There is a specific open enrollment period for Obamacare when you can enroll in one of the available private insurance health plans or make changes to your current plan.
The open enrollment period in Florida, like in most other states, starts on November 1st and ends on December 15th each year. There are several ways you can purchase a health insurance plan: on the health insurance marketplace, through a qualified insurance broker, or an insurance agent.
There are also new subsidies that you can apply for during the open enrollment period. The subsidies are specifically for people with certain health conditions, and for people with a low income that cannot afford high out-of-pocket expenses.
If you already have coverage, it is a good idea to review it every day because you may find another plan with better rates available. Moreover, it is also important to review your plan to make sure that it still suits your personal insurance needs and budget.
It is important not to miss the open enrollment period because if you do, you will have to spend the entire year without any coverage. However, if you are going through a certain life event, you may be still eligible for health insurance even if the open enrollment period is over. These certain life events include marriage, new birth, child adoption, divorce, significant changes in your budget and income, and some others.
If you need assistance with the enrollment period, you should contact a qualified insurance agent, or insurance broker, or visit the navigators eHealth.com and HealthCare.gov.