Special Enrollment Period Ends in...
Days
Hours
Minutes
Seconds
No one expects to become ill or injured, but the majority of individuals will require medical attention at some point. These charges are covered by health insurance, which shields you from extremely expensive prices.

Health Insurance Explained

A contract between you and your insurance company governs your health insurance. When you purchase a plan, the firm agrees to pay a portion of your medical expenses if you become ill or injured.

Preventive care, such as immunizations, screenings, and check-ups, are also major benefits of health insurance. They also pay for some prescription drug expenditures. Having health insurance can also help you find a medical professional who will take the time to get to know you and your specific medical needs.

Avoid High and Unexpected Medical Costs

Did you realize that a three-day hospital visit costs almost $30,000? Or that a broken limb can set you back up to $7,500? Having health insurance will help protect you from such significant and unexpected bills.

Yes, you need Health Insurance. It is recommended everyone has some form of coverage to help protect them from unexpected medical costs.

Do I Need Health Insurance?

Understanding Health Insurance Terms

You pay some costs and your insurance plan pays others when you have insurance:

  • Premium: A premium is a set sum that you pay to your insurance plan on a regular basis, usually once a month. Even if you do not use medical treatment that month, you must pay this fee.

  • Deductible: A deductible is an amount you pay for medical care before your insurance company begins to pay its share. Once you’ve met your deductible, your insurance company will begin to pay for some of your medical expenses. Lower deductibles, such as $250, are available in some plans. Some have larger deductibles, like $2,000, while others have none. Before you’ve paid your deductible, many plans include preventative services and, in some cases, extra care.

  • Co-pay: A co-pay is a predetermined sum that you will pay for a medical service. A visit to the doctor, for example, could cost $150 if you didn’t have insurance. With health insurance, you may just have to pay $25 and the rest will be covered by the plan.

  • Co-insurance: Co-insurance is similar to a co-pay, except it is based on a percentage of the costs you incur. For example, you may be able to pay 20% of a $200 medical expense. So you’d pay $40 and your health insurance would cover the rest.

  • Out-of-pocket maximum: This is the total amount you will have to pay if you get sick. For example, if your plan has a $3,000 out-of-pocket maximum, once you pay $3,000 in deductibles, coinsurance, and co-pays the plan will pay for any covered care above that amount for the rest of the year.

 

These expenses are incurred by people who do not have health insurance. People without insurance are occasionally forced into considerable debt or even bankruptcy as a result of this.

We are Committed to Helping You Find Coverage
Experienced Team

Highly experienced and knowledgeable staff who can help you get the best coverage you need.

Certified Navigators

Our team of Marketplace Navigators is certified to help your family find the exact coverage you need.

Always No Cost

We're funded through a grant from Health and Human Services, a federal entity.

Support Available

We’re always here when you need us. We work to get the answers you need to get coverage and stay enrolled.

Open Enrollment has ended, but you may be eligible for the Special Enrollment Period.

The Special Enrollment Period is a time outside the yearly Open Enrollment Period when you can sign up for health insurance based on certain life events. Covering Central Florida Marketplace Navigators are available to help answer any questions, listen to feedback, or other inquiries using our support form.

How It Feels to Enroll in Affordable Health Insurance
👋 Before You Go
You may qualify for year-round Health Insurance Marketplace enrollment, if your household income is no more than:

$19,320 for individuals
$26,130 for a family of 2
$32,940 for a family of 3
$39,750 for a family of 4
$46,560 for a family of 5
$53,370 for a family of 6

Covering Central Florida is federally funded, and services are offered completely free.