Frequently Asked Questions About Florida Health Insurance
Clear answers about Marketplace (Healthcare.gov), Medicare, and Medicaid in Florida. Serving Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, and communities statewide.
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When is Open Enrollment for health insurance in Florida?
Open Enrollment for Marketplace (Healthcare.gov) plans typically runs from November 1 through January 15. During this window you can enroll in a new plan or change your existing plan.
Can I enroll outside of Open Enrollment?
Yes—if you qualify for a Special Enrollment Period (SEP). Common qualifying life events include losing other coverage, moving to Florida, marriage, or having a baby. We can check your SEP eligibility and help you apply.
What’s the difference between Medicare and Marketplace insurance?
Medicare is generally for people 65+ or those with certain disabilities. Marketplace (ACA) plans are for individuals and families under 65 who don’t have employer coverage. We help with both.
Medicare Advantage vs. Medigap—what’s the difference?
Medicare Advantage (Part C) bundles Parts A & B and often includes prescription drugs, dental, and vision in one plan. Medigap (Supplement) pairs with Original Medicare to help pay out-of-pocket costs like deductibles and coinsurance. The right fit depends on your doctors, prescriptions, and budget.
Does Florida offer Medicaid and how do I qualify?
Yes. Florida Medicaid provides free or low-cost coverage for eligible residents. Eligibility is based on factors like household size, income, age, pregnancy, disability, and other circumstances. We can point you to the correct program and help you start the process.
How do Marketplace subsidies work in Florida?
Premium tax credits can lower your monthly cost if your household income qualifies. Eligibility is estimated during your Healthcare.gov application and applied directly to your plan. We’ll help you estimate eligibility and compare options.
What documents do I need for a Marketplace application?
Have these ready: proof of income (recent pay stub, W-2, 1099), Social Security numbers for household members, immigration documents if applicable, and current plan details if you’re switching.
Can I keep my doctor?
It depends on the plan’s network. We’ll help you check whether your preferred doctors and hospitals are in-network before you enroll.
Are prescriptions covered?
Marketplace plans include prescription coverage with plan-specific formularies. For Medicare, drug coverage is through Part D or included in many Medicare Advantage plans. We can review your medications against each plan’s formulary.
Can I change plans mid-year?
You can change Marketplace plans mid-year only if you qualify for a Special Enrollment Period. For Medicare, most people switch during the Annual Enrollment Period (Oct 15 – Dec 7); some changes are allowed Jan 1 – Mar 31 for Medicare Advantage.
Is short-term health insurance an option in Florida?
Short-term plans are available but may exclude pre-existing conditions and essential benefits and do not qualify for ACA subsidies. They can work as temporary coverage between major-medical plans. We’ll explain pros and cons for your situation.
Is your help really free?
Yes. Our licensed Florida agents provide free consultations to compare Medicare, Marketplace, and Medicaid options—and help you enroll with confidence.
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Information is general and may change. For personal guidance, please consult one of our licensed Florida agents.