The state of Florida currently does not have a state-run health exchange, where you can get quotes directly.
Instead, the federal health exchange will direct you to a number of approved insurance brokers and exchanges. Some of these are privately owned. Others will be directed to those that are publicly held, for-profit companies.
As a basis for comparison, we encourage you to get quotes from other insurance coverage providers. Specifically, you should have health insurance quotes from current providers as a base for comparison against the federal health exchange-approved providers. This will provide a better range of plans, pricing information and overall access to affordable healthcare benefits.
If you would like to shop plan pricing without having to register with the federal exchange website, you can do so by using the form below. It will allow you to review price estimates. Please note that in order to determine how much of a subsidy you or your family is eligible for, it is required that the information you provide in this form be accurate. If you have questions and would prefer to speak with someone over the phone, our phone number is located in the middle of our homepage.
Obamacare in Florida
Obamacare is the more familiar name given to President Obama’s healthcare reform legislation. It is more formerly known as the Patient Protection and Affordable Care Act 2010, which has been shortened to the Affordable Care Act (ACA).
The healthcare exchanges
Among the many provisions the ACA provides are the state-based health insurance exchange marketplaces. These are designed to make it easier for those shopping for insurance to participate in the federally regulated and subsidized plans. The exchange exists to help offset healthcare costs. The federal government assumed full responsibility for the Obamacare in Florida exchange in 2014.
Patient protection provisions
Under the ACA, some of the most significant changes to healthcare are:
- Protections against unjustified rate hikes
- The insured’s right to appeal decisions made by their insurance company
- Allowing young adults to remain on their parent’s insurance policies until they reach the age of 26
- Eliminating coverage exclusions due to pre-existing conditions
- Preventing insurance companies from cancelling coverage due to illness or as a result of honest mistakes that may have been made on the insurance application
The law of large numbers
The principle of insurance has always been one of pooling resources for the betterment of all concerned. The basic concept is to have more in the pool contributing than are using the resources in order to have sufficient funds for all. This is known as the law of large numbers. The ACA also has provisions to ensure that everyone participates in the pool in order to be fair.
Who qualifies for the exchange?
Provisioned in the ACA was the requirement that all nonexempt Americans had to purchase health insurance by 2014. If not, they faced the penalty of a tax imposed by the Internal Revenue Service (IRS).
Those people who already had insurance were not compelled to change their existing plans. The federal marketplace offers tax credits to lower- and middle-income families and individuals who are earning between 100 and 400 percent of the federal poverty level.
Florida is among those states that have chosen not to expand their Medicare coverage. Ultimately, the purpose of the ACA is to help provide affordable health insurance to all Americans.
You can use the links below to get quotes direct from national insurance providers.