • 20+ years experience
  • 12+ carriers compared
  • Licensed in 7 states
  • NPN 10308000
John Nightingale, Licensed Health Insurance Broker in Boca Raton, FL

John Nightingale

Licensed Health Insurance Broker · NPN 10308000

Comparing health plans from 12+ carriers, including

When plans compete, you win.

You're not stuck with the first plan a website spits out. I compare ACA Marketplace, short-term, group, and supplemental plans across 12+ carriers so your coverage fits your doctors, your budget, and your life.

0yrs
of industry experience
0+
top-rated carriers compared
0+
ways to get you covered
$0
cost for my help, ever

Simple by design

How does getting covered work?

No jargon, no pressure, no obligation. Three steps from confused to confidently covered.

STEP 01

Tell me about your needs

A quick call or two-minute form. I learn your doctors, your budget, and whether you qualify for a subsidy.

STEP 02

I compare plans side by side

ACA Marketplace, short-term, and supplemental plans from 12+ carriers, checked against your doctors, your budget, and your subsidy, explained in plain English.

STEP 03

You enroll with confidence

I handle the application and enrollment deadlines, then review your plan with you every year at renewal, free. You will never navigate open enrollment alone again.

Coverage options

Let's talk options.

Health coverage comes with real choices. Tap any option to see exactly how it works, or answer one quick question and I'll point you to the right path.

Find My Health Plan in 60 Seconds

ACA Marketplace Health Insurance

Health coverage that fits your budget.

ACA (Affordable Care Act) Marketplace plans cover doctor visits, hospital care, prescriptions, maternity, mental health, and free preventive care, with no denial for pre-existing conditions. Most households qualify for a premium tax credit that dramatically lowers the monthly cost, and I run your subsidy estimate, compare every carrier in your area, and handle enrollment for you at no charge.

Best for: Self-employed people, early retirees, families without employer coverage, gig workers, and anyone who lost group benefits.

Common questions

How much does ACA health insurance cost per month?
After subsidies, many households pay far less than the sticker price, and some qualify for plans under 50 dollars per month. Your cost depends on income, household size, age, and county. I run your subsidy estimate before you apply so there are no surprises.
Can I be denied ACA coverage for a pre-existing condition?
No. Marketplace plans cannot deny you, charge you more, or exclude treatment because of pre-existing conditions, including pregnancy, diabetes, or chronic illness. Coverage for those conditions starts the day your plan does.
When can I enroll in an ACA health plan?
Open Enrollment generally runs November 1 through January 15. Outside that window, life events like losing coverage, moving, getting married, or having a baby open a 60-day Special Enrollment Period. Some lower-income households can enroll year-round.
How do I know if I qualify for a subsidy?
Premium tax credits are based on your estimated household income and size for the year, not last year's taxes. Many people who assume they earn too much still qualify. Checking takes me two minutes and it is the first thing I do before quoting anything.
Does it cost extra to enroll through a broker?
No. My help costs you nothing; brokers are paid by the insurance companies and your premium and subsidy are identical either way. The difference is you get a human who picks the right plan with you and fights billing and coverage problems for you all year.

Apply for ACA Marketplace Health Insurance online

ACA Marketplace Health Insurance application

This secure form connects to your GoHighLevel account and goes live the moment it's linked.

Short-Term Health Insurance

Coverage for the in-between.

Short-term medical plans provide temporary coverage that can start as soon as tomorrow. They are a practical bridge when you are between jobs, waiting for an ACA or employer plan to begin, aging off a parent's plan, or you missed Open Enrollment. Premiums are lower, but these plans are medically underwritten and don't cover pre-existing conditions or all essential benefits, so I only recommend one when it genuinely fits your situation.

Best for: People between jobs, new hires in a waiting period, early retirees before Medicare, and anyone needing coverage fast outside Open Enrollment.

Common questions

How quickly can short-term health insurance start?
Often the next day. Once you apply and are approved, coverage can begin as soon as the following day, which is why it's the go-to when you need protection immediately and can't wait for an Open Enrollment plan to kick in.
Does short-term insurance cover pre-existing conditions?
Generally no. Short-term plans are medically underwritten and typically exclude pre-existing conditions and some essential benefits. That is the trade-off for the lower price and instant start. If you have ongoing health needs, I will usually steer you to an ACA plan instead and tell you why.
How long can I keep a short-term plan?
It depends on your state's rules; some allow only a few months, others permit longer terms or renewals. I check your state's current limits and, more importantly, plan your bridge so it ends the day your permanent coverage begins.
Is short-term insurance cheaper than an ACA plan?
The monthly premium usually is, but it covers less and offers no subsidies. For someone who qualifies for a strong ACA subsidy, the Marketplace plan is often both cheaper and far better. I compare the real out-of-pocket picture, not just the premium, before you decide.
What does short-term health insurance actually cover?
Most plans cover new illnesses and injuries, doctor and urgent care visits, and hospitalization up to plan limits. They typically exclude maternity, mental health, and pre-existing conditions. I walk you through exactly what's covered and what isn't so there are no surprises at the ER.

Apply for Short-Term Health Insurance online

Short-Term Health Insurance application

This secure form connects to your GoHighLevel account and goes live the moment it's linked.

Small Business Health Insurance

Take care of your team.

Group health insurance lets a small business offer real coverage to employees, often at better rates and with guaranteed acceptance regardless of health history. I help owners compare carriers, design a plan that balances benefits and budget, handle enrollment and renewals, and explore options like level-funded plans and QSEHRA/ICHRA reimbursement arrangements when a traditional group plan isn't the right fit.

Best for: Small business owners, startups, and organizations that want to offer or improve employee health benefits.

Common questions

How many employees do I need to offer group health insurance?
In most states you can start a small-group plan with as few as one W-2 employee besides the owner. Requirements vary by state and carrier, so I confirm your eligibility and the participation rules before we design anything.
Is group health insurance cheaper than individual plans?
It can be, especially for employees with health conditions, because group plans are guaranteed-issue and the cost is shared between employer and staff. For very small or lower-wage teams, an ICHRA or QSEHRA that reimburses individual ACA plans is sometimes the smarter play. I compare both.
Do I have to pay the whole premium for my employees?
No. Most carriers require the employer to contribute a minimum share, commonly around half of the employee-only premium, and employees typically pay the rest and any dependent costs. We build the contribution strategy around your budget.
What is an ICHRA or QSEHRA?
They're arrangements that let a business reimburse employees tax-free for individual health coverage instead of buying one group plan. For some small teams they're cheaper and more flexible than traditional group insurance. I'll tell you honestly whether one fits your situation.
When can a business start or change a group health plan?
Unlike individual coverage, small-group plans can generally start any month of the year, with no single Open Enrollment window. That means we can get your team covered on your timeline. I handle the setup, employee enrollment, and every renewal.

Apply for Small Business Health Insurance online

Small Business Health Insurance application

This secure form connects to your GoHighLevel account and goes live the moment it's linked.

Dental & Vision Insurance

The coverage medical plans forget.

Most medical plans cover little or no routine dental and vision care, yet those are the costs that add up year after year. Stand-alone dental and vision plans cover cleanings, fillings, crowns, exams, glasses, and contacts, often for less than the price of a single procedure. They pair perfectly with an ACA, short-term, or group plan to round out your coverage.

Best for: Individuals and families on any medical plan, and anyone facing crowns, braces, implants, or new eyewear.

Common questions

Does my medical plan already include dental and vision?
Usually only for children, because pediatric dental and vision are essential benefits under the ACA. Adult routine dental and vision are typically not covered, which is exactly the gap a stand-alone plan fills.
How much does dental and vision insurance cost?
Many individual dental plans run roughly 20 to 50 dollars a month, and vision plans often just a few dollars more. Because I compare carriers, the same level of coverage can vary meaningfully in price, so we match the plan to the care you actually expect to use.
Is there a waiting period for dental coverage?
Preventive care like cleanings and exams usually starts day one. Major work such as crowns, root canals, and implants often has a 6 to 12 month waiting period, though some carriers waive it with proof of prior coverage. This is exactly the fine print I read for you.
Does dental insurance cover implants or braces?
Some plans do and some don't, and the ones that do often have annual maximums and waiting periods. If you know major work or orthodontics is coming, tell me and I'll weight the comparison toward plans that actually cover it well.
Can I buy dental and vision without a medical plan?
Yes. Dental and vision plans are sold separately and don't require you to have medical coverage through me or anyone else. Plenty of clients add them on their own or alongside a plan they already have.

Apply for Dental & Vision Insurance online

Dental & Vision Insurance application

This secure form connects to your GoHighLevel account and goes live the moment it's linked.

Supplemental Health Insurance

Cash in hand when it counts.

Even a good medical plan leaves you with deductibles, copays, and bills that pile up during a health event. Supplemental plans, accident, critical illness, and hospital indemnity, pay a fixed cash benefit directly to you, to spend on anything: the deductible, the mortgage, groceries, travel to treatment. They're inexpensive, pay on top of any medical plan, and turn a scary diagnosis into one less financial emergency.

Best for: Families with high-deductible plans, single-income households, active people, and anyone who wants a financial cushion for a hospital stay or serious diagnosis.

Common questions

How is supplemental insurance different from my medical plan?
Your medical plan pays doctors and hospitals. Supplemental plans pay you, a fixed cash benefit you can use for anything: the deductible, lost income, childcare, or rent. It stacks on top of whatever medical coverage you already have.
What does critical illness insurance pay for?
It pays a lump-sum cash benefit, often 10,000 to 50,000 dollars, if you're diagnosed with a covered condition like cancer, heart attack, or stroke. The money is yours to use however you need while you focus on recovery instead of bills.
Is hospital indemnity insurance worth it with a high-deductible plan?
For many families, yes. A hospital stay on a high-deductible plan can cost thousands out of pocket. A hospital indemnity plan pays a set cash amount per admission and per day, which often covers the deductible with money to spare, for a low monthly premium.
Can I get supplemental coverage with health problems?
Often yes. Many accident and hospital indemnity plans have simple or no health questions, and critical illness plans use limited underwriting. I'll match you to the strongest option your health qualifies for.
Do I need supplemental insurance if I already have good coverage?
Not everyone does, and I'll tell you if you don't. But if you carry a high deductible, have one income supporting a family, or a diagnosis would strain your savings, a few dollars a month for cash-in-hand protection is often worth it. We look at your real gaps together.

Apply for Supplemental Health Insurance online

Supplemental Health Insurance application

This secure form connects to your GoHighLevel account and goes live the moment it's linked.

Who you'll be working with

Who is John Nightingale?

Portrait of John Nightingale

20+

years helping families get covered

I'm a licensed health insurance broker with over 20 years helping individuals, families, and small business owners find coverage that actually fits. Whether you're self-employed, between jobs, aging off a parent's plan, or covering a team, I compare ACA Marketplace, short-term, small business, dental, vision, and supplemental plans from a dozen top-rated carriers, and I check your subsidy eligibility before you spend a dollar. My help costs you nothing, your premium is the same either way, and I review your coverage with you every renewal.

Proudly serving families across Boca Raton, Miami-Dade County, and the greater Miami- Ft. Lauderdale area.

Licenses & qualifications

  • Licensed in: Florida, Iowa, Minnesota, Washington, South Carolina, California, Oklahoma
  • National Producer Number: 10308000
  • 20+ years of experience
  • Access to 12+ top-rated carriers

Why clients choose me

  • I shop multiple carriers to find your best fit
  • Straightforward advice with no pressure
  • Fast quotes and a simple, guided process
  • Support for the life of your policy

Real reviews, straight from Google

What are clients in Boca Raton saying?

These reviews come directly from my Google Business Profile. I can't edit them, and I wouldn't want to.

My gift to you

Free planning resources, no strings attached

Whether we ever work together or not, these will help you make smarter health coverage decisions.

Free ACA Subsidy & Savings Checklist cover

Free ACA Subsidy & Savings Checklist

See what you'll actually pay: the income numbers, documents, and deadlines that decide your subsidy, in one simple checklist.

Free Guide: Which Health Plan Fits You? cover

Free Guide: Which Health Plan Fits You?

ACA vs. short-term vs. supplemental, the honest side-by-side on cost, coverage, and trade-offs, in plain English.

Zero pressure. Ever.

Book a Free Consultation

Pick a time that works for you. Bring your questions, your current plan, or just your confusion. If I'm not the right fit, I'll tell you and point you in the right direction anyway.

Your booking calendar

This secure booking calendar connects to your GoHighLevel account and goes live the moment it's linked.

Prefer to talk right now? Call or text (561) 287-3456

Good questions

Frequently asked questions

Pick a topic. Straight answers, no jargon.

Does it cost anything to work with a health insurance broker?
No. I'm paid by the insurance carrier you choose, and your premium, and any subsidy you qualify for, is exactly the same as enrolling on your own. The difference is you get someone who compares 12+ carriers, checks your subsidy, and has your back on billing and claims all year.
When can I enroll in a health insurance plan?
ACA Marketplace Open Enrollment generally runs November 1 to January 15. Outside that window, life events like losing coverage, moving, marriage, or a new baby open a 60-day Special Enrollment Period. Short-term plans can start almost any time, small-group plans can begin any month, and Medicaid enrolls year-round.
Can I be denied coverage for a pre-existing condition?
It depends on the plan type, which is exactly why the right choice matters. ACA Marketplace and group plans cannot deny you or charge more for pre-existing conditions. Short-term plans can, because they're medically underwritten. I steer you to the right plan for your health, not just the cheapest premium.
How much is health insurance, and can I get a subsidy?
Your cost depends on income, household size, age, and county. Most Marketplace enrollees qualify for a premium tax credit that sharply lowers the monthly price, and many are surprised they qualify at all. Checking your subsidy is the first thing I do, before I quote you anything.
My plan worked last year. Do I really need to review it every year?
Yes, because plans change even when you don't. Premiums, provider networks, drug coverage, and subsidy amounts all reset each year. A short review at renewal is how my clients avoid quiet price hikes and dropped doctors. It's free and I do it for every client.
How much does ACA health insurance cost per month?
After subsidies, many households pay far less than the sticker price, and some qualify for plans under 50 dollars per month. Your cost depends on income, household size, age, and county. I run your subsidy estimate before you apply so there are no surprises.
Can I be denied ACA coverage for a pre-existing condition?
No. Marketplace plans cannot deny you, charge you more, or exclude treatment because of pre-existing conditions, including pregnancy, diabetes, or chronic illness. Coverage for those conditions starts the day your plan does.
When can I enroll in an ACA health plan?
Open Enrollment generally runs November 1 through January 15. Outside that window, life events like losing coverage, moving, getting married, or having a baby open a 60-day Special Enrollment Period. Some lower-income households can enroll year-round.
How do I know if I qualify for a subsidy?
Premium tax credits are based on your estimated household income and size for the year, not last year's taxes. Many people who assume they earn too much still qualify. Checking takes me two minutes and it is the first thing I do before quoting anything.
Does it cost extra to enroll through a broker?
No. My help costs you nothing; brokers are paid by the insurance companies and your premium and subsidy are identical either way. The difference is you get a human who picks the right plan with you and fights billing and coverage problems for you all year.
How quickly can short-term health insurance start?
Often the next day. Once you apply and are approved, coverage can begin as soon as the following day, which is why it's the go-to when you need protection immediately and can't wait for an Open Enrollment plan to kick in.
Does short-term insurance cover pre-existing conditions?
Generally no. Short-term plans are medically underwritten and typically exclude pre-existing conditions and some essential benefits. That is the trade-off for the lower price and instant start. If you have ongoing health needs, I will usually steer you to an ACA plan instead and tell you why.
How long can I keep a short-term plan?
It depends on your state's rules; some allow only a few months, others permit longer terms or renewals. I check your state's current limits and, more importantly, plan your bridge so it ends the day your permanent coverage begins.
Is short-term insurance cheaper than an ACA plan?
The monthly premium usually is, but it covers less and offers no subsidies. For someone who qualifies for a strong ACA subsidy, the Marketplace plan is often both cheaper and far better. I compare the real out-of-pocket picture, not just the premium, before you decide.
What does short-term health insurance actually cover?
Most plans cover new illnesses and injuries, doctor and urgent care visits, and hospitalization up to plan limits. They typically exclude maternity, mental health, and pre-existing conditions. I walk you through exactly what's covered and what isn't so there are no surprises at the ER.
How many employees do I need to offer group health insurance?
In most states you can start a small-group plan with as few as one W-2 employee besides the owner. Requirements vary by state and carrier, so I confirm your eligibility and the participation rules before we design anything.
Is group health insurance cheaper than individual plans?
It can be, especially for employees with health conditions, because group plans are guaranteed-issue and the cost is shared between employer and staff. For very small or lower-wage teams, an ICHRA or QSEHRA that reimburses individual ACA plans is sometimes the smarter play. I compare both.
Do I have to pay the whole premium for my employees?
No. Most carriers require the employer to contribute a minimum share, commonly around half of the employee-only premium, and employees typically pay the rest and any dependent costs. We build the contribution strategy around your budget.
What is an ICHRA or QSEHRA?
They're arrangements that let a business reimburse employees tax-free for individual health coverage instead of buying one group plan. For some small teams they're cheaper and more flexible than traditional group insurance. I'll tell you honestly whether one fits your situation.
When can a business start or change a group health plan?
Unlike individual coverage, small-group plans can generally start any month of the year, with no single Open Enrollment window. That means we can get your team covered on your timeline. I handle the setup, employee enrollment, and every renewal.
Does my medical plan already include dental and vision?
Usually only for children, because pediatric dental and vision are essential benefits under the ACA. Adult routine dental and vision are typically not covered, which is exactly the gap a stand-alone plan fills.
How much does dental and vision insurance cost?
Many individual dental plans run roughly 20 to 50 dollars a month, and vision plans often just a few dollars more. Because I compare carriers, the same level of coverage can vary meaningfully in price, so we match the plan to the care you actually expect to use.
Is there a waiting period for dental coverage?
Preventive care like cleanings and exams usually starts day one. Major work such as crowns, root canals, and implants often has a 6 to 12 month waiting period, though some carriers waive it with proof of prior coverage. This is exactly the fine print I read for you.
Does dental insurance cover implants or braces?
Some plans do and some don't, and the ones that do often have annual maximums and waiting periods. If you know major work or orthodontics is coming, tell me and I'll weight the comparison toward plans that actually cover it well.
Can I buy dental and vision without a medical plan?
Yes. Dental and vision plans are sold separately and don't require you to have medical coverage through me or anyone else. Plenty of clients add them on their own or alongside a plan they already have.
How is supplemental insurance different from my medical plan?
Your medical plan pays doctors and hospitals. Supplemental plans pay you, a fixed cash benefit you can use for anything: the deductible, lost income, childcare, or rent. It stacks on top of whatever medical coverage you already have.
What does critical illness insurance pay for?
It pays a lump-sum cash benefit, often 10,000 to 50,000 dollars, if you're diagnosed with a covered condition like cancer, heart attack, or stroke. The money is yours to use however you need while you focus on recovery instead of bills.
Is hospital indemnity insurance worth it with a high-deductible plan?
For many families, yes. A hospital stay on a high-deductible plan can cost thousands out of pocket. A hospital indemnity plan pays a set cash amount per admission and per day, which often covers the deductible with money to spare, for a low monthly premium.
Can I get supplemental coverage with health problems?
Often yes. Many accident and hospital indemnity plans have simple or no health questions, and critical illness plans use limited underwriting. I'll match you to the strongest option your health qualifies for.
Do I need supplemental insurance if I already have good coverage?
Not everyone does, and I'll tell you if you don't. But if you carry a high deductible, have one income supporting a family, or a diagnosis would strain your savings, a few dollars a month for cash-in-hand protection is often worth it. We look at your real gaps together.

Ready for health coverage peace of mind?

Find your plan online, or talk it through with me first. Whichever feels right.

Find My Health Plan Book a Free Consultation

Prefer to talk? Call or text (561) 287-3456