health care

What Is Health Care Reform?

Federal health care reform  or also called Affordable Care Act (ACA) uses a “building blocks” approach that starts with the health insurance companies.   Health care reform builds upon our current health insurance system to supply a lot of individuals with access to health insurance coverage, establish legal protections for customers, and established mechanisms for customers to be informed and make good buying decisions for insurance.

Health care reform includes the following key steps:

Expand Medicaid to permit a lot of individuals at the bottom income levels to qualify for coverage.
Encourage employers to supply health insurance.
Provide tax premium credits to buy individual health insurance policies, when none is available via an employer.

Americans who don’t qualify for Medic-aid

  • Streamline the acquisition of health insurance through the establishment of the health insurance Exchange.
  • Strengthen consumer protections and require transparency.
  • Impose protections to protect against unreasonable rate increases.
  • Encourage primary and preventive care.
  • Require Americans and legal residents to get health insurance.

Florida health insurance

Shopping for health insurance in Florida may appear like a difficult task. Thankfully, there are several choices open to Floridians who are uninsured or underinsured. This page will provide you with valuable info for getting health coverage.

Read on to find out about the distinction between group insurance plan, individual coverage, and COBRA insurance.

Anyone with access to small or a large group employer health plan has to accept the health insurance unless the premium is too high of a percentage of your monthly income.  Everyone must have health insurance or receive a penalty when you file your personal income taxes. Coverage price is based on your age, smoking status, and the zip code you reside in.  The ACA made it that all people applying for insurance will get approved, not matter if they are sick or very healthy.  If you fall below the Federal Poverty Levels, then you can try to apply for Medicaid, Florida healthy Kids, Florida Kid care, and usually a Discount Drug Program. All of these government programs will help those who are medically uninsured or who cannot afford personal coverage obtain basic health coverage.
Florida health insurance customers  will discover a variety of health insurance plans offered on the federal marketplace, which most health insurance agents have access to and they will offer free advice.  The agents cannot charge more for the health plans, all prices are fixed annually and cannot be changed by any agents.   Employers are enticing employees by offering more choices than ever with the arrival of the Health Savings Account (HSA).

Florida Blue

With Florida Blue, you and your family have access to benefits that reach so much beyond your doctor’s visit to provide you with complete health coverage. From well-being checkups to cost-comparison tools to exclusive member discounts, we have you covered.

You can purchase a Florida Blue health plan for 2017 coverage on these dates:

  • October 1, 2016 – you’ll be able to enroll in a plan directly through Florida Blue.
  • November 1, 2016 – If you qualify for a premium tax credit, also known as a ‘subsidy,’ you’ll be able to enroll in a Florida Blue subsidy-eligible plan with an effective date of January 1, 2017.

The last day you’ll be able to enroll in a health plan for 2017 coverage is January 31, 2017, unless you qualify for a Special Enrollment period.

The main issue you need to know, though, is the undeniable fact that individuals such as you and everybody else across the country need some health insurance to make sure your medical needs are covered. If you don’t have Florida health insurance, you probably face having to pay for  your medical bills out of pocket—and those prices add up a lot of quicker than you think.