ACA Marketplace plans can help a wide range of individuals

Woman with two kids

Is This You?

  • Self-employed or independent contractor

  • Your employer offers health coverage, but you can’t afford to add your family members onto that same plan

  • Unemployed or working fewer hours than normal

  • Not working because you’re caring for children or elderly parents

  • Never had insurance and not sure how it works

  • Think you can’t afford coverage or don’t need it because you’re healthy

  • Putting your own care last so your family can get care

  • Plan to pay for health care as you go

  • Waiting until you qualify for Medicare

Know the Facts

Make sure you know the facts about health insurance so you can make the right decision for you and your loved ones.

Many People Are Eligible

Many people, including those with several immigration statuses, can enroll in health insurance through the ACA Marketplace.

Coverage Could Be As Low As $0 If You Qualify

The federal government increased financial assitance to help more people afford health insurance through the ACA. 

Tips to Help Choose a Plan

Shopping for health insurance doesn't have to be overwhelming. Asking a few key questions can help you find the right plan for your budget.

More working families now qualify for financial help

If you get your health coverage through your job, your family members may qualify for an ACA plan with financial assistance.

Health Challenges for Black and Hispanic Families

Black and Hispanic people often face unique health challenges, making health coverage even more important.

Don't leave money on the table

      

9 out of 10

people in Florida with ACA plans got financial help in 2022.1

 

 

$10

or less per month is what more than 1 in 3 people in Florida paid for an ACA plan in 2022.2

 

 

$0

is the amount 174,000 more uninsured Floridians could pay for their monthly insurance premium.1

 

 

269,000

is the estimated number of people in Florida with access to insurance through their job whose family members can now get an ACA plan with financial assistance.

$129,000

is how much parents in their 50s with 2 teenagers can earn and only have a monthly payment of $10 after financial help.4

$40,400

is how much a 28-year-old single person could earn and pay $10 a month after financial help for her health plan.4

The More You Know About Health Insurance, the Easier it is to Make Decisions

Ready to shop?

You have options. If you don't know where to start, working with an agent or navigator may be the best option for you. They can make the process easier. If you want to try doing it on your own, you can visit healthcare.gov and start looking at your plan options.

Talk to or video chat with an insurance agent

They’ll work with you to understand your family’s needs, help find out if you qualify for a subsidy, and enroll you in the plan that best meets your needs and budget.

Check with your preferred insurance company to find an agent near you

Contact a health navigator

Health Navigators are not tied to any one type of health plan. And they can help you understand which health plan options in the Marketplace are available to you.

Call or visit the Marketplace

You can call the Health Care Marketplace directly for help 24 hours a day, 7 days a week. They can help you enroll in a plan and see if you qualify for financial help. 

1Based on actuarial analysis of the 2019 American Community Survey Public Use Microdata Sample (PUMS), with adjustments due to Covid-19 of Florida’s Medicaid Growth from the Agency for Health Care Administration, individual enrollment growth from CMS’ 2022 Open Enrollment Report and job losses from the Bureau of Labor Statistics.

2https://www.cms.gov/research-statistics-data-systems/marketplace-products/2022-marketplace-open-enrollment-period-public-use-files

3https://www.kff.org/health-reform/issue-brief/the-aca-family-glitch-and-affordability-of-employer-coverage

4Based on American Rescue Plan subsidies for a Bronze plan in Monroe County, FPL and benchmark premiums in other Florida counties for 2023.

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