• The ACA Marketplace offers coverage to those earning above 100% of the Federal Poverty Level who do not qualify for Medicaid or Medicare. To apply, you must be a US citizen or lawful resident. Depending on your income and household size, you may qualify for tax credits to lower the monthly cost of your ACA coverage. Our licensed expert can guide you in understanding your coverage options, applying any available tax credits, and choosing a plan that fits your needs. • Medicaid is free or low-cost coverage available to low-income individuals and families who meet the eligibility criteria. Florida Medicaid enrollees are predominantly children, pregnant parents and caregivers, people with disabilities, and people aged 65 or older. Adults without dependents or a disability do not qualify for Florida Medicaid regardless of income. We can connect you with a licensed expert who can help you determine whether you are eligible and guide you through the application process. • Medicare is coverage for Floridians aged 65 or older. Those under 65 who receive Social Security Disability Insurance (SSDI) or who have a permanent disability may also qualify for Medicare coverage. Medicare has four parts: Part A (Hospital Insurance); Part B (Medicare Insurance); Part C (Medicare Advantage Plans), and Part D (Drug Coverage). Our licensed expert can offer free, unbiased help to determine which Medicare plan is right for you.

• Affordable Care Act Marketplace open enrollment period runs from November 1st until January 15th each year. Outside of this open enrollment period, you may qualify for a special enrollment period if you've experienced a significant life change, such as marriage, the birth of a child, or becoming a US citizen. See the FAQ titled "What is a special enrollment period?" for more details. • Medicare open enrollment runs from October 15 until December 7 each year. Each person also qualifies for a special enrollment period when they turn 65 years old. Medicare Advantage open enrollment runs from Jan 1 – March 31. Outside of these open enrollment periods, you may qualify for a special enrollment period if you've experienced a significant life change, such as moving or losing coverage. See the FAQ titled "What is a special enrollment period?" for more details. • Medicaid enrollment is open year-round. A licensed expert can help you find out if you qualify and how changes in  federal and state law might impact your Medicaid eligibility and coverage.

• A Special Enrollment Period is a time outside of the Open Enrollment Period during which your family can enroll in health coverage if you've experienced certain life events. • A special enrollment period typically lasts up to 60 days following a life event that involves a change in family status (like a marriage or birth) or loss of other health coverage. • Life changes that could initiate a special enrollment period include: • The birth or adoption of a child, or your child is placed in foster care • A change in marital status • Loss of health coverage • A change in income that affects your current health coverage • Retirement • Change of dependency status of someone on your plan, such as a child turning 26 and aging off a parent's plan • Moving to a new zip code • Becoming a U.S. citizen or gaining membership in a federally-recognized tribe or as a native settlement shareholder • Death of a covered member of your household • Disasters or emergencies declared in your area • Leaving incarceration • AmeriCorps members starting or ending their service • If a life event qualifies you for a special enrollment period, you must enroll in a plan within 60 days following the event. Get help early to understand your coverage options and get enrolled.

The One Big Beautiful Bill Act has made major changes to the health care system which began to take effect in January 2026. These changes include: 1) Increased premiums for Marketplace plans 2) Funding freezes for hospitals, doctors, and nursing homes, which may lead to cuts in services 3) Many immigrant families, including refugees and asylees, are losing coverage 4) Medicare Savings Programs become harder to access 5) Rural hospitals and clinics at greater risk of closure 6) Fewer emergency care options for everyone Contact us for free expert assistance understanding how your coverage might be affected by this and other federal and state law changes.

We encourage everyone to stay informed about your coverage and local care options. You can do this by: • Contacting us for FREE unbiased expert assistance reviewing your coverage options and enrolling in a plan. • Familiarizing yourself with the clinics and hospitals in your area that accept your current coverage. • Check whether there are community health centers or charitable clinics still offering low-cost or sliding-scale care in your area. • Familiarize yourself with multiple emergency care options in your area and be prepared for increased wait times. • Remind lawmakers why it's important to keep care affordable. Share how rising health care costs are affecting you using the form below, and we'll amplify your story to Florida legislators and voters.

• No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started. • Once you’re enrolled, the plan can’t deny you coverage or raise your rates based only on your health. • Under the law, insurers are prohibited from using a consumer’s health status to deny coverage (guaranteed issue), set individual and small group market rates (community rating), exclude coverage of pre-existing conditions, or cancel a policy. • Guaranteed issue: The requires insurers to offer health insurance products to everyone in the market, regardless of health status. • Community rating: The ACA’s rating rules prohibit insurers from charging higher premiums based on an insured’s health status and they can only vary rates based on geographic rating area, age (limited to a 3:1 differential), tobacco use (limited to a 1.5:1 differential), and whether or not it is individual or family coverage. • Ban on Pre-existing Condition Exclusions: Under the ACA, insurers are not allowed to limit or exclude coverage of services and treatment based on an enrollee’s pre-existing condition. https://static.wixstatic.com/media/undefined