Florida and the Affordable Care Act: How it Affects You

One of the most significant impacts of the ACA on Florida residents is the expansion of Medicaid. Prior to the ACA, Florida had some of the most restrictive eligibility requirements for Medicaid in the country. However, under the ACA, Florida was given the option to expand Medicaid to cover individuals and families with incomes up to 138% of the federal poverty level. Unfortunately, Florida chose not to expand Medicaid, which has left many low-income residents without access to affordable healthcare.

On a more positive note, the ACA has also made it easier for individuals and families to purchase health insurance through the Health Insurance Marketplace. In Florida, the Marketplace is operated by the federal government and allows residents to compare and purchase health insurance plans. Depending on your income and other factors, you may also be eligible for financial assistance to help pay for your coverage.

Another important aspect of the ACA is the requirement that all health insurance plans must cover certain essential health benefits. These include preventive services, maternity and newborn care, mental health and substance abuse treatment, and prescription drug coverage. This means that Florida residents who purchase insurance through the Marketplace or through their employer can be assured that their plan covers these important services.

Finally, it’s important to note that the ACA includes consumer protections to help prevent insurance companies from discriminating against individuals with pre-existing conditions. This means that if you have a pre-existing condition, you cannot be denied coverage or charged more for your insurance.

In conclusion, the Affordable Care Act has had both positive and negative impacts on healthcare in Florida. While the state has chosen not to expand Medicaid, the Marketplace provides a valuable resource for individuals and families to compare and purchase health insurance. Essential health benefits are now covered under all insurance plans, and consumer protections help prevent discrimination against those with pre-existing conditions. If you’re a Florida resident in need of healthcare coverage, visit www.everyhealthgroup.com to learn more about your options.