Last reviewed: November 2026
Compare individual and family coverage with a local independent agency. Open Enrollment for 2027 coverage is November 1, 2026 through January 15, 2027.
Kite Insurance Agency is a local independent agency helping individuals and families in Pensacola and Northwest Florida compare individual and family health insurance, including ACA Marketplace plans. Licensed agents at Kite Insurance Agency can quote Florida Blue individual and family health plans. Learn about Florida Blue quotes in Pensacola.
Florida uses the federal Marketplace at HealthCare.gov. You compare monthly premiums, deductibles, provider networks, and metal levels to find coverage that fits your household. Marketplace plans in Florida can come from more than one company; availability varies by ZIP code. Check current choices on HealthCare.gov.
ACA individual coverage is guaranteed issue, with no pre-existing condition waiting period. See the Florida Department of Financial Services guidance for 2027 ACA individual coverage. Review each plan's benefits and effective date before enrolling.
Source: HealthCare.gov dates and deadlines. Paying your first premium is necessary for coverage to begin.
When you apply on the Marketplace, you find out whether you qualify for a premium tax credit that can lower your monthly premium. The amount depends on household size and estimated income on your application. You can use some, all, or none of the credit each month. Advance payments go from the Marketplace to the insurance company so you pay less each month.
If you use more credit than you qualify for based on your final income, you may have to repay the difference when you file federal taxes. Report income and household changes to the Marketplace promptly. You can still use the Marketplace if you do not qualify for a premium tax credit. Check HealthCare.gov premium tax credit eligibility and guidance.
Some people also qualify for cost-sharing reductions, which can lower deductibles, copayments or coinsurance, and the out-of-pocket maximum. These extra savings apply only when you enroll in a Silver plan. Check current eligibility at HealthCare.gov's cost-sharing reductions guide.
Between January 16 and October 31, you may get Marketplace coverage if you qualify for a Special Enrollment Period. Life events can include getting married, having a baby or adding a dependent, moving, or losing health coverage. Eligibility and timing depend on your situation. Medicaid and CHIP applications are available at any time. See HealthCare.gov Special Enrollment Period guidance.
We do not charge a fee to help you shop Marketplace plans. Agents are typically paid by the carrier, not the customer. You can also apply on your own at HealthCare.gov.
Visit Kite Insurance Agency at 225 N. Pace Blvd, Suite 107, Pensacola, FL 32505, or call (850) 438-0008. We serve Pensacola, Gulf Breeze, Pace, Milton, Cantonment, Navarre, Perdido Key, Escambia County, Santa Rosa County, and the Florida Gulf Coast.
Licensed agents at Kite Insurance Agency can quote Florida Blue individual and family health plans. Plan availability, networks, and benefits vary by county and plan year. See our Florida Blue health insurance page and confirm current ZIP-code options on Florida Blue's individual and family website.
Kite Insurance Agency is independent, not Florida Blue.
Open Enrollment runs November 1, 2026 through January 15, 2027. Enroll or change plans by December 15, 2026 and pay your first premium for coverage to start January 1, 2027. Enrollment or changes December 16, 2026 through January 15, 2027 start February 1, 2027 after the first premium is paid.
After January 15, 2027, you can enroll in or change Marketplace plans only if you qualify for a Special Enrollment Period. Qualifying life events may include marriage, a baby or adding a dependent, moving, or losing health coverage. Medicaid and CHIP applications are available at any time. Check HealthCare.gov for eligibility and deadlines.
It is financial help that can lower a Marketplace monthly premium, based on household size and estimated income. You can use some, all, or none in advance. If advance payments exceed what you qualify for based on final income, you may have to repay the difference on your federal taxes. Report income and household changes promptly and check HealthCare.gov.
Cost-sharing reductions can lower deductibles, copayments or coinsurance, and the out-of-pocket maximum. If you qualify, these extra savings apply only to a Silver plan. Check current eligibility on HealthCare.gov.
Yes. We help explain options, check doctors and prescriptions where possible, estimate savings using the official Marketplace application, and assist with enrollment. We do not charge a fee to help shop Marketplace plans; agents are typically paid by the carrier. You can also apply on your own at HealthCare.gov.
Licensed agents at Kite Insurance Agency can quote Florida Blue individual and family health plans. Availability depends on ZIP code and plan year. Kite is an independent agency, not Florida Blue.
This page is about individual and family health insurance, not Medicare. People with Medicare questions can call the agency at (850) 438-0008.
Talk with a licensed agent about options for your household and ZIP code.