Health Insurance

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Explore Florida’s leading health insurance options with us. Our commitment to exceptional customer service ensures that we’ll be there for you every step of the way, even long after you’ve enrolled.

Buy Health Insurance in Florida

Offering a wide range of coverage options tailored to your specific needs and budget.

Whether you’re looking to enroll during the Affordable Care Act’s open enrollment period or seeking coverage outside of the traditional enrollment window, we’re here to help. Contact us today to learn more about how we can assist you in securing the best health insurance plan for you and your family.

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Open Enrollment

Obamacare/Affordable Care Act

Open Enrollment for Obamacare generally runs from November 15th to January 31st each year and you must sign up then.

During this time you can enroll in a new health insurance plan or make changes to your current plan. New insurance companies have joined the marketplace in Florida, which should lower costs for everyone.

In addition, Florida individuals and families can receive tax subsidies based on income and family size which will reduce the monthly cost of their health insurance.

Qualifying Life Event

Outside of open enrollment, people can still buy health insurance if they met one or more of the following qualifying events:

  • Marriage or divorce
  • Loss of other coverage for reasons other than non-payment of premium
  • Moving out of your current insurance carrier’s service area
  • Expiration of COBRA coverage
  • Turning 26 and losing your parents coverage

There are short term medical plans available that can be purchased for the time between open enrollment periods, however these plans are medically underwritten and will not cover pre-existing conditions.

Open Enrollment for Obamacare

FAQs

If you have questions, would like more information, or a no-obligation quote, please call us at: (888) 267-2656, or email us at: info@myfloridhia.com or click here for a free quote.

Our team of dedicated professionals works with individuals and families across Florida, from Tallahassee to Miami, Jacksonville to Tampa to Fort Myers, and everywhere in between.

What if I have more questions?

Please give us a call toll-free at 888-267-2656, we are Licensed Insurance Brokers and certified by the Federal Government to assist people who wish to enroll in an Obamacare plan.

What if I did not sign up then can I sign up now?

Generally, no, not unless you have a life changing event such as getting married, moving or losing other coverage for reasons other than non payment.

When can I sign up?

Open Enrollment for Obamacare generally runs from November 15th to January 31st each year and you must sign up then.

How do I find out if I qualify for help?

Just click on the “get a Free Quote” button here on this page. You will be able to enter your household income to see what your actual cost would be after the assistance is applied.

What if I cannot afford coverage?

People earning below 400% of the Federal Poverty level can receive help in paying their monthly premiums. A single person can have an income up to $44,000 and a family of four up to $88,000 and still receive assistance.

Can Insurance Companies drop me if I have a big claim?

No, and they cannot charge your more if you have had claims.

Can they charge me more if I have health problems?

No, nor can they place any pre-existing limitations on your coverage. Once the policy is issued any health conditions are covered day 1.

What if I have health problems, can I still get covered?

Yes, Obamacare prohibits Insurance Companies from asking any health questions when you apply for coverage.

Will I be penalized if I don’t buy health insurance?

As of Jan. 1st 2019, there is no longer a tax penalty for not having health insurance.

If I already have a plan can I keep it?

Generally yes if your insurance company continues to offer that plan but if they discontinue that plan then you will need to choose a new one.

What is Obamacare?

Obamacare is the nickname for the law titled ‘The Patient Protection and Affordable Care Act.’ This law covers all health insurance policies sold in the United States today. The law requires insurance companies to offer coverage to anyone legally in the country regardless of their health conditions.

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