Obamacare Health Insurance in Florida

Yes. The Affordable Care Act remains federal law and the Marketplace operates every year. The specific rules around financial help have changed over time, which is why it is worth checking your current eligibility rather than assuming it matches what you heard a few years ago.

There is no federal penalty. The federal individual mandate penalty was reduced to $0 starting in 2019. A handful of states impose their own penalty — Florida is not one of them.

Not for health reasons. Carriers cannot reject you, charge you more, or exclude a condition based on your medical history. The only limits are on when you can enroll, not whether.

No. Medicaid is a separate program with its own income rules. Some people who apply through the Marketplace turn out to be Medicaid-eligible instead, and an agent will tell you if that is the case for you. Note that Florida did not expand Medicaid, which leaves some lower-income adults in a coverage gap — an agent can tell you honestly where you fall.

Yes. Our licensed agents are compensated by the insurance carriers, not by you. Your plan costs the same whether you enroll through us or on your own.

No. Agents walk you through what you qualify for and what each plan costs. If nothing fits, that is a fine outcome and the call still costs you nothing.