The Affordable Care Act in Florida

What is the Affordable Care Act in Florida? The Affordable Care Act in Florida, commonly called Florida ACA, provides increased health insurance availability to individuals and families by expanding the criteria for eligibility, providing tax credits, offering subsidies for lower-income residents and by opening access to the health insurance Marketplace. Florida ACA includes a Marketplace, which is a health insurance exchange that connects participating insurers with anyone requiring health insurance coverage. The Affordable Care Act in Florida has more 1.7 million registrants since the ACA began in 2014. By reviewing FL Affordable Care Act information, patients can learn how to obtain financial breaks when it comes to pricey health coverage policies.

The Affordable Care Act in Florida requires all individuals to obtain health insurance coverage unless qualified for an exemption. Health insurance coverage can be obtained through an employer, a private health plan or through Medicare, Medicaid or the Children’s Health Insurance Program (CHIP). Failure to obtain health insurance coverage under Florida ACA policies may result in a fine each year.

Those wondering about how the Affordable Care Act in Florida can be of assistance are typically residents without health insurance coverage, or those who are in danger of losing coverage. Even Florida residents with health care coverage may discover better benefits or increased savings through the Marketplace. Participants in the Florida ACA that purchase health insurance coverage via the Marketplace can apply for financial assistance, based on income, to lower the cost of premiums and to reduce out-of-pocket expenses. The Florida ACA Marketplace offers hundreds of health insurance plans, though not all are available throughout the state. All health insurance plans offered via the Affordable Care Act in Florida’s Marketplace cover essential benefits, such as doctor’s services, inpatient and outpatient care, prescription drugs, preventative services, mental health services, rehabilitative and habilitative services and more. By requiring all plans to offer coverage for essential medical services, participants can effectively compare health insurance plans. Health insurers participating in the Florida ACA Marketplace must cover these benefits, but can also cover other health services, such as dental and vision.

Florida residents seeking Affordable Care Act information can read more about the Florida ACA expansion, eligibility requirements for patients, as well as how to apply, what health coverage plans are available and the costs associated in the following sections:

  • Did Florida accept the ACA Expansion?
  • Eligibility for Obamacare in Florida
  • How to Apply for Obamacare in Florida
  • Health Plan Cost and Availability in Florida

Did Florida accept the ACA Expansion?

The ACA Medicaid expansion was offered to states a few years ago, with the understanding that not all states had to approve it. Florida, after some deliberation, determined not to embrace the Affordable Care Act Medicaid Expansion, citing cost concerns. Affordable Care Act Medicaid eligibility through the extension would have offered Florida residents health coverage if their annual incomes fell below 138 percent of the federal poverty level. At the time, those rates translated to approximately $26,400 for a typical family, and only $15, 417 for single taxpayers. The ACA Medicaid expansions were signed into federal law in 2012, but currently only 29 states have agreed to the expansion. Read More

Eligibility for Obamacare in Florida

Obamacare coverage eligibility requirements in Florida begin with an individual – or a family’s – income level. Florida has one of the largest enrollment populations in the ACA, with nearly 11.7 million consumers selecting a healthcare plan. While most Floridians who originally applied to the ACA qualified for a subsidy, the largest population that benefited from the ACA rollout were those Florida residents who were able to get health care plans and coverage for $100 or less, after healthcare subsidies were applied. Read More

How to Apply for Obamacare in Florida

To find out how to enroll in Affordable Care Act health plans in Florida, applicants need only a few important documents and access to a computer. Those Florida residents who do not have access to computers can either use one at the local library, or go to a local insurance agency, where the staff will be more than happy to help with how to apply for Obamacare insurance in the state of Florida. Many Floridians wonder how to get Obamacare, as the rules can often be confusing. However, the vast majority of Floridians find the sign-up process for ACA insurance to be fairly straightforward. Read More

Health Plan Cost and Availability in Florida

Obamacare health insurance plans costs in Florida are the most cited reason for either signing up for Affordable Care Act (ACA) health care plans, or walking away from them. Since its implementation in 2010, Obamacare has been difficult to understand, especially because there are plenty of exceptions to the health plan rules. Most of the FL ACA insurance price estimates are merely starting points, but many new users of the system do not realize that. In other words, if a health plan or a price does not work well for an individual or his or her family, by adjusting data entered (within legal means), a better price can be generated. This is especially true for those who would like to know if they qualify for subsidies. Read More


What Assistance Benefits Does the Department of Children and Families Provide?

Various assistance benefits are available to residents of Florida through the Department of Children and Families (DCF). Families can receive benefits that allow them to buy nutritious groceries, save money on school lunch for their children and obtain temporary financial assistance. Additionally, petitioners who qualify for one assistance program are also typically eligible for other benefits in Florida. Find out how to qualify for benefits through Florida’s DCF and how to apply for them by downloading our comprehensive guide.


Who Can Receive Assistance Benefits in Florida?

Each assistance program offered through Florida’s Department of Children and Families has various eligibility qualifications that petitioners must meet in order to enroll. Household size and income are only a few factors that are typically taken into account. For more details on eligibility for Florida DCF assistance programs, download our guide.