Common Questions About Plans, Costs and Enrollment

Insurance shouldn't feel confusing. Here are answers to the questions Florida families ask us most — about costs, provider networks, and enrollment deadlines. Still have questions? Call us anytime for a free review.

  • How much will my health insurance premium actually cost?

    Your actual cost depends on your income, household size, and the plan tier you choose. Marketplace subsidies can significantly lower your monthly premium, sometimes more than families expect. Murray & Murray runs a free comparison to show you real numbers before you commit to anything.

  • Will I be able to keep seeing my current doctor?

    Network coverage varies by plan and carrier, such as Blue Cross Blue Shield or Florida Health Care Plans. We check your specific doctors and prescriptions against each plan's network before recommending anything, so you know exactly what you're getting.

  • When is Open Enrollment, and what happens if I miss the deadline?

    Open Enrollment runs during a set window each year. If you miss it, you may have to wait until the next enrollment period unless you qualify for a Special Enrollment Period, such as a job loss, marriage, new baby, or move. Murray & Murray tracks every client's deadline so nothing gets missed.

  • What's the difference between health, life, and supplemental insurance?

    Health insurance covers your medical care, doctor visits, and prescriptions. Life insurance protects your family financially if you pass away. Supplemental insurance, such as dental, vision, cancer, or hospital indemnity plans, fills gaps that your primary health plan doesn't cover.

  • Does it cost anything to meet with an agent or get a policy review?

    No. Your review and consultation are completely free with no obligation. As an independent agency, we don't charge fees to you. We're paid by the insurance carriers, not by our clients.

  • Why use an independent agency instead of going straight to an insurance company?

    An independent agent compares plans across multiple carriers instead of pushing one company's products. That means our recommendations are based on what actually fits your life and budget, not a sales quota.

Still Have Questions?

Call today for a free, no-obligation review. We've guided Florida families for nearly 25 years.