🌕 Private & ACA Health Insurance

Better Health Insurance for Floridians — Private or ACA, Done the Right Way.

Hey — thank you for choosing Rader Right! I'm Megan, and I'm certain we'll work well together. Let's understand your coverage today, so you're ready for whatever tomorrow brings. 💜

📍 Florida-based · Licensed in 27 states
Get My Free Quote → 📞 (239) 201-2825
✓ Quick & Easy — No Wrong Answers

Get Your Best Rate — Takes 60 Seconds

Step 1 of 7
First things first — your date of birth?

Rates are age-based — this keeps your quote accurate.

What's your ZIP code?

Plans and pricing vary by area.

Do you use tobacco?
Do you have any pre-existing conditions?

Even something small counts — acne, high blood pressure, anything a doctor has noted.

Any ongoing prescription medications?
What's your household income range?

Only used to check if you qualify for subsidies.

Anyone else joining your plan?

Add a spouse or kids with their birthdays — or just hit Finish if it's only you.

Already know what you want? Skip to your free quote →
🛡️ Licensed & E&O Insured
⭐ Highly Rated on Google
💼 6 Years Experience
🤝 Independent — Multiple Carriers

Ready to Find Out What You Qualify For?

A 15-minute conversation is all it takes. No pressure, no jargon — just straight answers from someone who genuinely cares.

✓ Get My Free Quote 📞 Call or Text (239) 201-2825

⏰ Available Monday–Friday, 8am–6pm EST

Get a Quote

One Form. One Call. From Me — Megan.

When you hit submit, your info doesn't go to a lead company or a call center. It comes straight to my desk, and I'm the one who calls you — usually within a few hours during business hours (Mon–Fri, 8am–6pm EST).

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Megan calls you — no one else

No automated dialers blowing up your phone, no transferring you around. Just me.

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Private & ACA — I shop both

Whichever side of the market saves you more, that's what I'll recommend.

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Free, no pressure, no obligation

The carrier pays me when you enroll. My time and advice cost you nothing.

Available Mon–Fri, 8am–6pm

Get Your Free Quote

By providing your name and contact information you are expressly consenting to receive communications from Rader Right Insurance & Associates or one of their licensed agents, which may include phone calls (including to any wireless number that you provide) including automatic telephone dialing systems or by artificial/pre-recorded messages, text message and/or emails for the purpose of marketing insurance products and services including health, Medicare and life insurance plans. By providing your information, you understand that your consent is not a condition of purchase of any product or services, and carrier messaging and data rates may apply. You may revoke this consent at any time by calling us at (239) 201-2825 or by emailing us at mrader@raderrightinsure.com to be placed on our do-not-call list. Privacy Policy

🔒 Your info stays private. No spam, no lead-selling, ever.

My Story

I'm Not a Call Center. I'm Megan.

I've spent 6 years in the insurance industry, and I've built my practice on one simple promise: I don't disappear after the application. Too many agents vanish the moment the policy is issued. I stay — for your questions, your renewals, and everything in between.

I understand what it means to navigate health insurance for your family. I personally care for my disabled mother, and I know firsthand how much it matters to have someone in your corner who actually understands the coverage — not just the commission.

I'm an independent agent with Rader Right Insurance. I'm not tied to one carrier — I shop the market, private plans and ACA marketplace plans alike, to find what's truly best for you.

🏅 Licensed Insurance Agent 🛡️ E&O Insured ⭐ Top-Rated on Google 💼 6 Years Experience
6
Years in Insurance
20+
FL Cities Served
$0
Consultation Fee
Get My Free Quote →
Megan Rader — Licensed Insurance Agent
Plan Options

Two Ways to Get Covered — I'll Help You Pick the Right One

If you're healthy, a private underwritten plan often costs less. If you qualify for strong subsidies or have health conditions, the ACA marketplace usually wins. I'm licensed for both — so you get a straight answer, not a sales pitch.

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A Real Agent, Not a Call Center

You work directly with Megan — before, during, and long after enrollment. Questions, renewals, billing issues: one call, one person.

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Private AND ACA — She Shops Both

Licensed for medically underwritten private plans and ACA marketplace plans with subsidies. Whichever saves you more, that's the one Megan recommends.

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Enroll Any Time of Year

Private plans have no open-enrollment window — get covered now, on your schedule. And if ACA fits you better, Megan handles your enrollment window or qualifying event too.

Private vs. ACA

How the Two Compare

Every family is different. Take the 60-second quiz on the home page, or grab a free quote and I'll run both sides for you.

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FeatureACA / MarketplacePrivate (U65)
How your rate is setBased on your income✓ Based on your health
Income-based subsidies✓ Yes✗ No
Pre-existing conditions covered✓ AlwaysMedically underwritten
Enroll any time of yearOpen enrollment / SEP✓ Anytime
Flexible plan designsStandardized tiers✓ Very flexible
A personal agent — Megan✓ Yes✓ Yes
Enrolling Is Easy

Simple. Transparent. No Pressure.

From first call to active coverage, here's exactly what working with Megan looks like.

1

Free Consultation

A real conversation — not a sales pitch. Megan listens to your health situation, budget, and priorities before recommending anything.

2

Plan Comparison

Megan shops private carriers and the ACA marketplace on your behalf to find plans that genuinely fit your life and your wallet.

3

Application & Enrollment

She walks you through the application — no confusing forms on your own. Private underwriting typically takes just a few days.

4

Covered — and Supported

Once your policy is issued, Megan stays in your corner. Questions, changes, renewals — she doesn't disappear.

Start with a Free Quote →
What Clients Say

Real Reviews. Real People. Real Results.

★★★★★

Verified Google reviews from clients Megan has personally helped.

★★★★★

"Megan is very professional. She is very knowledgeable in the field, and helped us navigate the plans and walked us throughout every step. She is an asset to the company."

R
Robert Dean
Google Review
★★★★★

"I was overwhelmed trying to find health insurance on my own. Megan made the whole process simple and found me a plan that actually fit my budget. I couldn't be more grateful."

J
Jennifer M.
Google Review · Fort Myers, FL
★★★★★

"What sets Megan apart is that she actually picks up the phone after you're enrolled. She answered every question I had about my policy and never made me feel like a bother."

D
David L.
Google Review · Cape Coral, FL
⭐ Highly rated under Rader Right Insurance on Google · Read reviews on Google →
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Common Questions

Frequently Asked Questions

U65 refers to adults under age 65 who aren't yet eligible for Medicare. Private medically underwritten health insurance is coverage sold outside the ACA marketplace. Underwriters evaluate your individual health to set your premium — so healthy people typically pay far less than on a marketplace plan.
ACA plans cannot deny coverage or vary premiums based on health — but healthy individuals end up subsidizing higher-risk enrollees, which raises everyone's rates. Private plans price based on your personal health profile, which usually means much lower premiums for healthy applicants. You can also enroll anytime — not just during open enrollment.
Yes. I'm licensed for ACA marketplace plans as well as private coverage. If you qualify for strong subsidies or a private plan isn't the right fit for your health situation, I'll help you enroll in the right marketplace plan — same personal service either way.
Unlike ACA plans, private underwritten plans do review your medical history. Some conditions may affect your premium or exclude certain benefits. I'll be honest with you upfront — if a private plan isn't the right fit for your situation, I'll tell you, and we'll get you enrolled in the right ACA marketplace plan instead. I'm licensed for those too.
Nothing — ever. As an independent agent, I'm compensated by the carrier when you enroll. My time and expertise cost you zero. No fees, no pressure, no obligation to move forward.
This is where I'm different. I stay in contact. Got a billing question? Confused by an EOB? Need to change your plan? You call me — not a call center. I'm your agent for the long haul, not just through the paperwork.
Yes! I'm licensed in Florida and 26 other states, and I work with clients by phone wherever they are. Reach out — I'd love to help.
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