ObamaCare in Florida
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About Obamacare in Florida
The Affordable Care Act, also known as Obamacare, is a law that was passed to make health insurance more accessible to anyone, and under fairer conditions. More than 9 million people in the U.S. have already enrolled for private health insurance through Obamacare.
The new law introduced a lot of changes to the health system. It ensures that everyone will get the basic coverage at a fair price, and there is also an online place where companies and individuals can meet to discuss their healthcare plans. This exchange, or Marketplace, is where you can search and purchase a plan.
The Marketplace can be accessed at: www.HealthCare.gov. Through this website you can follow up on every single detail of your health insurance. All FL legal residents are eligible to get health insurance under the Affordable Care Act.
Individual & Family Coverage
You can enroll in FL Obamacare during the established enrollment periods. The last Open Enrollment Period ended on March 31, and the next one will be from November 15, 2014 to February 15, 2015. You can also qualify for a Special Enrollment Period if you have had a major life change like getting married or divorced. Also, you can enroll if your current coverage expired or when you turn 26 and are not eligible to use your parents’ plan.
There are five types of plans available in Florida: Bronze, Silver, Gold, Platinum and Catastrophic. The first four can also qualify for tax credits based on your income. All the plans offer the same coverage for ten possible situations such as: doctor visits, hospital stays, trips to the ER, medical equipment, preventive services, lab tests, and prescription drugs. You can also get care before and after a baby is born, and for mental health or substance abuse.
You can enroll during your enrollment period at www.healthcare.gov. The website also offers different options if you need help filling out your application or you can also call 1-800-318-2596.
If you missed the Open Enrollment Period and don’t qualify for the Special Enrollment Period, you can look into getting Medicaid. Since the Affordable Care Act, Medicaid has also extended its range of action, so now many people that didn’t use to qualify can sign up.
Small businesses in Florida can also get health insurance for their employees at a reasonable cost, and even get tax credits in some cases. To qualify, your company must employ 50 people or less, full-time. You can enroll at any time during the year by the 15 of each month for your coverage to start the first day of the following month.
If your company employs less than 25 full-time equivalent employees and pays no more than $50,000 a year per employee, you can ask to receive tax credits applicable towards your monthly premiums. You can get up to 50 percent of your premium in tax credits.
You can enroll through your agent or broker, or by contacting directly an insurance company. Go to www.healthcare.gov to find more information.
You are eligible to receive benefits even if you have a pre-existing condition. No company can deny or suspend you coverage because of an illness or chronic disease. In fact, every insurance company in Florida is obligated to give you the necessary treatment and pay for your expenses, and can’t charge you more for it.
If you have a grandfathered plan, the rules in their contract still apply, so those are the only exceptions to the rule. Grandfathered plans can deny services if you have pre-existing conditions, but you can choose to switch to FL Obamacare when your coverage year ends or during the Open Enrollment Period.