Affordable Care Act (ACA) Health Insurance Information Serving Fort Myers, Lakeland, Naples, Sarasota, Tampa, Bonita Springs, Bradenton, FL, and all of West, Central, and Southwest Florida
ACA Health Coverage Through Bay Insurance
The Affordable Care Act (ACA), commonly known as Obamacare, is federal health reform legislation signed into law in March 2010. It expanded access to health insurance and introduced consumer protections, including coverage for pre-existing conditions.
ACA-compliant plans are available through the federal Health Insurance Marketplace. Depending on income and household size, individuals and families may qualify for premium tax credits to help reduce monthly premium costs.
These subsidies adjust annually based on income and plan costs.
Contact us for more information.
ACA Eligibility in Florida
ACA health plans are available to U.S. citizens and lawfully present individuals living in the United States. In Florida, applicants must list their Florida residence as their primary address to qualify for coverage through the federal Health Insurance Marketplace.
Household income and family size determine eligibility for financial assistance, including premium tax credits and cost-sharing reductions. These subsidies are based on federal poverty guidelines and are designed to make coverage more affordable.
Individuals residing in nursing homes or long-term care facilities may have different coverage options, such as Medicaid or Medicare, depending on their situation. Incarcerated individuals are not eligible for Marketplace coverage while confined, but may apply before release.
To get help understanding eligibility and subsidy qualifications, you may speak with a licensed insurance agent.
Florida Blue Coverage Across Florida
Florida Blue offers a range of individual health plans that meet the requirements of the Affordable Care Act (ACA). As an insurer with plan availability in all Florida counties, Florida Blue provides access to ACA-compliant coverage options to individuals and families throughout the state.
Bay Insurance is a local agency representing Florida Blue. We serve communities across West, Central, and Southwest Florida, including Sarasota, Bradenton, Naples, Tampa, Lakeland, Fort Myers, and Bonita Springs.
For help reviewing available ACA plans and understanding coverage features, you may contact a licensed insurance representative. Coverage options vary by county and household eligibility.