MYTH

I’m healthy and don’t need health insurance

FACT

Health insurance helps keep you healthy! You get checkups, vaccines, yearly bloodwork and cancer screenings at no extra cost. Plus, it pays part of your medical bills if you get hurt or sick. The average cost of an ER visit at a Florida hospital is $10,0001 and cancer treatments can cost hundreds of thousands of dollars.2

MYTH

I can’t afford health insurance

FACT

4 out of 5 people can find an Affordable Care Act (ACA) health insurance plan for a $10 or less monthly payment, if you qualify.3 And now, if you get your health coverage through your job, your family members may qualify for an ACA plan with financial assistance.

MYTH

I earn too much to get financial assistance

FACT

More than 174,000 uninsured people in Florida who earned too much before can now get financial help. The cost of an ACA Marketplace plan can’t be more than 8.5% of you family income—and many will pay less!4

MYTH

Finding a plan is too confusing

FACT

Licensed health insurance agents and navigators can walk you through your options and help you enroll in a plan. Health insurance agents will not charge you a fee to help you. You can visit your preferred insurance plan’s website to find one near you.

1http://edocs.dlis.state.fl.us/fldocs/ahc/emergency/2022-07-02.pdf

 

2https://www.healthcare.gov/why-coverage-is-important/protection-from-high-medical-costs/

 

3https://www.hhs.gov/about/news/2022/06/22/fact-sheet-what-happens-premiums-if-extra-help-american-rescue-plan-expires.html   For Individual Exchange plans only, if you qualify.

 

4Based 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.