Florida Affordable Care Act Basics

Florida Affordable Care Act Basics

More than a million people from Florida have registered on healthcare.gov for individual healthcare coverage. For a state that has a government that opposes ObamaCare, the population has surely embraced it. With such an interest in individual healthcare options, even if it’s required by the federal government, the average citizen needs to be informed about these Florida health insurance options that are a result of the Affordable Care Act.

The Health Insurance Exchange

As a stipulation of the ACA, the federal Health Insurance Exchange was created by the federal government to facilitate the purchase of Florida health insurance. State governments were encouraged to create state exchanges, as well. The state of Florida does not run a state health insurance exchange. Instead, it refers its citizens to make use of the federal exchange. The exchange, or marketplace as it’s also called, provides information about health insurance coverage available to residents in Florida. It also provides information about government subsidies or applying for an exemption.  The official website for the marketplace is healthcare.gov.

How Does the ACA Affect Florida Citizens

With the passing of the ACA, citizens of the United States are required to carry health insurance. If you don’t have health insurance, you could pay a penalty on your taxes. There are exemptions to this that a person must qualify for and apply to receive.

How Much Does Florida Health Insurance Cost Under ObamaCare?

How much you pay in monthly premiums depends on several factors. For example, there are four basic plans to choose from: Bronze, Silver, Gold, and Platinum. These  at https://floridainsurancequotes.net/health-insurance-quote/ plans vary according to the amount of coverage that is provided: 60%, 70%, 80%, or 90%, respectively. In addition, there are other stipulations to consider like your age, whether or not you smoke, and where you live in Florida. The average premium for Florida was between $200-299 before subsidies. With subsidies, the average premium paid by Florida residents for ObamaCare insurance was about $88 a month.

Is There Help for Paying Premium Costs

The federal government does offer subsidies if you qualify. To qualify, your household income has to be within a certain range. The federal government offers cost sharing subsidies. There is also a tax credit that you can receive if you qualify that can be directly applied to monthly premiums.


How to Get ObamaCare Insurance

In Florida, if you want to learn more about insurance under the ACA, you’d need to visit healthcare.gov. Open enrollment begins in November. You can enroll at other times if you have a change in your situation, such as getting married or the birth of a child. Otherwise, you’ll have to enroll during Open Enrollment. Healthcare.gov is also where you’d apply for an exemption. You can find the answers to most of your questions on the website, as well. You can also call a toll free number if you have questions or want to enroll by phone. The process is simple: apply and enroll.

ACA and Florida Residents

If you are needing affordable, available insurance coverage in Florida, you need to look into enrolling through healthcare.gov. Over a million people in Florida already have enrolled and are now able to access healthcare because they have insurance coverage. The majority of these same individuals also receive subsidies from the federal government to help reduce the costs of monthly insurance premiums. While the state government in Florida may be opposed to the ACA, the people of Florida are taking full advantage of it. While the federal government may have made health insurance coverage a requirement, it has made efforts to not make it an inconvenience.





Florida Low Cost Auto Insurance

Yes, it’s annoying, but auto insurance is a necessity — one of those things that stays necessary no matter how badly you wish it weren’t. And unfortunately, premiums can be quite high these days. Especially in a state like Florida, where everything, from real estate to gas, is notably more expensive than anywhere else in the US. That doesn’t mean you can’t find Florida low cost auto insurance, however — it just means you’ll have to look a little harder. Here, we’ll give you a quick rundown on how to make sure you locate the lowest prices in the state, or at least come close to doing so.


Quote Machines


The first thing you’ll want to do is get a list of the best providers in the state by using a quote machine. These are programs like those that https://floridainsurancequotes.net/florida-auto-insurance/ and other companies provide to consumers online. A simple Google search will allow you to get estimates as to the quotes you’ll be given by various local and national auto insurance providers. This is usually the best first step to finding good Florida low cost auto insurance, as it narrows the list down from the hundreds of providers to just a handful. Once you have an idea as to which firms will treat you best, you can start to phone them up and discuss particulars of your plan. You’ll find that the estimates are, well, just that — estimates — and that some companies will surprise you with much better prices than the estimate, as long as you take the time to ask. So, in short, it’s not a great idea to trust the quote machines right away, although they’re a great starting point.


Attitude Speaks Volumes


When you’re on the phone with representative of a particular firm, be sure to pay attention to how you’re treated. It’s not usually hard to figure out if they’re going to be good or bad business based on whether or not the representative is aloof and distant or personable and dedicated to your well-being and to doing their job as a service person. Luckily, it’s not hard to pay attention to such things — we’re all good at instinctively feeling bad if we’re treated poorly and feeling good if we’re treated well. Just be sure to keep this in mind when it comes time to make your final decision.


Local Is Better


Finally, be sure to put local providers at the top of your list. Why? Because they’re the ones most likely to treat you well in the long run. National companies care a lot less about individual customers because they have so many. They simply can’t pay much attention to you if you’re just another member of the crowd. Local firms have to pay attention to you, and are usually run by members of the community, meaning they care much more by default than larger firms, and this is good to keep in mind.



It’s never been more important to have quality insurance in the Sunshine State than it is now.  Sure, there are all the usually things that go along with a life in Florida that necessitate insurance—hurricane season, concern over one’s house and car, and of course, health insurance has grown to become an absolute necessity over the years.  However, given the expansion of the insurance industry over the last few years and the way in which everything from hurricane season to the cost of living has risen in terms of the cost, it becomes all the more important to find quality Florida insurance companies.

Here, then, is a guide to help you find the best Florida insurance quotes from online companies like https://floridainsurancequotes.net, as well as a few names that might get you started as you look to ensure your car, your home, your family and your future for a better life.

  1. YELP! IS YOUR FRIEND: Love it or hate it, the Internet has completely changed the way we do business.  Simply put, if you don’t keep up in the online world, you’ll be left behind.  One of the things the Internet has really given rise to, however, is a culture of critiquing, and that’s where Yelp! and other sites come in.  Yelp! is a popular review site wherein users who have gone to restaurants, opera houses, companies and other places of business review everything from the service to the pricing to the business itself.  This is a great way to search for great insurance companies in an increasingly-competitive market.  There have always been different review systems in place, but this method allows for you to get direct answers from those who have actually experienced different insurance rates, quotes, and services.  Take advantage of this great new resource today.
  2. CHECK THE QUOTE: No matter who you decide to hire, you always want to make sure that you get a quote or an estimate from an insurance company before hiring them.  The importance of this cannot be overstated.  Too many people rush right into hiring a company or signing on to a plan without checking into these all-important elements first.
  3. EXPERIENCE SELLS: If you’re unsure of which service you should choose, you may want to check into the amount of years a certain company has been in service.  There’s just no putting a price on experience.  After all, insurance is a significant investment, and you want to make sure that you’re going to get a good return on that investment.  What’s more, you of course want to make sure your insurance company is competent.
  4. USE YOUR INSTINCTS: “This above all else: to thine own self be true.”  Polonius gives that advice to his son Laertes in Hamlet, and Shakespeare’s words of wisdom still hold strong today.  Checking into different companies on the Internet, checking the degree of experience, and checking quotes and estimates are all great starts—but in the end, the choice is up to you, so trust yourself.

Texas Insurance

If you’re moving to Texas, you’re going to need to learn a lot about the Lone Star State. Whether you’re a long time resident or a brand new Texan, you should find out about all the different kinds of insurance available to you. Some types of Texas insurance, like automobile liability insurance, are required by the state; the bank or mortgage company that holds the title to your house might require others, like homeowners insurance. Many kinds of Texas insurance aren’t required, but they’re smart investments in peace of mind.

There Are Three Main Types Of Texas Insurance

First, let’s go over the three major types of Texas insurance:


  • Property and Casualty
  • Life
  • Health


Each of these sectors of Texas insurance products are made up of many subtypes of insurance policies for different uses.


Property and Casualty – Your auto insurance, business insurance, and home insurance are all forms of property and casualty insurance.


A minimum standard of auto insurance is mandated in order to drive a car in Texas, but most Texas drivers opt for much larger policies that cover more potential losses at very much higher policy limits than the minimum.


Business insurance can cover a wide range of products, some required by the state, others commonly purchased by businesses to reduce risk. Texas insurance for businesses is broken down into the following:


  • Worker’s Compensation Insurance
  • General Liability Insurance
  • Commercial Liability Insurance
  • Commercial Auto Insurance


Depending on what type of business you have, all four might be required. Some, like worker’s compensation, are only required if you have employees. Small business owners often purchase a form of Texas insurance called a Business Owner Policy that packages all the coverages required into one easy to understand and affordable policy. Larger businesses move to bigger, standalone policies as they incur greater risk.


Life Insurance – You can purchase two types of life insurance. Term life is a simple form of insurance that pays your estate in the event of your death during the life of the policy. Texas insurance companies also offer Whole Life policies, which are designed to pay death benefits if the policyholder dies prior to maturity of the policy, but also pays cash benefits if the policyholder outlives the term of the policy.


Health – Health insurance protects against the cost of medical care that the policyholder needs. Many employers offer health insurance to their employees as part of their compensation package, although the particular Texas insurance carriers and their terms are often negotiable by the employee. Individuals can also find many Texas insurance companies that offer private market health insurance policies that offer managed care options like Health Maintenance Organizations, Point of Service Plans, or Preferred Provider Organizations.


In addition to these options, both the federal and the Texas state government offer qualifying citizens health insurance coverage at no or reduced costs. Medicaid covers people whose income is too low to afford private insurance. Medicare covers people over the age of 65, as well as some disabled persons. SCHIP gives health insurance coverage to children whose parents don’t qualify for other free or subsidized insurance. There are also plans for former members of the military, and others.