Florida Health Insurance Quotes

Florida health insurance quotes – No Hassles, No Obligation, and no annoying phone calls.

Florida Health Insurance

With the introduction of the Affordable Health Care Act, or Obamacare as it is known by many, all Americans (with some exceptions) are now required to have health insurance coverage in Florida. While having health care insurance definitely has its benefits, you may also be concerned about finding the right plan, avoiding fees and navigating the whole new system?

The Affordable Care Marketplace was introduced as a way for you to shop for health insurance plans from a variety of private providers, all in one place. However, it can still be challenging and confusing. If you live in Florida, and need help finding the right plan, we can help you. Here are some basics you will need to know.

Choose Your Type Of Coverage!

Start here to find out if you qualify for help in paying your health insurance premiums!
  • Premiums as low as $0
A great alternative to COBRA. Also perfect if you missed Obamacare open enrollment.
  • 1-12 months of coverage
Shop and compare dental insurance plans, options, and rates in 5 minutes or less.
  • On or off Marketplace
If you do not qualify for a subsidy, shop your options here to avoid the tax penalty.
  • Quotes in 5 minutes or less

When can I enroll in private health coverage through the Marketplace?

Each year there is an open enrollment period which is the time when you are able to shop for, and enroll in, your health insurance plan. Under normal circumstances, this is the only time during the year that you can enroll. Open enrollment is coming up for 2017 on November 01 of this year. It will continue through Dec 15, 2017. After the Open Enrollment period has passed, a person will have to meet certain requirements in order to enroll in private health insurance.

What kind of health insurance plans are offered through the Marketplace?

Within the Marketplace, there are five basic categories that healthcare plans are going to fall into. The difference between the plans is based on the amount that the plan will pay for health costs. The five types of plans are:

  • BRONZE: On average, you will pay 40% of the health care costs, while the plan covers 60%
  • SILVER: You will pay 30% of health care costs, while the plan covers 70%
  • GOLD:  You will pay 20% of health care costs, the plan will cover 80%
  • PLATINUM:You will only pay 10% of the health care costs, while the plan covers 90%
  • CATASTROPHIC: This plan will pay 60% of the health care costs on average. However, this is only available if you are under 30 years of age, or if you can claim a hardship exemption.

What health benefits are covered under Marketplace plans?

When looking at Marketplace plans, you are going to find that all plans must offer the same 10 minimum essential health benefits which were laid out in the Affordable Health Care Act. These benefits are going to include the following:

  • Prescription Drugs
  • Hospitalization
  • Laboratory services
  • Ambulatory patient services
  • Emergency services
  • Care during Pregnancy, maternity and after birth
  • Mental health and substance abuse disorder services
  • Rehabilitation services
  • Habilitative services and devices
  • Preventative treatment
  • Disease management
  • If you have children, then your plan must include the pediatric dental and vision care. However, adults are not required to have this coverage. These are considered essential benefits that all plans have, however, some plans do include more coverage. For example, some plans may offer birth control options, and others won’t. When comparing health plan options, you will want to look for extra coverage.

What’s the tax penalty if an individual or family chooses to not have coverage?

  • 2014: For an individual the penalty is $95 per adult or 1% of income whichever is greater.
  • 2014: For a family the maximum penalty will be $285 or 1% of your income
  • 2015: For an individual the penalty is $325 per adult or 2% of income whichever is greater .
  • 2015: For a family the maximum penalty will be $975 or 2% of your income
  • 2016: For an individual the penalty is $695 per adult or 2.5% of income whichever is greater .
  • 2016: For a family the maximum penalty will be $2085 or 2.5% of your income

There are situations in which you do not have pay the fee for not having coverage. For example, if you can prove that you have had a hardship during this year, then there is a chance that you will be exempted from paying the penalty.

Our Florida health insurance quoting technology allows you to instantly view, and compare side by side, the price, features, and financial ratings of Florida health insurance providers; all in the privacy of your own home or business. You can check you to see if you qualify for a subsidy and even apply without all the confusion.

Click Here and then choose the type of health insurance you need!

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