Obamacare Health Insurance Plans in Boca Raton, Florida
When Obamacare took effect and required most citizens of the United States to purchase health insurance coverage, Florida elected to participate in the marketplace run by the federal government. When you enroll in Obamacare-compliant health plans sold via the health insurance exchange, you can apply for income-based financial assistance as well as have many other options to lower your monthly out-of-pocket expenses and health insurance premiums for healthcare.
What is Florida Obamacare / ACA?
Obamacare, also commonly known as Affordable Care Act (ACA), was signed into law in March 2010. The primary goal of Obamacare is to reduce the healthcare expenses for families and individuals in the country and to provide citizens of the United States with affordable health insurance.
Following are the key points of Florida Obamacare/Affordable Care Act:
- Lowering healthcare cost and improving the quality of healthcare
- Employer mandate | individual mandate
- New consumer protections
- Access to affordable healthcare
- Minimal essential coverage for all health insurance plans
How to Apply for Florida Obamacare through American US Insurance
Florida Obamacare marketplace is run by the federal government. If you want to apply, you may visit healthcare.gov to access the Florida Health Exchange Marketplace, but you may also contact one of our licensed professionals at American US Insurance at 1-800-868-9170 to help you with the enrollment process. In our office, we can help you find a health plan that best suits your needs and do an extensive research of your options among all different plans available to save you time, money and most important, reduce underwriting and registration errors. We will look at a variety of insurance plans and check contributing doctors that may be of your trust before choosing the final health insurance plan you’re most comfortable with.
When Can I Apply for Florida Obamacare?
The open enrollment period occurs once every year and allows citizens to freely make changes to their healthcare coverage. Our licensed agents at American US Insurance can help you purchase your medical coverage through the Obamacare’s Health Insurance Marketplace during the open enrollment period. The next open enrollment period is expected to start on November 1st, and will last until December 15th and this happens annually. This is the time to select the best coverage plan to cover you during the next following year. During the enrollment period, you will be able to:
- Choose a plan for the first time
- Re-enroll in your current plan
- Make changes to your current insurance plan
- Choose a new plan to replace your current plan
Special Enrollment Period
If you have certain life changes, you can enroll or change your plan year-round. These changes include:
- Change of family structure: If you have a death in the family, you get married, divorced, or have/adopt a child.
- Losing primary health coverage: If you lose health coverage that meets the standards of the government.
- Moving to a new state: If you permanently relocate to a new state.
- Change in subsidy eligibility: If you lose eligibility or become eligible for subsidies.
- Government error: If you enroll, change, or lose coverage due to an error committed by an agent, employee, or officer of the Exchange or the Department of Health and Human Services.
- Change of citizenship status: If you become a US citizen or national.
Any of these life events allow you to change your coverage under an S E P. If you qualify for a Special Enrollment Period, you have up to 60 days following the event to enroll in a plan. If you miss that window, you must wait until the next Open Enrollment Period to apply.
What is the cost of Florida Obamacare?
The cost of Obamacare in Florida depends on the plan you choose as well as the number of people in your household and your projected income. There are four different tiers within Florida Obamacare. Each plan is based on a metal name. The metal plans represent what the plan pays for coverage as well as the different levels of coverage you receive. However, keep in mind that plan levels don’t represent the overall quality of the doctors/health coverage you receive. Bronze plans have the lowest insurance premiums (monthly cost) and Platinum plans have the highest insurance premiums:
- Bronze Plan: You pay 40% of the cost, 60% of the cost is paid by the plan.
- Silver Plan: You pay 30% of the cost, 70% of the cost is paid by the plan.
- Gold Plan: You pay 20% of the cost, 80% of the cost is paid by the plan.
- Platinum Plan: You pay 10% of the cost, 90% of the cost is paid by the plan.
Depending on the plan you choose and your income, you can have your medical coverage from:
-$0 Monthly Payment
Eligibility Requirements of Florida Obamacare
The eligibility requirements of Florida Obamacare begin with the income level of an individual or family. There are other set of factors that determine the Obamacare coverage eligibility requirements in Florida. Everyone can access healthcare, regardless of income. However, if you are a Florida resident and would like to receive subsidies, then you will need to consider several qualifying factors.
In order to get Florida Obamacare, following are the requirements that you must meet:
- Must live in Florida
- Have a valid Social Security Number
- Cannot be currently incarcerated
- Must be a US citizen or lawfully present immigrant
- Must meet a minimum and maximum income level to qualify (see below)
2019 POVERTY GUIDELINES FOR FLORIDA
Household Size Minimum Income Level Maximum Income Level
- $12,490 $49,960
- $16,910 $67,640
- $21,330 $85,320
- $25,750 $103,000
- $30,170 $120,680
- $34,590 $138,360
- $39,010 $156,040
- $43,430 $173,720
For families or households with more than 8 persons, add $4,420 for each additional person.
Using Your Health Insurance Coverage
Our dedicated team of experts at American US Insurance will help you answer any questions you may have regarding your health insurance plan through Obamacare / ACA, but if you have any questions regarding specific areas of your coverage, then it is recommended that you contact your insurance company for answers. This is because only your insurance company can answer specific questions about medical equipment, treatments, medications, doctors, and what is and is not covered under your plan.
Florida Obamacare has many different options, even though; there are maybe a few reasons why you don’t have health insurance coverage or don’t qualify for Obamacare credits at all.
- Your income is to high based on the guidelines
- You missed the open enrollment dates
- You live in the state of Florida, but are not legalized in the United States
- You may be in the state just as a visitor or for a short period of time
Whichever might be the situation, there is always a solution. You may qualify for one of the many health insurance plans available through regular markets, Short Term Plans, Medical Discount Plans and other choices. Contact American US Insurance to help you find a plan that best suits your needs.
Remember that our professional licensed insurance agents in Boca Raton Florida, including the Ft Lauderdale, Miami, Miami Beach, Orlando, and West Palm Beach areas, can assist you in finding the right health insurance coverage you need. Call us anytime at 1-800-868-9170 for a FREE, no obligation consultation about your Obamacare Health Insurance plans available.