Medicare Annual Enrollment starts Oct 15 — book a free plan review now
Let's Make Health Insurance Easy
ACA Health Insurance & Group Benefits, Made Simple
We help Florida individuals, families, and business owners find the right ACA Marketplace plan or employer group benefits package — free, unbiased guidance from a local, family-owned team.
Why Businesses and Families Choose Rising Tides
Whether you need ACA Marketplace coverage for your family or a full group benefits package for your team, we build a plan around your goals and budget.
A family-owned, local St. Augustine team who knows Florida's insurance market
Group benefits for employers of every size, from 5 to 1,000+ employees
ACA Marketplace enrollment support, on-exchange and off-exchange
Year-round support, not just during open enrollment
Clear, honest guidance with no pressure
Strategic planning beyond this year's renewal
Health Insurance & Benefits Services
ACA Marketplace
Open enrollment for 2027 runs Nov 1 – Jan 15. Had a life change? You may qualify for a Special Enrollment Period today.
Group & Employer Benefits
Custom benefits packages for small and large businesses — medical, dental, vision, and voluntary lines.
Medicare
Turning 65 or newly eligible? We'll walk you through Medicare Advantage, Supplement, and Part D.
Dental, Vision & Life
Life, dental, vision, disability and accident coverage that fills the gaps your health plan leaves behind.
Short-Term Health
A quick and temporary solution to your gap in coverage. We have plans that can cover you between 1-12 months.
Your Health Choice, Made Simpler!
Whether it's an ACA Marketplace plan or a group benefits package for your team, getting covered takes three simple steps.
Assess Needs vs Wants
Evaluate your health insurance goals.
Choose Plan
Pick from tailored options.
Get Covered
Secure your family’s future.
Best Health Insurance Agency in St. Augustine
We are honored that Business Rate has awarded us as the Best Health Insurance Agency and Industry Leader in St. Augustine for 2024.
The reward reflects an objective evaluation on current performance metrics like customer satisfaction and recent feedback.
Thank you to our customers and partners for your continued trust with all of your insurance needs.
Frequently Asked Questions
Does it cost more to use a Health Insurance Broker?
No. Plan prices are the same whether you enroll on your own or with us. Insurance carriers pay brokers, so our guidance is free to you, and we can compare plans from multiple carriers side by side.
When is open enrollment for 2027 ACA health insurance?
Open enrollment for 2027 Marketplace coverage in Florida runs November 1, 2026 through January 15, 2027. Enroll by December 15 for coverage that starts January 1. Missed it? A life event may qualify you for a Special Enrollment Period.
What is a Special Enrollment Period?
It's a window, usually 60 days, to enroll outside open enrollment after a qualifying life event. Common examples are losing job-based coverage, moving, getting married, or having a baby. Call us and we'll check whether you qualify.
Are ACA premiums going up for 2027?
For many Florida families, yes. The enhanced federal subsidies expired, so tax credits are smaller and some carriers have changed their plans. Re-shopping your plan this year could save you money, and we'll do the comparison for free.
How many employees do I need to offer group health insurance?
We build group benefits packages for businesses from 5 to 1,000+ employees, including medical, dental, vision and voluntary benefits.
When can I enroll in or change my Medicare plan?
You can first enroll around your 65th birthday. After that, Medicare's Annual Enrollment Period runs October 15 to December 7 each year, when you can switch Medicare Advantage or Part D plans. We'll walk you through Advantage, Supplement and Part D options.
Do you only work with people in St. Augustine?
No. We're based in St. Augustine and serve clients throughout Florida, including Jacksonville, Ponte Vedra, St. Johns County and Palm Coast. Most consultations happen by phone or video.
Testimonials
What Our Clients Say
"Highly Recommend"
"Brian helped improve my small business's health care offerings. He is extremely knowledgeable and has a knack for explaining complex options in easy-to-understand terms for my team." - Jim L.
"Helps through all life's phases"
"Brian helped us with insurance prior to qualifying for Medicare and then navigating Medicare Part D and Medicare Supplement insurance. He continues to provide valuable guidance since retirement." - Ken S.
"Brian Sesniak is the best"
"He is easy to talk to, knowledgeable and intelligent, always makes sure I understand everything and double checks before we hang up the phone. I feel like he really has my back and always answers with complete confidence. Really goes above and beyond for his people and makes me comfortable and laugh. It's really nice to have someone like him I can count on to steer me in the right direction." - Laura W.
"So great to have an insurance advisor & Medicare broker we can count on"
"Brian is so knowledgeable and confident in his services! He has helped us with many things including a "bridge policy" to cover me for time in-between employee coverage and Medicare. He also helped us pick the best supplemental policy and RX policy when it came time for Medicare. He is very thorough and always happy to answer our many questions."
- Melissa S.
© 2026 Rising Tides Benefits Group. All rights reserved.
Not a government website. Rising Tides Benefits Group is not affiliated with, endorsed by, or connected to the Centers for Medicare & Medicaid Services (CMS), the U.S. Department of Health and Human Services, or any federal or state government agency. We do not offer every product available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. We are licensed, independent insurance broker. We represent multiple insurance carriers and may receive compensation from the carriers whose plans we sell. This does not affect the cost of your plan.