Obamacare Health Insurance Plans in Florida

Obamacare (the Affordable Care Act) allows Floridians to purchase regulated health insurance through the Marketplace at Healthcare.gov. Plans must cover pre-existing conditions and 10 essential health benefits. Premium subsidies are available based on household income.

Most U.S. citizens and legal residents in Florida who are not eligible for Medicare or Medicaid can enroll in ACA Marketplace plans. Premium subsidies are available for households earning between 100% and 400% of the Federal Poverty Level, with enhanced subsidies potentially available above 400% FPL.

The ACA Open Enrollment Period in Florida runs from November 1 through January 15 each year. Coverage for plans selected by December 15 starts January 1. Plans selected between December 16 and January 15 start February 1.

With ACA subsidies, many Floridians qualify for plans with $0–$100/month premiums. Without subsidies, individual plans typically range from $300–$600/month. A licensed agent can calculate your exact subsidy and compare available plans for your zip code.

Yes. ACA plans cannot deny coverage or charge higher premiums based on pre-existing conditions. This applies to all ACA Marketplace plans in Florida.

If you missed Open Enrollment and have a qualifying life event (job loss, marriage, birth of a child, etc.), you may qualify for a Special Enrollment Period. Without a qualifying event, you generally must wait until the next Open Enrollment Period.