2027 Open Enrollment is live

Coverage built for what's next.

The smarter way to shop health coverage. We line up every 2027 option, Marketplace and private, against your doctors, your prescriptions and your budget. Then we stay with you all year.

Start my 2027 review Carriers in my state

1,000s of clients covered
23 states licensed
1 day to hear back

The enrollment window

HealthCare.gov states

California and New Jersey run their own exchanges, with their own deadlines.

Nov 1Window opens

Dec 15Last day for a Jan 1 start

Jan 15Window closes

Days left for a January 1 start —

Insurers are leaving the Marketplace in more than 20 states for 2027. If your plan sent a discontinuation letter, you need to choose a new one.

Most states use HealthCare.gov. Georgia uses Georgia Access with the same dates.

Carriers we work with

An alternative to the Marketplace

Marketplace too pricey? Private could be your path.

Marketplace prices follow your income. If you're healthy and earn too much for a subsidy, a private plan can cost far less. Here's what each one is and who it fits.

Incomesets your Marketplace subsidy. Above 400% of the poverty level, there's no subsidy in 2027.

Healthsets the price of an underwritten private plan. Healthy applicants can pay less.

Any monthMost private plans can start any month. No enrollment window required.

Private networks: UnitedHealthcare · First Health · MultiPlan

Private, limited medical, MEC and short-term plans are not ACA Marketplace plans and don't qualify for premium tax credits. Most are medically underwritten, and benefits, exclusions and availability vary by carrier and state. They aren't right for everyone, so we go over how your health and budget line up before you decide.

Beyond major medical

Dental, vision and hearing

Most adult medical plans leave these out. Add them on their own, or bundle them with your health plan.

Dental

Cleanings, fillings and bigger work for individuals and families.

Cleanings and X-rays
Fillings, crowns, root canals
Plans without waiting periods
Children's dental

Vision

A yearly eye exam and money toward the frames or contacts you choose.

Annual eye exam
Frames and lenses allowance
Contact lens allowance
LASIK discounts on some plans

Hearing

Exams and help paying for hearing aids, which most plans don't cover.

Hearing exams
Hearing aid allowances
Bundles with dental and vision
Available on its own

Bundle all three.Most of my clients add a dental, vision and hearing package next to their medical plan. I manage those benefits for you, so you never wait in a carrier's call queue.

Price a bundle

What we service

Coverage and planning under one roof

Your health coverage and your long-term plan should work together. One advisor handles both, from the first quote to every renewal after.

Pick your stage of life

Ages are a guide. Coverage follows your life, not your birthday.

BrickellHealth & Financial LLC

Independent agencyWho we are

Founded: April 2026
Founder: Rich Petrosa
Based: South Florida
Licensed: 23 states
We cover: Health, life, annuities and wealth management
Direct: 561-665-7558

Who we are

An independent agency that stays in your corner

Founded in April 2026, Brickell Health & Financial has already helped thousands of clients get the coverage they need. We're an independent health and benefits agency based in South Florida and licensed in 23 states. We aren't tied to one insurance company, so we can put Marketplace and private plans side by side and help you pick the one that fits your doctors, your prescriptions and your budget.

Every relationship starts with a conversation, not a sales pitch. Once you're a client, you're family: you call or text us first, with no customer service lines and no overseas call centers. We handle your dental, vision and hearing benefits too, and can usually sort things out faster than the carrier can.

2026Founded in April

1,000sClients covered

23States licensed

“Protected shouldn't mean confused. My job is to make sure you understand exactly what you have, and why.”Rich Petrosa · Founder

Client-first

Advice starts with your situation, not a quota or a favorite carrier.

One point of contact

From the first quote through claims and renewals, you deal with us directly.

Both sides of the market

Marketplace and private plans, so you see every option.

All year long

Billing questions, ID cards, plan changes. Reach out anytime.

Get in touch

Let's build your 2027 plan

Tell me a little about what you need and I'll follow up personally, usually within one business day. Calling or texting is fastest.

Call or text561-665-7558

Emailrichpetrosa@brickellhf.com

Instagram · LinkedIn@brickellhf

Question 1 of 7

Don't feel like answering questions? Give me a call at 561-665-7558 to see what you can qualify for.

Let's find your best fit. What ZIP code do you need coverage in?

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