Frequently Asked Questions
The government offers financial help to those who qualify to help pay part of the monthly cost of the health plan. Use HealthCare.gov’s Eligibility Estimator to determine your eligibility.
The government reviews information such as:
- Your household income
- Your family size and individual ages
- Where you live
The amount of financial help you get will be based on this information. If you qualify, you'll pay a lower monthly cost for your health plan.
If you have CHIP coverage, you do not need to take any action.
For information on CHIP, call Florida KidCare at 1-888-540-5437 or Florida Healthy Kids at 1-888-540-KIDS (5437).
While ACA did help strengthen Medicare by lowering prescription drug costs and expanding preventive benefits, it does not impact how you apply or receive Medicare. However, ACA Marketplace plans are not Medicare plans and should not be purchased by anyone who qualifies for Medicare. So, ACA does not affect how you apply for Medicare.
To learn more about Medicare, visit our Medicare Education pages.
When a health insurance plan is ACA-compliant, it means that it conforms to the regulations enacted by the Affordable Care Act (Obamacare). These compliant plans must include coverage for ten essential health benefits (EHBs):
- Emergency services
- Ambulatory patient services (outpatient care received without being admitted to a hospital)
- Preventive and wellness services
- Pediatric services (includes vision and dental care)
- Prescription drugs
- Mental health and substance use disorder services
- Pregnancy, maternity, and newborn care
- Rehabilitative and habilitative services and devices
- Lab tests
ACA-compliant plans also have other rules and regulations they must follow and meet, but the specifics can be different depending on the type of health plan.
According to Healthcare.gov, the purpose of the Affordable Care Act was to help more people in the U.S. get health insurance coverage by reducing the cost of coverage for people who qualify for it. As a health care reform act, its goal was to improve the quality of health care and health insurance and to reduce spending related to health care in the U.S.