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Obamacare in Florida

Obamacare, also known as the Affordable Care Act, has made health insurance possible for approximately 1,596,296 Florida residents as of Feb. 22. While nearly 11.7 million consumers nationwide have entered the marketplace and selected plans, Florida enjoyed the highest per-capita enrollment of any state in the US. 

93 percent of the sunshine state’s population qualified for an average of $294 in subsidies through the healthcare marketplace. Nearly 72 percent of enrollees in Florida were able to receive coverage for less than $100 after subsides. For more information on Florida healthcare, or how to qualify for Obamacare in the state, refer to the topics below.

  • Did Florida accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in Florida?
  • Eligibility for Obamacare in Florida
  • How to apply for Obamacare in Florida
  • Health plan cost and availability in Florida

Did Florida accept the ACA Medicaid expansion?

What is the Obamacare Medicaid expansion, and was it adopted in Florida? The Affordable Care Act Medicaid expansion extended Medicaid coverage to families and individuals with incomes that fall below 133 percent of the federal poverty levels. The expansion, should a state choose to adopt it, provides coverage for individuals without children and young adults the first time.

The ACA Medicaid expansion was not adopted by Florida due to concerns about the ACA Medicaid expansion cost to states, which in its estimation, would ultimately harm the very citizens it proposed to assist. While Obamacare Medicaid expansion is not available in Florida, the state is eligible to adopt the program at any time.

What is the expansion of Medicaid? For many states the expansion of Medicaid was implemented with the assistance of the federal government, who would cover the complete costs of the program for the first three years. Thereafter, the state government would have to cover at least 10 percent of the cost. This additional 10 percent cost was one of several issues Florida had with the Obamacare Medicaid expansion details. Individuals who believe they would still qualify for the program can obtain an Obamacare Medicaid eligibility form, and then submit the Obamacare Medicaid application to the local healthcare services office for processing.

Does the state or federal government run the health insurance exchange in Florida?

In the state of Florida, residents can select from Obamacare health insurance exchange plans. The exchange is federally maintained to ensure that the health insurance exchange regulations are being maintained. However, the Florida Health Insurance Marketplace is what Florida residents will see when shopping for Obamacare in their state.

What is the health insurance exchange in Florida? The Obamacare healthcare marketplace is an online marketplace where residents can review healthcare plans, learn what subsidies they qualify for, as well as determine how much out-of-pocket costs they would be required to pay.

What is the marketplace for health insurance in FL? The Florida healthcare exchange is for candidates who meet the following criteria:

  • Are uninsured
  • Are not currently on Medicare
  • Do not currently receive insurance coverage from an employer
  • Have pre-existing conditions
  • Want additional healthcare options

Florida healthcare is federally mandated and those who do not sign up for Obamacare are required to pay a penalty at tax time. If a potential applicant is already covered by Medicaid, Medicare, an employer or TRICARE, then the Marketplace will not be necessary.

Eligibility for Obamacare in Florida

What are the requirements to apply for Obamacare in FL?” In order to apply for Obamacare in Florida, applicants must show documented proof of:

  • Residency in the county where the application is filed
  • U.S. citizenship
  • Household size, and income.

Given these requirements, who is eligible for Obamacare in FL?  Many individuals qualify for Obamacare in FL, which has contributed to its success in the state. However, new applicants should learn how to qualify for Obamacare subsidies and tax credits before applying. FL Obamacare income requirements are only used to determine what plans a candidate qualifies for, and what the premiums will be. Obamacare coverage eligibility requirements in Florida only stipulate that the applicant not be currently incarcerated or receiving Medicaid or Medicare. 

How to Apply for Obamacare in Florida

Florida applicants can learn how to apply for Obamacare insurance and see what is needed to sign up for Obamacare online, or by picking up an application from a participating insurance agent. Many Obamacare applicants choose to sign up online, but will first need to know what is needed to sign up for Obamacare before beginning the process. Candidates wanting to apply in person should check online to find out where to apply for Obamacare in their local community.

Candidates wonderin, “What do I need to apply for Obamacare?” should know that they will have to gather a few documents to be able to complete the application process. Documents pertaining to income, such as pay stubs or current tax returns, will be useful, as will social security cards, current insurance policies, and information about the applicant’s family and medical history. Many Floridians ask, “Can I apply online for Obamacare?” and the answer is most definitely, yes. In fact, applying online is the easiest way to view and select a plan. Applicants who would like assistance learning about how to get Obamacare in Florida or how to enroll in Obamacare can call the Marketplace number and receive personal assistance.

Health Plan Cost and Availability in Florida

How much does Obamacare cost the average Floridian? With the program’s implementation in 2010, the ACA reduced many of the associated costs of healthcare. Most preventative services cost the beneficiary nothing, and the prescription drug program lowered costs on several of the most commonly prescribed medicines.

Obamacare health insurance price estimates in Florida calculate that a typical 40 year old, nonsmoker, could expect to pay on average $303 for a bronze plan, $369 for silver, $419 for gold, and $487 for platinum plans. Potential candidates often ask, “How much will Obamacare insurance cost me in FL?” Obamacare health insurance plans costs can vary widely from county to county in Florida, and are dependent on the applicant’s household size, income, and other factors.

In 2015 there were 14 insurance carriers in the state, but as of 2017 that number will likely drop to 8. Plan availability can vary, and many counties will only have a couple of carrier choices.