Welcome to the fastest way to find out about affordable care act in Florida. Here, you’ll find clear and accurate information about affordable care act, including: whether or not you must get health insurance what the available plans cover how much coverage will cost how to sign up for a plan, and how to get help if you need it. To begin, keep in mind these key points about affordable care act in Florida: 1. You are legally required to have health insurance, unless you qualify for an exemption. The Affordable Care Act requires you to enroll in a health insurance plan unless you qualify for an exemption from the law.
You will report whether you have coverage — or whether you are exempt — when you file your taxes in April. To learn whether your current health plan satisfies the requirements of affordable care act or to find out whether you qualify for an exemption, see Do I Need to Get Obamacare in Florida? 2. Open enrollment has ended for 2015, but you can still get Obamacare if you qualify for a special enrollment period. For 2015, affordable care act open enrollment period ended on February 15. This means that, unless you qualify for an exception, you can’t obtain health insurance through The Florida Health Insurance Exchange until the next open enrollment period begins.
The easiest way to sign up for a health plan under the Affordable Care Act is to go to the online health insurance marketplace for Florida. If you’re not ready to enroll right now, you can get more information online, over the phone, or in person. Where’s The Florida Health Insurance Exchange? You can find the health insurance exchange for Florida. This is where you can learn about the various health insurance options available to you under affordable care act. If you see a plan you like, you’ll be guided through the enrollment process online. You might not see any mention of the Affordable Care Act when you visit the exchange website, but rest assured you’ve landed in the right place.
The exchange was established solely for the purpose of informing consumers about the Affordable Care Act and providing plans under the law. Getting In-Person Help with Enrollment In Florida, if you need help understanding your options for coverage under affordable care act or signing up for a plan, you can get free assistance from a trained “navigator” or certified application counselor. According to the U.S. Department of Health and Human Services, navigators “provide unbiased information to consumers about health insurance, the new Health Insurance Marketplace, qualified health plans, and public programs including Medicaid and the Children’s Health Insurance Program.” Navigators and certified counselors aren’t allowed to recommend a plan for you. Rather, they can explain your options, answer your questions, and help you apply for the plan you choose. Private insurance agents or brokers can also help you understand your health care coverage options under the affordable care act. Unlike government-trained navigators and counselors, they are allowed to suggest the best plan for you. To find a navigator or certified application counselor in Florida, go to Find Local Help at HealthCare.gov. There, you enter your city and state or zip code to get a list of helpers available in your area.
The affordable care act Florida The state of Florida currently does not have a state run health exchange where you can get quotes direct. Instead the federal health exchange will direct you to a number of approved insurance brokers / exchanges. These are privately owned and or publicly held for profit companies that you will be directed to. We have provided a link below to the Federal Exchange. As a basis for comparison, we encourage you to get quotes from other insurance coverage providers. By having health insurance quotes from current providers as a base for comparison against the Federal Exchange approved providers, you will have a better range of plans, pricing information and overall access to affordable healthcare benefits.
Affordable care act in Florida, the more familiar name given to President Obama’s health care reform legislation, is more formerly known as the Patient Protection and Affordable Care Act 2010, which has been shortened to the Affordable Care Act (ACA). The Healthcare Exchanges Among the many provisions the ACA provides are the State based Health Insurance Exchange Marketplaces designed to make it easier for those shopping for insurance to participate in the Federally regulated and subsidized plans. The exchange exists to help offset healthcare costs. The federal government is going to assume full responsibility for the affordable care act in Florida exchange starting in 2014. Patient Protection Provisions Under the ACA, some of the most significant changes to healthcare are: Protections against unjustified rate hikes.
The insured’s right to appeal decisions made by their insurance company Allowing young adults to remain on their parent’s insurance policies until they reach the age of 26 Eliminating coverage exclusions due to pre-existing conditions Preventing insurance companies from cancelling coverage due to illness or as a result of honest mistakes that may have been made on the insurance application The Law of Large Numbers The principle of insurance has always been one of pooling resources for the betterment of all concerned. The concept is to have more in the pool contributing than are using the resources in order to have sufficient funds for all. This is known as the law of large numbers.
The ACA also has provisions to ensure that everyone participate in the pool in order to be fair. Who Qualifies for the Exchange? Provisioned in the ACA is the requirement that all non-exempt Americans purchase health insurance by 2014 or else face the penalty of a tax imposed by the Internal Revenue Service (IRS). Those people who already have insurance are not compelled to change their existing plans. The new health care exchange is now open offering tax credits to lower and middle-income families and individuals who are earning between 100 and 400 percent of the federal poverty level. Florida is among those states that have chosen not to expand their Medicare coverage. Ultimately, the purpose of the ACA is to help provide affordable health insurance to all Americans.