Who Qualifies for $0 or Low-Cost Plans in Florida?
Many Floridians are surprised to discover they qualify for significantly subsidized — or even $0 premium — health insurance through the ACA Marketplace. Eligibility is based on household income, not assets.
Self-Employed & Freelancers
Gig workers, contractors, and small business owners often qualify for substantial subsidies. Your net income — not gross revenue — determines eligibility.
Between Jobs or Laid Off
Losing employer coverage opens a 60-day Special Enrollment Period. ACA plans are almost always more affordable than COBRA continuation coverage.
Families Under 400% FPL
A family of four earning up to ~$124,800 may qualify for premium tax credits. Families under 250% FPL may also get cost-sharing reductions on deductibles and copays.
Recent Graduates
Coming off a parent's plan or student coverage? You have 60 days to enroll in your own Marketplace plan. Many young adults qualify for $0 or near-$0 premiums.
Early Retirees (Under 65)
If you've retired before Medicare eligibility, the Marketplace is your primary option. Income from savings and investments counts toward subsidy calculations.
COBRA Alternatives
COBRA can cost $500–$800+/month for an individual. A Marketplace plan triggered by the same qualifying event is often 50–80% cheaper with comparable coverage.
Plan Type Comparison
Not all health plans are created equal. Here's how the main options compare across key dimensions.
| Feature | ACA Marketplace | Off-Exchange Private | COBRA | Short-Term Plan |
|---|---|---|---|---|
| Subsidy / Tax Credit Eligible | ✓ | ✗ | ✗ | ✗ |
| Pre-existing Conditions Covered | ✓ | ✓ | ✓ | ✗ |
| Essential Health Benefits | ✓ | ✓ | ✓ | ✗ |
| Preventive Care at $0 | ✓ | ✓ | ✓ | ✗ |
| Typical Monthly Cost (individual) | $0–$350 | $200–$600 | $500–$900 | $50–$200 |
| Network Flexibility | Varies by plan | Varies by plan | Same as employer | Limited |
| Enrollment Window | OEP or SEP | Anytime | Within 60 days | Anytime |
| Recommended For | Most uninsured | High earners | Short gaps only | Not recommended |
Cost estimates are approximate and vary by age, location, tobacco use, and plan tier. Short-term plans are not ACA-compliant and are generally not recommended as primary coverage.
Coverage Options We Help You Navigate
Florida Marketplace Plans
ACA-compliant plans sold through HealthCare.gov. The only plans eligible for premium tax credits and cost-sharing reductions. Available in Bronze, Silver, Gold, and Platinum tiers. We help you find the right metal tier for your budget and usage.
Private Health Coverage FL
Off-exchange plans are sold directly by carriers outside the Marketplace. They offer the same ACA protections but without subsidy eligibility. Best for individuals who earn too much for subsidies but want more plan variety or specific network access.
COBRA Alternatives
Losing employer coverage triggers a 60-day SEP for Marketplace enrollment. In most cases, a Marketplace plan is significantly more affordable than COBRA while providing equivalent or better coverage. We run a side-by-side comparison for every client.
ACA & Private Plans FAQ
Common questions from Florida residents comparing Marketplace plans, private coverage, and COBRA alternatives.
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