How Do I Get Low-Income Health Insurance in Florida?

How Do I Get Low-Income Health Insurance in Florida?
How Do I Get Low-Income Health Insurance in Florida?

Having health insurance is vital for everyone, but it can be hard to obtain if you are low-income. However, there are a few options available to residents of Florida who need low-income health insurance. In recent years, the state legislature has also worked to make it easier for residents to get the proper care.

Read further to find out more about your health care options in the sunshine state.

Medicaid

One way to get low-income health insurance in Florida is through the state’s Medicaid program. Medicaid is a government-funded health insurance program that is available to low-income individuals and families.

To be eligible for Medicaid in Florida, you must meet certain income requirements. For example, a family of four can have a household income of no more than $32,319 per year.

If you qualify for Medicaid, you will have access to a wide range of health care services, including doctor’s visits, hospital stays, and prescription medications. You can also get preventive care, such as screenings for cancer and cholesterol.

To apply for Medicaid in Florida, you can fill out an application online at the state’s Department of Children and Families website. You can also apply in person at your local county office.

If you need help filling out the application, you can contact your local county office or the state’s Department of Children and Families hotline at 1-866-762-2237.

Obamacare

Another option for low-income health insurance in Florida is the Affordable Care Act, also known as Obamacare.

Obamacare is a federal law that requires all Americans to have health insurance. It also provides subsidies to help low- and middle-income people pay for their premiums.

To be eligible for a subsidy, you must have a household income of less than 400% of the federal poverty level. For a family of four, that would be an income of $97,000 per year or less.

If you qualify for a subsidy, you can purchase health insurance through the state’s health insurance marketplace, known as Florida Health Choices. You can also purchase health insurance through the federal government’s healthcare.gov website.

Once you have purchased a health insurance plan, you will be able to use it to receive a wide range of medical services, including doctor’s visits, hospital stays, and prescription medications.

If you need help finding a health insurance plan that fits your budget, you can contact the state’s Department of Financial Services at 1-877-693-5020.

Hospital Charity Care

If you are unable to obtain health insurance through Medicaid or Obamacare, you may still be able to get some medical care through hospital charity care programs.

Charity care is free or low-cost health care provided by hospitals to low-income patients. To be eligible, you must meet the income guidelines set by the hospital.

For example, Orlando Health’s charity care program is available to patients with a household income of 200% or less of the federal poverty level. For a family of four, that would be an income of $48,500 per year or less.

Children’s Health Insurance Program (CHIP)

If you are a low-income parent, you may be able to get health insurance for your children through the Children’s Health Insurance Program (CHIP).

CHIP is a government-funded health insurance program available to children in families with incomes too high to qualify for Medicaid, but too low to afford private health insurance.

To be eligible for CHIP in Florida, your family’s income must be below 200% of the federal poverty level. For a family of four, that would be an income of $48,500 per year or less.

Fill out an application online at the Marketplace website or call 1-800-318-2596 (TTY: 1-855-889-4325).

When you are accepted for CHIP, you have access to:

  • Check-ups
  • Doctor visits
  • Dental care
  • Vision care
  • Immunizations
  • Inpatient and outpatient hospital care
  • Prescriptions
  • Laboratory and X-ray services
  • Emergency services

Free and Low-Cost Clinics

If you are not eligible to get health insurance through any of the other programs listed above, you may still be able to get some medical care through free and low-cost clinics in the state.

Free and low-cost clinics are community-based organizations that provide medical care to low-income patients. To be eligible, you must meet the income guidelines set by the clinic. Choose from the list of clinics in the Florida Free Clinic Program, which provide free or low-cost health care for low-income residents.

The Florida Association of Free and Charitable Clinics also has a list of free and low-cost clinics in the state. The association is active in 55 counties in the state. They supply health and social services to needy communities.

Student Health Care

If you are a student between the ages of 19 and 26, you may be able to get health insurance through your parental health insurance plan.

The Affordable Care Act requires that all health insurance plans offer coverage to young adults up to age 26. It includes both married and unmarried students. If you are a student but too old for your parent’s health insurance plan, you may be able to purchase a health insurance plan through the marketplace. You may also be eligible for Medicaid if your income is low enough.

Most campuses require full-time students to have health coverage. When you get coverage through school, you will normally get a reasonable rate for the insurance that is part of your school bill. Many schools will automatically enroll you in their plan.

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