Open Enrollment is over. You can get 2023 health insurance if you qualify for a Special Enrollment Period.

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What is ACA Health Insurance?

Affordable Care Act (ACA or Obamacare) health insurance plans were developed to ensure that individuals and families - regardless of their health or pre-existing condition - can obtain affordable health insurance that provides comprehensive medical benefits.

What does ACA Health Insurance Cover?

All Affordable Care Act insurance plans must provide comprehensive coverage that include these 10 essential health benefits (source):

  • Ambulatory patient services (outpatient hospital care)
  • Emergency services
  • Hospitalization
  • Pregnancy, maternity and newborn care
  • Mental health and substance use disorder services
  • Prescription drug coverage
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care

How Do ACA Plans Work?

ACA health insurance plans are categorized into metal levels. Their cost-sharing rules are as follows:

You pay 40%, the insurance company pays 60%.

You pay 30%, the insurance company pays 70%.

You pay 20%, the insurance company pays 80%.

You pay 10%, the insurance company pays 90%.

When Is The Health Exchange Open Enrollment Period?

Open enrollment is over. The Open Enrollment Period for ACA health insurance plans for Florida for 2023 took place from November 1, 2022 through January 15, 2023. You may be able to get 2023 health insurance if you qualify for Special Enrollment Period.

What Are ACA Special Enrollment Periods?

Outside of open enrollment, you’ll need to qualify for a Special Enrollment Period to enroll in ACA health plans. You may qualify if you have a life event, such as moving to a new address, having a baby, losing job-based coverage, or getting married.

You usually have up to 60 days from the qualifying life event in which you can sign up for or switch your ACA plan.

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Not all plans available via telephonic enrollment.

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