FAQ
Questions people ask us
Short answers. If yours is not here, call (305) 897-1911.
Does it cost more to enroll with an agent?
No. HealthCare.gov states that you won't pay anything additional if you enroll with an agent or broker. Agents are generally paid by the insurance companies.
Can you tell me the price of a plan right now?
Not from this website. What you pay depends on the plan you choose and on the savings the Marketplace determines after it reviews your application. We go through the real numbers with you once that is done.
Do you offer every plan?
No. We work with selected insurance companies, so we may not offer every plan available in your area. HealthCare.gov shows every Marketplace plan.
When can I enroll?
During the yearly Open Enrollment period, or within a short window after a qualifying life event such as losing coverage, moving, marrying or having a baby. HealthCare.gov lists the current dates.
Who actually enrolls me?
Luis Gonzalez, the agency's Florida-licensed agent. He completes the application with you, and you confirm every answer before it is submitted.
What do you need from me to start?
Your name, phone number and ZIP code. Everything else — including Social Security numbers and immigration information — is collected during the application itself, with your consent, never through this website's form.
Can I keep my doctor?
It depends on the plan. Each plan has its own network of doctors and hospitals, and networks can change from year to year. Checking the doctors and medications you care about is part of how we compare plans with you.
Do you help in Spanish?
Yes. This whole site is available in Spanish, and we speak with you in the language you prefer.
Is this a government website?
No. Fast-Track Insurance LLC is a private insurance agency. This site is not HealthCare.gov and is not affiliated with or endorsed by any government agency.
What happens at tax time?
If advance payments of the premium tax credit were made for you, you must file a federal tax return for that year and reconcile them on Form 8962, using the Form 1095-A from the Marketplace. Keeping your income up to date with the Marketplace during the year helps avoid a surprise.
Talk it through before you choose.
Tell us the best time to reach you. We will call you back in English or Spanish.