Florida residents who want to get government-subsidized health coverage can apply during the open enrollment period. If you live in Florida, you can enroll in health coverage through healthcare.gov as it’s a part of the federally ran Marketplace. So the state doesn’t have its own Marketplace.
You can apply for coverage on healthcare.gov after creating an account. Upon logging in, you will be able to view and compare plans and pick the one that suits you and your family the best. Picking the right plan for your needs is very important as it has a direct relation to how much you’re going to pay for health coverage. We suggest giving at least a couple of hours to find the right plan for your needs as even $100 a month can mean over a thousand dollars annually.
Same as anyone else in another state, you must enroll in coverage between November 1 and December 15 for the next year’s coverage. If you missed the open enrollment period, you must qualify for the special enrollment period in order to make the cut.
You can qualify for the special enrollment period under multiple circumstances. If you moved to a new county or a new place in a different ZIP code than where you lived, you will automatically qualify for the special enrollment. Other than these circumstances, you’re generally qualified for the special enrollment period if:
- someone dies in your plan and you lose health coverage
- you get married
- have a child, adopt a child, or place a child in foster care
- you get a divorce or separate legally, and a result, you lose health coverage
If any of the above applies to you but you keep your coverage, know that you don’t qualify for the special enrollment period. Learn more about what to do after missing the open enrollment.