What is Obamacare?


The Affordable Care Act (ACA), commonly known as Obamacare, is a comprehensive health reform enacted in 2010 aimed at transforming the health insurance landscape in the United States. This legislation has a clear mission: to expand health coverage to as many people as possible and reduce the costs associated with medical care.

Health Insurance Plans Under Obamacare

Exploring Health Plans

Bronze Plan

Coverage: Approximately 60% of medical costs.
Costs: Offers the lowest premiums among the plans but has the highest out-of-pocket costs, such as deductibles and copayments.
Suitable for: People who want to pay less monthly and are willing to cover more expenses in unexpected health situations.

Silver Plan

Coverage: Approximately 70% of medical costs.
Costs: Mid-level premiums and costs. Those who qualify for additional cost-reduction subsidies can gain more benefits from this plan.
Suitable for: Individuals or families seeking balance between premiums and out-of-pocket costs. This plan is popular among those who qualify for extra subsidies.

Gold Plan

Coverage: Approximately 80% of medical costs.
Costs: Higher premiums but lower out-of-pocket costs compared to Bronze and Silver plans.
Adecuado para: People anticipating frequent medical care. Those who prefer to pay more monthly to get lower out-of-pocket costs.

Platinum Plan

Coverage: Approximately 90% of medical costs.
Costs: Highest premiums but the lowest out-of-pocket costs.
Suitable for: People who need constant medical care and are willing to pay higher premiums to minimize other costs.

Catastrophic Plan

Eligibility: Available only to people under 30 or who qualify for financial hardship exemptions.
Coverage: Provides coverage for emergencies and three annual medical visits.
Costs: Low premiums but a significantly high deductible.
Adecuado para: Young, healthy individuals seeking protection against the unexpected without a high monthly cost.

Tips for Choosing an Insurer

Consider the following aspects when selecting a plan:
The healthcare network available in your area.

Total costs (premiums, deductibles, copays).

Coverage for medications and additional services.

The insurer's reputation and customer service.

Top Insurers in Florida

In the state of Florida, multiple insurers offer health plans under the framework of Obamacare. Each insurer has its distinctive characteristics, strengths, and coverage areas. Knowing them can help you select the best plan based on your needs and location.

Florida Blue (Blue Cross Blue Shield of Florida)

A market leader in insurance, noted for offering a wide range of plans in most counties. It has a robust reputation thanks to its extensive provider network and reliable care services, valued by customers across the state.

Ambetter from Sunshine Health

Part of Centene Corporation, it's recognized for its affordable coverage options. It operates in many regions, providing budget-friendly plans without sacrificing the quality of medical services they always provide.

Oscar Health

Revolutionizes health insurance with its focus on technology and user experience. Although its coverage is limited, its plans offer innovative digital features that enhance personal health management very efficiently.

Aetna CVS Health

In partnership with CVS, it has expanded its leadership in insurance, offering plans with integrated pharmacy services in Florida. This results in a more efficient care experience, improving the overall satisfaction of insured clients.

Molina Healthcare

Specializes in affordable plans, primarily in Silver and Bronze tiers. It focuses on accessibility, ensuring coverage for those looking to minimize costs while still receiving high-quality healthcare services.

Cigna

Has a selective presence, offering diverse options in some strategic areas. Known for its outstanding customer service and a strong provider network, it tailors its offerings to meet the individual needs of each insured.

AmeriHealth Caritas Next

Focuses on providing integrated solutions and personalized care. With a strong social commitment, it aims to improve the health of vulnerable communities by offering accessible coverage and innovative wellness programs.

AvMed

Is known for its community focus and local expertise. It offers competitive health plans, prioritizing personal service and customer satisfaction. With its strong presence in Florida, it is a popular choice for those seeking connectivity and personalized care.

Simply Healthcare

Simply Healthcare stands out for its focus on providing practical and affordable solutions. With special attention to underserved populations, it offers personalized health programs that facilitate access to essential medical services.

Find the Ideal Health Plan for You

Know the key features of the main health plans available under Obamacare to make an informed decision.

Have questions? Contact us for personalized advice!

HMO (Health Maintenance Organization)

Mandatory to stay within network.
Requires selection of a Primary Care Physician (PCP).
Needs a referral to see a specialist.

EPO (Exclusive Provider Organization)

Mandatory to stay within network.
Does not require the selection of a PCP.
No referral needed to see a specialist.

PPO (Preferred Provider Organization)

Not mandatory to stay within network.
Does not require the selection of a PCP.
No referral needed to consult a specialist.

POS (Point of Service)

Combines features of HMO and PPO.
Requires selection of a PCP.
Allows out-of-network visits with a referral.

Requisitos de Elegibilidad

¿Calificas para Obamacare?

Residencia en los Estados Unidos

Ciudadanos y residentes legales.
Ingresos dentro del rango requerido.
Sin acceso a seguro asequible a través de un empleador.

Documentos Necesarios

Número de Seguro Social (SSN).
Forma I-94 (Registro de Entrada/Salida).
Permiso de Trabajo.
Ingresos (W-2, 1099).
Documentos de ciudadanía, residencia o estatus migratorio.

Ayuda Financiera

¡Con los subsidios disponibles, millones de personas pagan menos por su seguro médico!
Reduce tus costos mensuales.
Acceso a servicios de calidad a bajo precio.

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