Florida Health Insurance
Exchanges - Florida Health Insurance Free
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As we progress forward with Obamacare and it is becoming more evident
we must understand where we stand as
individuals and family. Let's look at what is
involved with the Florida Obamacare exchanges.
Florida Exchange and Health Plan Requirements:
Under the Affordable Care Act or Obamacare,
exchanges were created which allowed for
consumers to shop for health plans online.
Each state like Florida had the option of creating their
own exchange or having their citizens use the
federal exchange. Along with the state exchanges
and federal exchange, private companies were also
allowed to create exchanges.
These exchanges allowed for citizens to receive
health subsidies as long as they met certain financial
requirements and the health plans offered met certain ACA standards.
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So what do exchange plans have to offer?
Plan Requirements:
Exchanges can vary from state to state but they must meet certain requirements
under the ACA.
To be a Qualified Health Benefit Plan the exchange’s health plan must meet the following requirements:
• Meet all essential benefits• Only include fully insured plans• Meet certain accreditation requirements on clinical quality measures
•Grant access to all patients with pre-existing conditions• Set no annual limits on essential health benefits• Set no lifetime limits on essential health benefits• Offer at least five levels of coverage
The 5 Levels of Coverage:
One of the requirements of being an exchange and
being eligible for subsidy use is having at least five levels of coverage. The government set up plan
names to help simplify the shopping experience.
Bronze catastrophic individual plans must cover 60 percent of costs, Silver
must cover 70 percent, Gold 80 percent and Platinum must cover 90 percent. A Qualified Health Benefit
Plan on an exchange must offer at least one gold or
silver category.
Essential Health Benefits:These health benefits
are still being defined and vary for certain individuals, but here
are some examples and categories of essential
health benefits:
• Ambulatory services• Emergency services• Hospitalization• Laboratory work• Maternity and newborn care• Mental health and substance abuse treatment• Prescription drugs• Rehabilitative and habit treating services
• Preventive services and chronic disease management• Oral and vision care for childrenFor more information about
what is covered and not covered under exchange health plans talk to an
agent today. You can also get your free Florida health insurance quote instantly!
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