Obamacare has specific open enrollment periods, during which you can apply for one of the healthcare plans that are available under the Affordable Care Act to you and your family members.
Like in most other states, the enrollment period for Obamacare in Florida occurs from November 1 - to December 15 each year. During this period of time, you can choose from a variety of health insurance plans. You can find and buy a plan on the health insurance marketplace or contact a qualified health insurance agent or broker.
You can also apply for the new subsidies during the open enrollment period. These subsidies are available for people with certain health conditions, and they help reduce patients' out-of-pocket expenses.
If you already have coverage, it is recommended to review it annually because there might be more improved plans with new rates available. Moreover, your current insurance plan might not be suitable for your medical needs and budget.
If you miss the open enrollment period, you will probably have to spend the entire year without coverage. However, you may still qualify for health insurance if there is a certain life event that you are going through. It can be marriage, divorce, child adoption, new birth, significant changes in your income, and some others. It is better to contact a qualified insurance agent and discuss your changes to see what your options are.
If you need help with the enrollment process, you can always contact an insurance agent, insurance broker, or check websites such as eHealth.com and HealthCare.gov.