Welcome to the Consumer Health Choices website. Here, you can search for and compare individual health insurance plans from over 230 companies in Florida. We also provide information about finding affordable health insurance in Florida, including short-term plans and Medicare Advantage.
What is an open enrollment period?
The open enrollment period is the time of year that you can purchase health insurance. You must enroll during this period. During this time, you can’t buy health insurance outside of your state’s open enrollment period. However, if you are eligible for Medicaid or CHIP, then you can apply for coverage at any time throughout the year. There are different dates for each state’s open enrollment period, which means that there may be different dates in different states as well as a general start and end date across all states.
What kind of health insurance plans are there?
Health insurance plans are categorized into four groups: Bronze, Silver, Gold and Platinum. These categories dictate the level of coverage you receive for specific medical services as well as how much you’ll pay in monthly premiums and out-of-pocket expenses such as deductibles and co-payments.
- Bronze plans have the lowest monthly premiums but come with higher deductibles and out-of-pocket costs
- Silver plans have lower rates than Bronze plans but still have higher deductibles and out-of-pocket costs than a Gold or Platinum plan would include
How can I buy health insurance in Florida?
- How can I buy health insurance in Florida?
- How do I apply for health insurance?
- What’s the process for applying for Medicaid in Florida?
In addition to exploring these questions, you should also know how to enroll in Medicaid as well as other types of affordable health care programs offered by the state and federal government.
How do I know what to shop for when it comes to health insurance in Florida?
Health insurance is not all the same, and there are many different kinds of health insurance plans. The first step in shopping for health insurance in Florida is to know what you need before you buy. If you’re not sure what your health care needs are, it’s always a good idea to consult with a broker or agent who can help you understand the different plan options available in Florida and find the right plan for your situation.
You can also get help from Consumer Health Choices (CHC). CHC provides unbiased information about how to select and use health benefits in Florida through its website at www.floridahealthoptions.org/choose-your-plan/shopping-tools/.
What does the Affordable Care Act mean for me and my family?
The Affordable Care Act (ACA) means that people of all ages, regardless of their health status, can’t be denied health insurance coverage. The ACA also requires private plans to cover a wide range of preventive services without any copayments or coinsurance.
The ACA’s protections for people with pre-existing conditions can help protect you and your family from being charged higher rates because of your medical history. You may already have seen the positive impact of these protections if you’ve been paying lower premiums over the past few years.
The law also provides tax credits to help make it easier for individuals and families to afford private health insurance coverage in their state’s Marketplace, which is often called an “exchange.” The tax credits are based on income so they’re most valuable if you need financial assistance buying insurance. If you qualify, they’re automatically applied to reduce what you pay each month toward the cost of coverage—they don’t need to be claimed on your return when filing taxes each year because there are no additional forms required by the IRS or HealthCare.gov (the federal agency running Health Insurance Marketplaces).
Consumer Health Choices helps you search for, compare and get affordable health insurance.
Consumer Health Choices is a free, online tool that helps you search for, compare and get affordable health insurance. With Consumer Health Choices, you can find out if you’re eligible for lower costs on your healthcare premiums and prescription drugs.
Consumer Health Choices is available in all states except California, New York and Washington DC
Buying health insurance in Florida is a big decision, and it doesn’t have to be complicated. Consumer Health Choices makes the process easier by providing information on all your options, including details about the types of plans available and what each one covers. We make sure you know exactly how much coverage costs so that you can choose one that best fits your needs while staying within your budget.