This is a Private Website that is Licensed and Certified to Assist Consumers with Affordable Care Act (ACA) Compliant Plans in Florida This is NOT the Government Healthcare.gov Website – See Disclaimer at Bottom
Open Enrollment Period for the Health Insurance Marketplace
THE MARKETPLACE IS OPEN FOR 45 DAYS EACH YEAR
November 1st through December 15th
(Apply Before December 15th for a January 1st Effective Date)
Call me at 941-704-8148
Why should you use an independent Florida Health Agent?
What are the REAL reasons to use a Health Agent?
WHO should buy health insurance ON the Marketplace?
In short, if your income is low enough to qualify for financial assistance in the form of premium and deductible subsidies. If you qualify, you must buy your health plan “ON the Marketplace” in order to get these subsidies or advanced premium tax credits (APTC) to lower your monthly health insurance premiums. APTC is determined by your modified adjusted gross income (MAGI), your household size, and how that relates to the Federal Poverty Level (FPL) guidelines. In Florida, if you’re between 100% – 400% of FPL, then you may be eligible for APTC.
In addition, if between 100% and 250% of FPL, you’re also eligible to buy a Cost Sharing Reduction (CSR) plan with reduced deductibles and out of pocket maximums. In order to receive these additional benefits, you must buy a Silver Level plan. More information on these topics is located on the ON Marketplace website page.
What and when is the Open Enrollment Period (OEP)?
OEP will be from November 1st through December 15th.
If you need a January 1st effective date, you need to apply by December 15th.
An Open Enrollment Period (OEP) for ACA Health Plans occurs once a year and will last only 45 days this year. It’s the period of time where consumers are free to purchase or move to a new plan, for any reason, from any approved insurance carrier ON or OFF the Marketplace.
Am I eligible for a Special Enrollment Period (SEP)?
A full QLE list can be found here at healthcare.gov
The Marketplace requires that you now send in proof of your loss of coverage or other proof to support your special enrollment reason.
What health benefits are included in all ACA health plans?
Whether you buy “ON” or “OFF” the Marketplace, all Affordable Care Act (ACA) compliant plans include:
- Guarantee Issue – no medical questions allowed (except tobacco), and you cannot be declined.
- Pre-existing Conditions – are covered with no waiting period, but subject to policy benefits.
- Free Preventative Care – before any deductibles and with a $0 copay. A list can be found here.
- The 10 Essential Health Benefits – are based on federal guidelines, and the state benchmark plan.
- Maximum Out of Pocket Limitations – adjusts higher each year.
Who should consider supplemental plans with an ACA policy?
They are NOT to be used as a substitute for a Major Medical ACA compliant health plan.
You can find a list of supplemental plans and links on the Florida Supplemental Plans page.
Why can't I receive subsidies or Medicaid with my low income in Florida?
BUT, the ACA law also contained verbiage that allows subsidies for those with income between 100% to 400% of FPL, sparing those between 100-138% of FPL, with massive financial assistance to buy private health insurance in Florida through the Health Insurance Marketplace.
Unfortunately, if the combined income for your household size is below 100% of FPL, then you are NOT eligible for financial assistance / subsidies, reduced deductible plans or Medicaid. You are eligible to buy a health plan, but would have to pay the entire premium amount. Not to worry, your income should be low enough to allow you to get an exemption from having to buy coverage or pay any penalties.
Steffen Financial Inc / Owner
Florida Health Agency License #L050583
National Producer Number (NPN) 7939021
20+ Years in the Financial Industry
10+ Years Specializing in Health Insurance
William graduated with a B.S. in Business Administration & Finance from California State University of Northridge (CSUN) in 1992. After working for Invesco Funds Group for 7 years, and Janus Funds for another 5 years; Steffen Financial Inc was launched in 2004. I found my niche with private health insurance and Health Savings Accounts (HSA’s) soon thereafter. When the massive health care reform law (ACA) passed in 2010, I realized my clients were going to need a knowledgeable adviser to navigate the new complicated ACA landscape.
FLHealthAgent.com is an extension of that belief, and communicates exactly what I do for a living. It’s a destination for the increasing trend of Florida consumers seeking valued advice from a Florida Licensed Health Agent. I look forward to working with you.