Family Health Insurance Plans in Florida

Health Insurance Plans for Families

The Patient Protection and Affordable Care Act, also known as Obamacare or simply the ACA, has proven to be very beneficial to families across the United States in obtaining adequate health insurance benefits.

The ACA was signed into law in 2010 by then-President of the United States Barack Obama, hence its nickname of Obamacare. Obamacare was the first major change within the health insurance system in the United States in several decades and it is designed to lower the cost of money that was being paid out for uncompensated care by middle to low-income families. Although the plan originally required anyone that did not have some type of health insurance to pay a tax penalty at the end of each year, that individual mandate was abolished in 2017 under President Donald Trump.

What Does Obamacare Cover?

The Affordable Care Act covers an array of different medical services, such as newborn care, hospitalization, outpatient care, pregnancy, emergency room care, rehabilitative services, pediatric care, laboratory services, and even mental health and substance abuse disorder services.

Under the Obama care plan, no insurance company is allowed to refuse to cover someone under a health insurance plan or to charge a person more for their health insurance plan if they have a pre-existing condition. For example, if someone suffers from diabetes, it is considered a pre-existing condition when they apply for a different health insurance plan, but they cannot be turned away because of that and the new plan must cover all of their medication and treatments for their diabetes.

Who is Eligible for Obamacare?

To be eligible for Obamacare, you must be a United States citizen, and national, or an immigrant that is lawfully present in the United States. This means that certain people that fall under various immigration statuses may qualify to apply for Obamacare through the Healthcare Marketplace. This is an online website that allows families and individuals to sign up for either family or individual health insurance plans.

There are some exceptions, which include people who are incarcerated in jail or prison and anyone who has Medicare coverage will not be eligible for Obamacare benefits through the Marketplace.

The three main goals of Obamacare include making health care insurance more affordable, as well as available, to more people than it has been in the past. Providers can get a premium tax credit as well as families, which can lower the cost for each household overall. This applies to families who make between 100 percent and 400 percent of the poverty level in income. People who have an income level above 140 percent of the poverty level may still apply because they may very well qualify for this premium tax credit under the new tax laws of 2022. A family or individual with a gross income that is at or below 150 percent of the poverty level may qualify to enroll through the healthcare marketplace online during special enrollment. The regular enrollment period every year is from November 1st to mid-December, but there are exceptions for people who have experienced a death in the family, a divorce, a marriage, the birth of a child, and several other circumstances.

If you're looking at health care plans for families or individuals, Obamacare can be a wonderful option. You will need to apply between November 1st and the middle of December for the upcoming year unless you fall under one of the special circumstance categories, which includes the loss of a job and your health insurance. While you may live in a state with Medicaid expansion and you and your family may qualify for that, many states have not expanded their Medicaid programs and you will need to apply through the Healthcare Marketplace to see which healthcare insurance place would be best for you. There is the Children's Health program as well as programs for self-employed people and so many others.

To save yourself time, money, and hassle, you can also call the health insurance agents at Obamacare Enrollment in Florida, as well as in several other states, who can assist you in applying for your health insurance. They will not only walk you through the enrollment process, but they will also help you choose the right plan that is the most suitable for you and your family's needs as well as your income level.

Obamacare ACA offers a wide variety of services when it comes to exploring your marketplace health insurance options and deciding which will be best for you, your family, and your situation. The process is very simple since you will only have one point of contact. There will be an experienced and knowledgeable health insurance agent. He or she can assist you in applying for health insurance and provide you with the options that you have available to you and your family. Contact us today!

Byron Johnson
Article By: Byron Johnson