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Marketplace (Obamacare) · Miami and all of FloridaThe enhanced subsidies ended and many families saw their payments go up. We review your case, your doctors and your prescriptions against the plans we offer in your county before your plan renews on its own, at no additional cost to you.
Health plans through RTM Brokers of Florida, Inc., a private agency not affiliated with the government. Agent Roberto Rojas Jr., NPN 8520815.
Three facts: ZIP code, people in your household and estimated income for the year. The calculator answers in seconds, with no email or phone required.
Check my subsidy Book an appointmentThe calculator lives on rtmbrokers.com, the website of RTM Brokers of Florida, Inc., the health agency of SVM Insurance. The estimate is informational: subsidies depend on your income and household size, and eligibility is determined by the Marketplace.
If you do nothing, the Marketplace renews you with last year's information. The tax credit is recalculated every year and doctor networks change; we review it with you before December 15.
The enhanced subsidies ended in 2025. We check your income estimate and compare the plans we offer in your county to see if another option fits you better.
Losing other coverage opens a 60-day special enrollment period. You don't have to wait for November.
Your credit depends on the income you estimate for the year. A bad estimate gets paid back at tax time; we work the number out with you.
These are life events that let you enroll or change plans outside open enrollment. You have 60 days from the event.
Starting in 2027 the rules change for who keeps the credit that lowers the payment. See who keeps it and who loses it.
The standard subsidy is still available depending on your income and eligibility, which is why it pays to review your case before renewing.
One of them. The same person the day you enroll and the day you need help. Bilingual, English and Spanish.
Office Manager
Coordinates the team and follows up on your case
Auto Insurance Manager
Quotes, comparisons and renewals
Health Insurance Manager
Marketplace plans, renewals and changes
Telemarketing Manager
First contact, follow-up and appointments with your agent
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Payments, documents and ID cardsAgent of record: Roberto Rojas Jr., NPN 8520815, licensed in Florida since 2005.
Roberto Rojas Jr. has insured Florida families for more than 20 years.
Same office, open Monday through Saturday. 18901 SW 106th Ave, Suite 124.
BBB accredited since 2018, A+ rating.
CMS recognition for Roberto Rojas Jr. (NPN 8520815), every year since 2019. It does not imply government affiliation or endorsement.
Leave your number and a licensed agent calls you during office hours, Mon–Fri 9 to 5:30 and Sat 9 to 2. Before we look at your Marketplace account we ask for your authorization, as CMS requires.
No. SVM Insurance is a private agency licensed in Florida (L099276). The Health Insurance Marketplace is the government program; our job is to help you use it well and stay with you all year.
Nothing additional. Agencies are compensated by the insurance companies when you enroll, and the price of your plan is the same with or without an agent.
RTM Brokers of Florida, Inc. is the health agency of SVM Insurance, founded by Roberto Rojas in 2006. Same team, same Cutler Bay office, same agent of record. Your Marketplace documents will show Roberto Rojas Jr. and his NPN 8520815.
It depends on your income, household size, age, county and the plan you choose. We don't give prices without reviewing your case. The calculator gives you an estimate in seconds; a call gives you the real number.
The enhanced subsidies ended at the close of 2025 and many families saw their payment go up. We check three things: that your income estimate is right, which other plans we offer in your county, and whether a different plan tier fits you better. We don't promise a price without reviewing your case.
No. Citizens and many lawfully present people can enroll. What changes on January 1, 2027 is who gets the tax credit that lowers the payment: it is limited mainly to citizens, green card holders and certain Cuban and Haitian entrants. See who keeps it and who loses it. This is not immigration advice; eligibility is determined by the Marketplace.
If you pick your plan by December 15, it starts January 1. If you pick it between December 16 and January 15, it starts February 1. With a qualifying life event, it generally starts the first day of the following month.
Yes, when there is a qualifying life event, such as losing other coverage, moving, getting married, having a baby or a change in income. You have 60 days from the event.
Since October 2026 the Marketplace asks you to confirm every year who your agent is, with a code or a link that expires in 15 minutes. It's official. See what the message looks like and how to protect your account.
No. One person from this office contacts you, during office hours. We don't sell or share your number with third parties for marketing, and you can reply STOP at any time.
No. Requesting a call commits you to nothing. If your current plan still works for you, we tell you so and you keep it.
Subsidies are recalculated every year. One call tells you whether your plan still makes sense.
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