Medicaid redetermination is the regular eligibility review that each state’s Medicaid agency conducts to determine whether beneficiaries still qualify for Medicaid or Children’s Health Insurance Plan (CHIP) coverage. The Families First Coronavirus Response Act that protected families from disenrollment ended on April 1, 2023.

During redetermination, you may need to provide updated information. If you no longer qualify for Medicaid based on current eligibility requirements, you may lose your Medicaid coverage. You still have options if you lose your Medicaid coverage. A Florida Blue agent can walk you through affordable health plan options and see if you’re eligible for financial help.

Learn more about Medicaid redetermination

Subsidies are a form of federal financial aid, and help make health coverage more affordable for individuals and families by lowering monthly premiums and out-of-pocket expenses. To be eligible for a subsidy, you must meet specific criteria such as a certain household income and size.

And no, the subsidies (tax credits) for health plans sold on the Health Insurance Marketplace are not going away totally. The extra financial help from the American Rescue Plan Act will end in 2025, and subsidies will be reduced.

While subsidies are expected to decrease due to the American Rescue Plan expiring at the end of 2025, many will still qualify for financial assistance. An exclusive Florida Blue agent can answer your questions and check if you qualify for financial help once enrollment starts.

Take the stress out of enrollment. With some advance planning and a Florida Blue agent's support, you'll be covered in no time.

1. File your 2024 taxes: Make sure you've filed your taxes and reconciled your tax credit using IRS Form 8962. This is required to get a tax credit starting in January 2026.
2. Update your eligibility information: You'll need to provide proof of your current income, such as a paystub, W-2, or 1040.
3. Gather required documents: You'll need to provide documents that show your:
   1. Household income
   2. Immigration status
   3. Citizenship confirmation
   4. Adoption, foster care placement, or court order confirmation (if applicable)
4. Get personalized guidance: Book an appointment with a Florida Blue Agent now.
5. Select a plan by the deadline: Choose a plan and confirm your eligibility for a tax credit by the deadline to avoid any changes to your premium.

If you are losing your Medicaid coverage or your current insurer is leaving the Marketplace, you can enroll in a new health plan during Open Enrollment.

Florida Blue offers a range of affordable health plan options with low-cost monthly payments,¹ if you qualify. A dedicated Florida Blue agent can take you through your options, explain how the Health Insurance Marketplace differs from Medicaid, and help you find a plan to fit your needs and budget.

Learn more about how and when to enroll