Where do I fit in?
I don't have insurance.
The Affordable Care Act requires almost everyone to have insurance. If you can afford health insurance, but do not have or enroll in coverage, then you may have to pay a fee. A subsidy, or premium tax credit, can help lower the cost of your monthly premium, if you qualify.
Other government subsidies, called Cost Sharing Reductions, may also be available to help lower the cost you would pay for a doctor visit or for a medication. You can also reduce “out-of-pocket costs” by seeing certain doctors, hospitals, and specialists, referred to as “preferred providers.” A Florida Blue agent can help you find out if you qualify for the Cost Sharing Reduction subsidy and enroll you in a plan that's best for you.
You can buy a Florida Blue health plan for 2017 coverage on these dates:
- October 1, 2016 – You can enroll in a plan directly through Florida Blue.
- November 1, 2016 – If you qualify for a premium tax credit, also called a ‘subsidy’, you can enroll in a Florida Blue subsidy-eligible plan starting November 1, 2016.
I have insurance.
Now you have new plans to choose from when you have a qualifying life event or need new health insurance coverage. You may also qualify for help from the government to pay for part of your monthly premium. This is called a premium tax credit or a subsidy. We can help you find out if you qualify for a premium tax credit and find a plan to meet your needs.
Most companies will continue to offer insurance to employees. You don't need to make any changes if you have insurance through your employer. If circumstances change, and you need to purchase a health plan, we can help you choose the most affordable option.
I have Medicaid.
If you currently have Medicaid coverage, you do not need to take any action. If you have Medicaid and buy another type of health insurance, you may no longer be able to keep Medicaid.
I have CHIP.
If you have CHIP coverage, you do not need to take any action.
I have Medicare.
Your Medicare benefits will continue under the health care reform.