What Florida Residents Need to Know About Obamacare for 2020
The Affordable Care Act, also known as Obamacare, has not been struck down or repealed.
This website provides information about getting health insurance under the Affordable Care Act (ACA), including:
- whether you must get health insurance
- what the available plans cover
- how much coverage will cost
- how to sign up for a plan
- how to get help if you need it.
To begin, keep in mind these key points about health insurance in Florida:
1. Open enrollment has ended for 2020 health care plans, but you can still get health insurance if you qualify for a special enrollment period.
In Florida, the ACA open enrollment period ended on December 18, 2019. This means that, unless you qualify for an exception, you won't be able obtain health insurance through Healthcare.gov until the 2021 open enrollment period begins in the fall of 2020.
If you’ve recently lost your job or income due to the COVID-19 crisis or for any other reason, you might qualify for a special enrollment period that will allow you to sign up for a new health insurance plan or to change your current plan.
To learn whether you qualify for a special enrollment period, see What Happens If I Missed the Florida Obamacare Enrollment Deadline?
2. You won’t face a tax penalty for going without health insurance in 2020—but there are big downsides to being uninsured.
Obamacare’s tax penalty went away in 2019. That means that if you didn’t have health insurance coverage in 2019, you won’t have to pay a penalty when you file your taxes in this year.
How To Sign Up for Obamacare in Florida
To sign up for a health plan under the Affordable Care Act (Obamacare) you can go directly to the online health insurance marketplace for Florida -- or you can get help in person or over the phone.
For 2020 health plans, Florida open enrollment has ended. However, you may still be able to purchase health insurance for this year if you qualify for a special enrollment period. In particular, if you’ve recently lost your job or income due to the COVID-19 crisis or for any other reason, you might qualify for a 60-day special enrollment period that will allow you to sign up for a new health insurance plan. (See What Happens If I Missed the Enrollment Deadline for 2020?)
Where's the Florida Health Care Exchange?
You can find the health insurance exchange for Florida at Healthcare.gov. This is where you can learn about the various health insurance options available to you under the Affordable Care Act. If you see a plan you like, you'll be guided through the enrollment process online.