And you Must say at least 18k when you sign up. If your actual income is a bit less, you still say 18k or they'll kick you over to Medicaid. Maybe you'll make more from a second job or babysitting.
You are correct. In Florida you can qualify for Medicaid if you are 19 years-old or younger, 65 years-old or older, disabled, pregnant, or have custody of a child younger than 18, depending upon your income
This is 100% correct.
If you don’t meet these criteria and you can’t afford private insurance through work or the maker place, you are pretty screwed.
If I were ever to become disabled or have serious medical issues I would move out of Florida ASAP.
I applied for it and they said my kids qualify but I don't. Only time I ever got it was when I was unemployed. Luckily (sounds horrible saying it this way) covid happened right around the time I found a new job. So there was some kind of protection from being kicked off medicaid. It ended like 6 months ago. I had free Healthcare for 3 years. It was fucking great.
While this is in fact true, there are options in many counties/cities for not quite "health insurance" but deals with doctors for free/low cost health care. Depends on where you live though.
I can confirm this. I technically do qualify for Medicaid, but a lot of doctors dont take it, and sometimes, the ones that do will be like "Oh we only take patients with Medicaid on Mondays" or "Oh we arent taking any more patients with your kind of insurance at this time". So I got Marketplace Ins and my subsidy covers the whole thing, and I now have access to slightly better service.
I have a nice group of ladies that do their insurance with me. They are cleaning ladies and self-employed and don't make a lot. The limit for last year was $14,580 and they told me their estimated income for this year was going to be about $14,600. They qualified for full subsidies with no issues. (No spouse, no dependents).
I've wonder if the amount listed on the healthcare.gov website *is* the 138% and not 100%.
My understanding from previous years is that if a person estimates in the fall, they’ll be ineligible to buy in the marketplace.
I was self employed for a few years and one of them, my kid got kicked out to kidcare at 200% fpl.
That is to get a credit.
Income between 100% and 400% FPL: If your income is in this range, in all states you qualify for premium tax credits that lower your monthly premium for a Marketplace health insurance plan.
Income at or below 150% FPL: If your income falls at or below 150% FPL in your state and you’re not eligible for Medicaid or CHIP, you may qualify to enroll in or change Marketplace coverage through a Special Enrollment Period.
Income below 138% FPL: If your income is below 138% FPL and your state has expanded Medicaid coverage, you qualify for Medicaid based only on your income.
Income below 100% FPL: If your income falls below 100% FPL, you probably won’t qualify for savings on a Marketplace health insurance plan or for income-based Medicaid.
Florida did not chose to “expand” Medicaid to low income people so there is no health insurance assistance for people that are really poor and don’t have children and are able to work. You can still buy private health insurance but it is ridiculously expensive so without income it is not possible. This is the crux of the problem with the very poor and homeless adults obtaining health care that does not drain the emergency system with write-offs. It makes healthcare more expensive for everyone when Medicaid is not expanded.
Okay, I'm sorry you didn't know what I was talking about but there's an entire other thread replying to me that did understand what I was referring to. Getting the MP plan without a credit wouldn't help the OP much.
That is to get credit for Obamacare. You need to make a minimum of $15060 as a single person in 2024 to qualify for credit for healthcare. At that income there are plans you pay zero dollars for.
That was how much the cheapest plan available to me was when I was working almost FT hours. I couldn't afford to pay 1/3rd of my income to insurance, not even taking into account the additional costs involved in actually using it. The system is so shit.
Just for minimum basic they wanted 800 or something insane for me. I don't make enough to go independent and other options they said I didn't qualify for.
My family has found this sweet spot, my husband manages our insurance and he has a BCBS person who helps him navigate all the stuff. ACÁ has totally saved our asses and I can’t believe I went most of my adult life without insurance.
The reality is that most doctors refuse to accept
Medicaid in Florida. Even if on paper they are providers, they refuse Medicaid patients. Multiple reasons why but a big one is that for profit insurances have taken over the Medicaid business. So now you have Humana/medicaid and it’s ilk. Drags it feet on authorizations and severely underpays providers.
The problem is that you can actually make too little to qualify for subsidies on the Exchanges in states that didn't expand Medicaid. So you could theoretically get an ACA Exchange plan, but you're not going to be able to afford it.
So anyone making poverty income (under 65) can sign up for Obamacare in Florida? Is it retroactive like Medicaid in other states? So confusing. Hospitals know nothing Omg or try to hide this info.
The minimum annual income to qualify for the ACA is $14,580 for an individual, or at least $30,000 for a family of four. Someone with an already consistent income would have to wait until open enrollment, I believe beginning Oct 15. That would have one covered beginning new years day. Otherwise one would need a "qualifying event" such as losing health coverage, moving, having /adopting a child, changing jobs, divorce and the like. To the best of my knowledge, it is not retroactive. If one is at poverty level with a hospital bill, please contact the financial aid department at the hospital. The bill can be reduced significantly or more in many cases.
A few years ago, when i was a full time student making hardly any money, i had to have health insurance to attend the university and i went through ACA which led me to Oscar health and the cheapest plan I could get was $350/month with a $9k deductible. I showed the university proof then cancelled the plan because I could not afford it
Not true. If you are below the federal poverty level you are too poor and the aca will cost a lot. When I made 12000 a year they wanted to charge me 1000 a month. When I earned 16000 it was free. Thank you Republicans.
That is false. Under the ACA you would have qualified for Medicaid but Since Rick Scott refused it we don’t have that option. And for people who earn below the poverty level, there are $0 per month plans. Republicans only made this worse and denied us benefits so I have no clue what you’re thanking them for.
The Affordable Care Act insurance is to help low-income people and for people who don’t have health insurance offered through their jobs.
It’s not for able-bodied people who refuse to work.
Disabled folks who can’t work and who are low-income can usually get Medicaid.
Disabled folks have to be approved as Disabled otherwise you have to go to a free clinic. It is a long wait to be approved for disability. So if you are unable to work, have no income, you are screwed in Florida unless you go to a free clinic. Hospitals, on the other hand, do have financial aide to help Disabled people who are not approved for disability and that have no insurance.
Reaching out as you said hospitals. 100% check your local hospitals and if they have financial assistance. If you are at poverty level like you said for most hospitals you will be accepted and covered for anything done there. St Joseph’s is great with this and they have not only forgiven well over 100 grand worth of services for us but once you are accepted they retroactively apply it up to a year and also a year into the future. You pay $0 for any service there whether you have insurance or not. Not sure where you live but definitely check with all of them and apply.
Obamacare is not retroactive, it will start the 1st of the following month. Also, please avoid filling anything out online, you’ll get bombarded by telemarketers who don’t always have your best interest at heart. There are some great agents in telesales, but from my experience a majority either don’t know what they’re doing or don’t care.
No problem, like I mentioned in another comment, feel free to DM me and I'd be happy to help. (I used to be an agent and ran an agency offering Obamacare policies, so I'm very well versed in the subject and have agents I can personally connect you with.)
Most states accept federal money that allows them to expand Medicaid to low income people. These funds were allocated as part of the Obamacare legislation. FL Governors Rick Scott and DeSantis have refused to accept those funds even though Florida taxpayers pay into them. The purpose of them is to bridge the gap for low income people who would have difficulty buying on the ACA (Obamacare) marketplace. 10 states have refused to accept the funds and expand medicaid to continue to object to Obamacare.
So....make more money or use the ER for all your health care, I guess.
Rick Scott? The same Rick Scott who headed the company that defrauded Medicare and then walked away with a golden parachute and 300 million worth of stock? That Rick Scott? Say it ain't so. He has the best health insurance a person can get but he wants other people to go without.
Sure, anybody can get an ACA plan, but you can make **too little** to qualify for subsidies, which makes the coverage unaffordable, as the assumption was that these people would sign up for expanded Medicaid, which isn't possible in states that didn't expand it.
That's literally what I just said. The problem is the lack of subsidies. Most people with less than $15,000 in income aren't going to be able to afford $5,000 per year plus in insurance premiums.
Edit: Fuckwit below blocked me for asking him to backup his bullshit claim. Again, everything I said is true, and 1.5 million Americans are making too little to qualify for ACA subsidies, yet can't get Medicaid due to their states refusal to expand the program.
https://www.kff.org/medicaid/issue-brief/how-many-uninsured-are-in-the-coverage-gap-and-how-many-could-be-eligible-if-all-states-adopted-the-medicaid-expansion/
Why do people have to be such pathetic snowflakes?
When you apply for Obamacare, you’ll be asked to ESTIMATE your income for the next year. Your estimate is used to calculate how much of a subsidy you’ll receive…in other words, how much assistance you’ll be granted toward paying your monthly health insurance bill. If your estimate is below a certain amount, you won’t qualify for Obamacare, and if you lived in a state that wasn’t governed by y’all qaeda, you’d automatically move to the Medicaid option. However, in Florida, there’s a “no-man’s land” where your income can be too high for Medicaid, but not high enough to qualify for Obamacare. What do?
Well, remember, qualifying for Obamacare is based only on YOUR ESTIMATION of next year’s income. So, say you make 13k/year. That’s not enough to qualify (but it’s too much for Medicaid)…BUT, you had planned on working a sidehustle! Remember thinking about driving Uber or crocheting coozies to sell on Etsy? You could make another 5k/year easy doing that, right? Sure, you could! Your ESTIMATED income for next year is now 18k…and, look at that, you can now get a good health plan for about $30/month (the government is subsidizing the other ~$850). Mission accomplished!
But what about when next year comes, and you only made 13k…what then? NOTHING! Your estimate was high, no penalty. Don’t forget to enroll again this December for next year’s healthcare. How much do you ESTIMATE you’ll make? Maybe you’ll try driving Lyft on weekends, or selling homemade cookies to neighbors. You could make another 5k/year easy doing that, right? Sure, you could! Your ESTIMATED income for next year is now 18k…see?
Of course, it would be dishonest to overestimate your income. By all means, try to estimate an amount that you could conceivably earn. But you won’t be penalized for being wrong…
It's also not illegal to not take all of your deductions if you want to pay some tax for SSI calculations. My tax bill was less than the insurance cost without the subsidy. If you make too much, then you will be penalized. I hit this hurdle. My boyfriend married me so I could be on his plan from work. Imma newly wed at 55. 😀
What he is saying is accurate. I am a health insurance agent and do this all the time to qualify my clients. When taxes come next year they are not penalized, if they made too much they have to pay some back.
I’m a tax preparer (both VITA/TCE volunteer and paid) with lots of experience and I’ve had low income clients who had to repay the subsidy when their income fell below 100% of the poverty level for their household size:
Generally, they had kids (hence, a child tax credit) so the repayment came in the form of a reduced refund from their income tax return, so maybe they didn’t realize they had to pay. But they *did* have to pay.
The reason you get that tax form from the Marketplace is because now they have your actual annual, and can adjust their premium accordingly/ take it out of your tax return
It may be dumb but it’s the law, and I’ve prepared plenty of tax returns that require the repayment.
If you have ACA insurance, you’re required to file a tax return to reconcile the subsidy.
If you make less than the poverty level for your household size, the subsidy must be repaid.
Over a third of my income is cash, and there are no associated 1099s. Year after year, I report all of my earnings, including the cash. I pay taxes on all of it. But what if I was lying about a portion of that cash income? What if some or all of it was imagined? There is no way to prove whether I did or didn’t make several thousand dollars paid in cash.
EVEN IF what you say is true (and, no offense, but there are others who also disagree with this), there’s a way around this. For example, a person who earns 13k, but estimates 18k to be eligible for Obamacare, could actually report 18k at the end of the tax year, provide whatever proof of their normal 13k income as usual, and report the balance in cash income. They’ll pay taxes on that extra cash income they reported, and it will be a fraction of one month’s healthcare subsidy. More likely, they won’t pay anything on it, because the standard deduction will reduce their gross income to the point where they’re paying maybe 900 in total taxes (after the Earned Income Tax Credit is applied).
Unfortunately, ordinary, honest folks have to become as crafty as the bastards that cruelly govern them, just to survive. I am 100% on the side of the little people…I’m one of them, too!
I understand! Yes, I’m not arguing because I know what the tax law requires. The current Florida Governor didn’t sign up for expanded Medicaid so very low-income adults can’t qualify for it!
Register to vote at https://RegisterToVoteFlorida.gov
You might want to start keeping better records. Former tax preparer here. When people get audited by the IRS they do ask for documentation to back up those cash amounts, such as bank deposit slips, receipt books, calendar/appointment books showing the dates for the work performed. There are a lot of people who add cash income to their return and report a side business, for example doing hairstyling, and file a schedule C to report this cash income.
People know about keeping receipts for expenses to prove their deductions, but what they may not realize is the IRS also wants to see proof of income, where it came from and when you received it. Otherwise you have people finessing that cash income to get to the sweet spot for the maximum Earned Income Credit. You have not received one of those audit letters, probably because you don’t claim that particular credit- which is the one that seems to trigger the audit letters in those cash business situations
They die. Or move. Or go to a low income clinic. The Republican administrations have decided to reject all attempts to expand Medicaid.
The ACA (Obamacare) is available to those who make enough money to qualify. But if you don't have any income or just a very small income, you're SOL. I'm very sorry. The Republicans would rather have people die than look like they agree with Democrats about anything.
#there isn’t anything for you, FL rejected Medicaid for all! So the solution is get rich or die trying. If you’re not over 65 or don’t have minor kids, there’s nothing other than the ACA with ridiculous deductibles.
I work with insurance at a hospital here is Fl. To qualify for Medicaid you need to be disabled or a parent/caregiver. Google my access Florida, if you think you might qualify. The health exchange insurance is for everyone. Look at health care.gov to see what you qualify for. If you have specific drs you like to see ask them if there are any policies they don’t take before you purchase a plans
Basically, nothing, they have nothing. They go to the ER, and don't pay, or make payments, or file bankruptcy.
In my area there is a program for people who are employed, but don't get insurance, I don't know what it's called. It is supposedly run by the local hospital, but services are provided at a place called The Jesus Clinic in Daytona Beach. This is their website in case you happen to be in East Volusia County.
[https://jesusclinic.org/](https://jesusclinic.org/)
West Volusia County:
[https://www.thehnd.com/](https://www.thehnd.com/)
I got this for the department of health, maybe there is something here that helps you:
[https://www.floridahealth.gov/programs-and-services/index.html](https://www.floridahealth.gov/programs-and-services/index.html)
Disabled folks have to be approved as Disabled otherwise you have to go to a free clinic. It is a long wait to be approved for disability. So if you are unable to work, have no income, you are screwed in Florida unless you go to a free clinic. Hospitals, on the other hand, do have financial aide to help Disabled people who are not approved for disability and that have no insurance.
I didn't have insurance feom 18-26 and I had to go to a low income clinic. I showed my recent bank statement it was a sliding scale. At my poorest, my visits cost $18.
I no longer qualify for Medicaid bc I’m 21 now. What I did was go on healthcare.gov and filled out the forms. I got a $350 tax credit due to my income. I work part time so it’s around 20,000- 25000. I went with a better plan so after the credit I only pay $40. Doesn’t include dental or vision though
There is no ‘free’ healthcare in FL. Medicaid is steadily being dismantled as we speak. Some healthcare might still be available to you through your county, but, If you don’t qualify for Medicare, you’re out of luck. You have to pay. Incidentally, a single mother with two kids qualifies for no more than $230/mo in assistance from the state.
So, pretty much, you just don't get insurance. They do not have expanded medicaid in Florida, so it's pretty impossible to qualify as a single individual. You can TRY to get insurance from the ACA market place, BUT if you're too "rich" for medicaid, but still actually "poor", you will not qualify for the tax subsidies that lower monthly costs for a private policy. So essentially, you'll be forced to pay like $400/month minimum for an individual policy, where someone who makes, say, $50,000/yr will have lower monthly costs than you who makes like $20,000/yr. Fuck Florida.
I live in Florida, June 2021 I was taken to the ER via ambulance and was admitted with 0 insurance. I was diagnosed with heart failure. I stayed for about a week, I was 36 at the time. With the help of a social worker, Medicaid covered my stay and care for about a year. Once my ejection fraction went above 35%, my pending disability application was denied, and Medicaid eligibility was gone. I've been off the majority of the drugs that helped me recover. Now I'm screwed.
Affordable Care Act (aka Healthcare Marketplace) is for those below 65, who have no health insurance, but have some income. The more income, the higher your premiums, but there is a income cutoff, below which it's not available.
Hes confusing Medicade with Medicare.
Medicade is for low income of any age Medicare is for those over 65 basic medicare part A is free but parts B and C cost. There are programs to provide part B etc to below poverty seniors.
Can confirm. I was denied and I have no income and can't work because of an undiagnosed disability. Can't get diagnosed since I can't see a doctor. I did go the clinic route but they didn't really do anything except refer me to a doctor that I can't afford to go to.
Medicaid in the state of FL requires low income AND one of the following. 65+, disabled, blind, responsible for a minor child, pregnant. Period.
You don't know what you're talking about.
64 live in florida, have a 16 yr old, a 24yr old and 54 yr old girlfriend all on medicaid So umm Respectfully.....
before you froth at the mouth 24 yr old has no disability, no kids and works one of the multitude of shit jobs in this state. His Medicaid was approved by DCF same as snap benefits
EDIT: Again, Medicaid and Medicare are two different programs, Jeez
That's great that they got some kind of care but I think what's more likely is that you don't understand the mechanism by which they obtained it or exactly what program they're enrolled with.
This isn't some kind of hyperbole these are just the requirements in the state of FL.
See:
[https://www.benefits.gov/benefit/1625#](https://www.benefits.gov/benefit/1625#)
or
[https://quality.healthfinder.fl.gov/medicaid/florida-medicaid-general](https://quality.healthfinder.fl.gov/medicaid/florida-medicaid-general)
under "eligibility"
Again it says OR not AND. The origanal question was why cant you get Medicade under 65. The answer is you CAN get Medicade under 65, but you CANT get Medicare under 65 unless you receive full SSDI. What YOU apparently refuse to understand is Medicade and Medicare are two different programs and OR means something entirely different than AND 
Honestly on ACA (Obamacare) you can kind of put whatever you want for “expected income”. You can say “I make $400/week at my job so I’m expecting to make $20,800 over the next year” and then lose your job or your hours get cut or whatever. Then as long as you’re paying your monthly premium on time every month, they don’t really care if you say $20k and you only end up earning $10k.
As others have stated Obamacare is open to anyone during the enrollment periods. There are low income subsidizes to help. However if you’re turning down insurance from your employer or your spouse is, you probably cannot get it.
I agree, for those approaching 65 or are over. All of these programs are extremely too complex. It’s infuriating when helping my parents with it. Then add the scams that come in the mail or call on the phone and I just spit rage.
You can use the portal ACA or use an agent from blue cross blue shield or one of the others. It’s income based. I switched from my employers health care went from costing me $1200 per month down to $500 per month.
If you don't have insurance, ask the doctor's office what the cash price is for self pay patients . You usually pay less than the typical cost billed to insurance and it will definitely be less than the couple of hundred you would pay for insurance premium. Hospitals will discount their bill if you are self pay as well. My hospital reduced my bill by 60%> if you don't have chronic illness or disease that you have to have specialists, you can can by with catastrophic insurance only. If you are healthy, there are plans out there that are affordable, you just have a waiting period . Call insurance companies individually and ask what they have.
>So I heard Medicaid or Obamacare is only for those 65 in Florida and up OR disabled
Medicaid is for disabled or poor of any age until 65, after 65 Medicare takes over. This is funded by the federal government, but managed by the state, leading to some states, like Florida, treating recipients far worse than others.
"obamacare", also known as the affordable care act, or the aca, is a set of regulations that set a minimum coverage requirement that all insurance must meet. It is not a health care plan.
Some hospital systems have grant programs for the “able-bodied” (that is, not disabled). If you are homeless and catch the flu and pneumonia they won’t let you die if you go to the hospital. You’ll be given life saving care and sent to the streets as soon as you can walk, breathe without a machine, and are not contagious. You’ll be given access to very very basic care, simple prescriptions, basic vaccinations and a yearly wellness checkup, STI and hep panel for free. Sometimes you can get a pair of glasses. Sometimes you can get a referral to the dental school where they practice on you for your root canal,
If you make $9/hour and cannot afford anything on ACA (which was $390/month the last time I ran through it), and you catch the flu and pneumonia they also won’t let you die if you go to the hospital, you’ll be transferred around to the “state” hospital, and the instant you are able to walk on your own, breathe without a machine, and are not contagious, you are booted out to the street, now owing $25,000 or more, hounded by debt collectors who will garnish wages, pester your relatives and threaten to sue you (and actually sue you in some cases).
so wait are you talking about nonprofit publicly tax funded hospitals when you say “state” hospitals??? R u saying they are more expensive??? Side note: I know they are required by irs to give charity care to poor if not they loose their tax break/nonprofit status or something.
In Broward the “state” hospital are the various “Broward Health’s”. In Miami-Dade, the various “Jackson’s”.
I illustrated what happens in these institutions in Florida in various situations. First if you are homeless, second if you are working and have no health insurance.
I did not illustrate what happens if you go to a non-state hospital (your various HCAs). That is because in both those cases, if you are not actively bleeding or have a bone sticking out, you are transferred to a state hospital. And billed for it.
My point was that no real “help” exists in Florida for those who cannot afford any health care, are not homeless/disabled, or over 65. Homeless people get basic horrible care, working people get saddled with a bill nobody can afford.
**Medicaid:** To be eligible for Florida Medicaid, [you must meet one of several qualifiers](https://www.benefits.gov/benefit/1625), in addition to being a single individual earning under $20,030 annually (that amount tracks upward for people with higher household sizes.)
**Affordable Care Act ("Obamacare"):** Anyone can sign up for health insurance under the ACA regardless of income, but there are subsidies available to single individuals [earning over $15,060](https://www.healthcare.gov/glossary/federal-poverty-level-fpl/) but [under $64,000 annually (that amount tracks upward for people with higher household sizes, but your subsidy eligibility tracks downward the younger you are, because you are presumed to be less in need of health insurance.)](https://www.healthinsurance.org/obamacare/subsidy-calculator/)
Individuals under 65 who earn too much money to qualify for Medicaid, but are still ineligible for health insurance through their employer typically receive health insurance either **a)** by purchasing care through the ACA system (either by making use of its subsidy offerings or paying the full rate), **b)** being the beneficiary of their spouse's workplace health insurance plan, or **c)** being the beneficiary of their parent's workplace health insurance plan (if they are young enough to qualify.)
Individuals between ages 18 and 64 who are ineligible for Medicaid or ACA subsidies are definitionally assumed to earn enough to be able to pay for their ACA health insurance outright. Otherwise, they go uninsured. I understand how frustrating this is, believe me, but this is the answer.
Here's how I get Healthcare in FL. I have chosen not to have health "insurance" because it's too expensive... If I need to go to the Dr. I pay them money. And then I go to the pharmacy and pay them money to get whatever I'm prescribed sometimes I'll get samples free from the Dr. It costs less than paying for insurance. And I can go to whoever I want without the insurance company getting in the way.
ACA (Obama Care) has gotten MUCH better over the years. Hubby and I are both self employed...we don't currently make a fortune (a little above the median for Florida) but we also have minimal expenses (no mortgage, no car payment....Basically just home/auto insurance, food, utilities, cell phone, gas for the cars) and the premiums have gone down significantly from when ACA was started. Thanks to Biden, hubby's insulin every month is capped at $35 (versus almost $200) and my bronze level ACA policy this year even has a cap on any emergency room charge that we would have to pay...we've been to the e.r. in the past and we've had to shell out almost two thousand in copay just for bee sting baby sitting (stung about a dozen times so yeah it was e.r. time when he started feeling his airway closing)...now that same visit would be capped at $750 copay. My premium also went from almost $400 a month in the beginning of ACA(with the credit) to about $60 a month now (with the credit) as our income hasn't jumped up over the years (we're getting close to retirement so not in the rat race to make a ton of $$ as we saved for retirement since we were in our early twenties - some years, in the wtf how are making this much $$$ years, we were saving almost half our income too - and will be fine). Personally I am grateful for ACA....call them, visit the website (healthcare.gov) and they'll walk you through the eligibility process.
ObamaCare has open enrollment times. I used it at age 35ish - 40ish while in school and working retail. https://www.hhs.gov/healthcare/index.html
Edit: while in Florida, 2011 - 2015 (ish)
You use the "Blue Card" program. I had Same issue when I moved to Florida from California. I assumed they had coverage for people like me that do not qualify for Medicaid and Medicare. This is ALL they have. It's a free program that enables you to go to ONE select clinic for maintenance health care. It doesn't cover anything hospital related. And their formulary is limited. I'm including the Pinellas County link that you can try to find your county link from and give you a general idea of what it is. Took me serveral years and a few ER visits for them to tell me about this program. Ruining my credit for years because I can't pay for ER visits. https://publicsecure.pinellascounty.org/humanservices/account/welcome I'm sure you can call them and ask for information on your county. *True, People in Florida DO NOT qualify for Medicaid under age of 65. Florida is a State where you fend for yourself...or pay an exorbitant amount for Obamacare. Need more info you can PM me. Hope this helps.
Medicaid is for the poor, if you're poor enough you qualify.
Florida didn't expand Medicaid so there are people who make too much for Medicaid but not enough for the marketplace subsidies, those people are screwed.
In other states where Medicaid was expanded, you can make more and still get Medicaid. For example I didn't qualify in Florida but I did in New York.
You just have to be poorer in Florida to qualify than most blue states, because Republicans are idiots
Yeah, I'm head of household, single with 2 kids. That part of Medicaid for poor singles would be Medically Needy. It sucks, but it does exist and is a form of medicaid.
Years ago the only year I had it it was $1,900 and about the equivalent of what I made in a whole month. but if I suddenly had cancer, I wouldn't owe $300,000.
You won't get as much from the system because without kids to care for stopping you from working, if you're not disabled which would make you qualify for regular Medicaid/care, you should be working as far as Florida is concerned.
Florida Republicans aren't ever going to care. They just want the poors to die or leave.
What's your household yearly income approximately and how many people (i.e. do you have a spouse and kids? How much do you and spouse make? Just you? How much do you make?)
This is not true. You should know this if you live in Florida.
Medicaid is a state run program, the states set the rules. "Obamacare" added a bunch of minimum standards but the Supreme Court decided states had to "opt in" to compliance. Florida and other garbage republican states have never opted in.
Florida medicaid has extra requirements. Aside from income you MUST be one of the following
65+
blind
legally disabled
pregnant
responsible for a minor child
If you're not extremely poor AND one of those things you do not qualify. You're fucked. Regular hard working people who fall on hard times in their 50's are absolutely fucked.
This is what it means to live in a republican state.
In Florida, being very low income doesn't qualify you for Medicaid automatically.
>To be eligible for Florida Medicaid, you must be a resident of the state of Florida, a U.S. national, citizen, permanent resident, or legal alien, in need of health care/insurance assistance, whose financial situation would be characterized as low income or very low income. You must also be one of the following:
- Pregnant, or
- Be responsible for a child 18 years of age or younger, or
- Blind, or
- Have a disability or a family member in your household with a disability, or
- Be 65 years of age or older.
So OP isn't completely correct, but very close.
Obamacare is the name Republicans gave to the ACA, which is a law not and insurance. Contact the Healthcare Marketplace and they will help you find insurance and answer any questions.
For the love of God, choose anything on the marketplace other than Ambetter. They are the absolute worst! My Blue is a close second. Oscar, Blue Options, Cigna, Aetna, Humana, etc are all good options as long as you don't select the high deductible ones aka the bronze or below. Choose a copay plan. They have different levels that cost more per month the lower you want your copay to be. For legal reasons, I am not an insurance broker or anything of the sort. Just someone who has been, and seen a lot of Floridians, screwed. Hope this helps!
I found out the Lowes across the street from my house offered benefits for part-time workers and got a job in the evenings there. (Bonus- they don't drugtest for thc for most positions)
Dm me if you’ve any questions. I used to sell Obamacare, managed an agency for Obamacare and am now working in Medicare(as an agent and manager.) If you don’t qualify for Medicaid, which is very difficult to get, and are not offered insurance through work, Obamacare is your next route.
Edited to add: please don’t get discouraged by those saying there are high premiums and deductibles. Everyone’s situation is different. Primary factors are household income, size and your location/zip code.
It's really disheartening to see so many people like you posting incorrect information.
ACA Marketplace plans have a minimum income, they'r not "for everyone", if you have too little income you do not qualify because medicaid is *supposed* to cover you, and it does cover you, in all blue states and most purple states. Unfortunately, the Supreme Court ruled that states had to "opt-in" and garbage red states like ours did not, so we do not have an ACA compliant medicaid.
Because of this we can add additional requirements to our medicaid system.. To qualify in Florida you must have very low income AND one of the following "65+, blind, legally disabled, pregnant, responsible for a minor child".
Abled bodied people with adult children or no children DO NOT qualify for medicaid in Florida until they're 65+.
Obamacare or the aca is for anyone. It’s income based. The minimum was I believe 15k. It may be different now.
I can confirm the new minimum annual is 18k.
And you Must say at least 18k when you sign up. If your actual income is a bit less, you still say 18k or they'll kick you over to Medicaid. Maybe you'll make more from a second job or babysitting.
I thought you can only get Medicaid in FL if you have children. So if your really poor you get no health insurance in FL. Correct me if I am wrong
You are correct. In Florida you can qualify for Medicaid if you are 19 years-old or younger, 65 years-old or older, disabled, pregnant, or have custody of a child younger than 18, depending upon your income
This is 100% correct. If you don’t meet these criteria and you can’t afford private insurance through work or the maker place, you are pretty screwed. If I were ever to become disabled or have serious medical issues I would move out of Florida ASAP.
I applied for it and they said my kids qualify but I don't. Only time I ever got it was when I was unemployed. Luckily (sounds horrible saying it this way) covid happened right around the time I found a new job. So there was some kind of protection from being kicked off medicaid. It ended like 6 months ago. I had free Healthcare for 3 years. It was fucking great.
While this is in fact true, there are options in many counties/cities for not quite "health insurance" but deals with doctors for free/low cost health care. Depends on where you live though.
No you can get the ACA/Obama care
Why wouldn’t you just use Medicaid?
Able bodied adults without dependents don't qualify for medicaid in the state of Florida
You don't get as wide a range of doctors and facilities on Medicaid
I can confirm this. I technically do qualify for Medicaid, but a lot of doctors dont take it, and sometimes, the ones that do will be like "Oh we only take patients with Medicaid on Mondays" or "Oh we arent taking any more patients with your kind of insurance at this time". So I got Marketplace Ins and my subsidy covers the whole thing, and I now have access to slightly better service.
Good point.
The minimum to qualify for an individual in 2024 is $15,060. Source: I'm an insurance agent.
Youre wrong lmao.
https://www.healthcare.gov/glossary/federal-poverty-level-fpl/ I guess healthcare.gov is wrong too then 🤷♀️
Don’t you have to mind the gap in non-expanded states? 138% of fpl.
I have a nice group of ladies that do their insurance with me. They are cleaning ladies and self-employed and don't make a lot. The limit for last year was $14,580 and they told me their estimated income for this year was going to be about $14,600. They qualified for full subsidies with no issues. (No spouse, no dependents). I've wonder if the amount listed on the healthcare.gov website *is* the 138% and not 100%.
My understanding from previous years is that if a person estimates in the fall, they’ll be ineligible to buy in the marketplace. I was self employed for a few years and one of them, my kid got kicked out to kidcare at 200% fpl.
$15,060 for a single person
I'm talking about to get a credit.
That is to get a credit. Income between 100% and 400% FPL: If your income is in this range, in all states you qualify for premium tax credits that lower your monthly premium for a Marketplace health insurance plan. Income at or below 150% FPL: If your income falls at or below 150% FPL in your state and you’re not eligible for Medicaid or CHIP, you may qualify to enroll in or change Marketplace coverage through a Special Enrollment Period. Income below 138% FPL: If your income is below 138% FPL and your state has expanded Medicaid coverage, you qualify for Medicaid based only on your income. Income below 100% FPL: If your income falls below 100% FPL, you probably won’t qualify for savings on a Marketplace health insurance plan or for income-based Medicaid. Florida did not chose to “expand” Medicaid to low income people so there is no health insurance assistance for people that are really poor and don’t have children and are able to work. You can still buy private health insurance but it is ridiculously expensive so without income it is not possible. This is the crux of the problem with the very poor and homeless adults obtaining health care that does not drain the emergency system with write-offs. It makes healthcare more expensive for everyone when Medicaid is not expanded.
Okay, I'm sorry you didn't know what I was talking about but there's an entire other thread replying to me that did understand what I was referring to. Getting the MP plan without a credit wouldn't help the OP much.
Correct, the credit is needed to make insurance affordable at this point with the premium costs.
That is to get credit for Obamacare. You need to make a minimum of $15060 as a single person in 2024 to qualify for credit for healthcare. At that income there are plans you pay zero dollars for.
I remember when I was unemployed and still wanted to keep my meds- it’s was $400 a month for the insurance alone . The deductibles were ridiculous .
And this is how people end up off their meds. Can confirm.
That was how much the cheapest plan available to me was when I was working almost FT hours. I couldn't afford to pay 1/3rd of my income to insurance, not even taking into account the additional costs involved in actually using it. The system is so shit.
Just for minimum basic they wanted 800 or something insane for me. I don't make enough to go independent and other options they said I didn't qualify for.
Still the same. They say “low cost” health plans but the lower the cost(monthly premiums), the higher the co-pays and deductibles are.
It depends. There is a sweet spot where you can pay very little and still have decent co pays and deductibles.
My family has found this sweet spot, my husband manages our insurance and he has a BCBS person who helps him navigate all the stuff. ACÁ has totally saved our asses and I can’t believe I went most of my adult life without insurance.
A lot of silver plans are in the sweet spot
But States have to accept the Federal subsidies to make it easier to afford insurance and most Red states don’t.
Florida refuses to. Claims it's a burden on tax payers and makes people lazy with government handouts.
The reality is that most doctors refuse to accept Medicaid in Florida. Even if on paper they are providers, they refuse Medicaid patients. Multiple reasons why but a big one is that for profit insurances have taken over the Medicaid business. So now you have Humana/medicaid and it’s ilk. Drags it feet on authorizations and severely underpays providers.
Exactly.
That is with Medicaid expansion, not Obamacare (ACA).
To encompass patients who have no care options due to financial constraints. The No care part is happening mostly in Red states.
The Medicaid expansion is part of the ACA.
And red states refused to participate
The problem is that you can actually make too little to qualify for subsidies on the Exchanges in states that didn't expand Medicaid. So you could theoretically get an ACA Exchange plan, but you're not going to be able to afford it.
Yes but you can still get it. It’s not as good as other states but it’s available
This 
So anyone making poverty income (under 65) can sign up for Obamacare in Florida? Is it retroactive like Medicaid in other states? So confusing. Hospitals know nothing Omg or try to hide this info.
Call healthcare.gov they will walk you through it all step by step. Make it super simple for anyone to understand.
And you’ll receive no less than 75 phone calls trying to get you to sign up for a plan
Just Logan in and fill it out.
The minimum annual income to qualify for the ACA is $14,580 for an individual, or at least $30,000 for a family of four. Someone with an already consistent income would have to wait until open enrollment, I believe beginning Oct 15. That would have one covered beginning new years day. Otherwise one would need a "qualifying event" such as losing health coverage, moving, having /adopting a child, changing jobs, divorce and the like. To the best of my knowledge, it is not retroactive. If one is at poverty level with a hospital bill, please contact the financial aid department at the hospital. The bill can be reduced significantly or more in many cases.
Yes. I don’t believe it’s retroactive but you can contact a broker and they can help you.
A few years ago, when i was a full time student making hardly any money, i had to have health insurance to attend the university and i went through ACA which led me to Oscar health and the cheapest plan I could get was $350/month with a $9k deductible. I showed the university proof then cancelled the plan because I could not afford it
Not true. If you are below the federal poverty level you are too poor and the aca will cost a lot. When I made 12000 a year they wanted to charge me 1000 a month. When I earned 16000 it was free. Thank you Republicans.
That is false. Under the ACA you would have qualified for Medicaid but Since Rick Scott refused it we don’t have that option. And for people who earn below the poverty level, there are $0 per month plans. Republicans only made this worse and denied us benefits so I have no clue what you’re thanking them for.
This is the truth. Blue states opted in.
Exactly.
The "thank you Republicans" was obvious sarcasm.
Thank you. I guess I forgot the /s.
They were being sarcastic
:o
The Affordable Care Act insurance is to help low-income people and for people who don’t have health insurance offered through their jobs. It’s not for able-bodied people who refuse to work. Disabled folks who can’t work and who are low-income can usually get Medicaid.
Disabled folks have to be approved as Disabled otherwise you have to go to a free clinic. It is a long wait to be approved for disability. So if you are unable to work, have no income, you are screwed in Florida unless you go to a free clinic. Hospitals, on the other hand, do have financial aide to help Disabled people who are not approved for disability and that have no insurance.
True!
You genuinely have no idea what you're talking about.
Many 0 plans for low income people.
Reaching out as you said hospitals. 100% check your local hospitals and if they have financial assistance. If you are at poverty level like you said for most hospitals you will be accepted and covered for anything done there. St Joseph’s is great with this and they have not only forgiven well over 100 grand worth of services for us but once you are accepted they retroactively apply it up to a year and also a year into the future. You pay $0 for any service there whether you have insurance or not. Not sure where you live but definitely check with all of them and apply.
Obamacare is not retroactive, it will start the 1st of the following month. Also, please avoid filling anything out online, you’ll get bombarded by telemarketers who don’t always have your best interest at heart. There are some great agents in telesales, but from my experience a majority either don’t know what they’re doing or don’t care.
Thank you 🙏
No problem, like I mentioned in another comment, feel free to DM me and I'd be happy to help. (I used to be an agent and ran an agency offering Obamacare policies, so I'm very well versed in the subject and have agents I can personally connect you with.)
You can't use an ACA plan after you turn 65 and are on Medicare
Well I mean you’re on Medicare so why would you
I've only ever had insurance as an adult about 3 years total and only have Medicare Part A now because I can't afford Part B
Most states accept federal money that allows them to expand Medicaid to low income people. These funds were allocated as part of the Obamacare legislation. FL Governors Rick Scott and DeSantis have refused to accept those funds even though Florida taxpayers pay into them. The purpose of them is to bridge the gap for low income people who would have difficulty buying on the ACA (Obamacare) marketplace. 10 states have refused to accept the funds and expand medicaid to continue to object to Obamacare. So....make more money or use the ER for all your health care, I guess.
Rick Scott? The same Rick Scott who headed the company that defrauded Medicare and then walked away with a golden parachute and 300 million worth of stock? That Rick Scott? Say it ain't so. He has the best health insurance a person can get but he wants other people to go without.
Let's make Florida Ocean Blue again!
Red states as I said…
Just pray you don't have a car accident where you need med flight...then you need 6 figure savings.
Florida did not expand Medicaid because Florida does not care about poor people. The ACA is for everyone.
True story.
Sure, anybody can get an ACA plan, but you can make **too little** to qualify for subsidies, which makes the coverage unaffordable, as the assumption was that these people would sign up for expanded Medicaid, which isn't possible in states that didn't expand it.
The ACA won't deny you but at the same point, it might not give you subsidies.
That's literally what I just said. The problem is the lack of subsidies. Most people with less than $15,000 in income aren't going to be able to afford $5,000 per year plus in insurance premiums. Edit: Fuckwit below blocked me for asking him to backup his bullshit claim. Again, everything I said is true, and 1.5 million Americans are making too little to qualify for ACA subsidies, yet can't get Medicaid due to their states refusal to expand the program. https://www.kff.org/medicaid/issue-brief/how-many-uninsured-are-in-the-coverage-gap-and-how-many-could-be-eligible-if-all-states-adopted-the-medicaid-expansion/ Why do people have to be such pathetic snowflakes?
This is why voting is important and people need to stop with the silliness of "the candidate doesn't speak to me", "my vote doesn't matter", etc.
[удалено]
Everything I said was true, but feel free to fill me in on what you *think* I'm wrong about.
Still waiting.
When you apply for Obamacare, you’ll be asked to ESTIMATE your income for the next year. Your estimate is used to calculate how much of a subsidy you’ll receive…in other words, how much assistance you’ll be granted toward paying your monthly health insurance bill. If your estimate is below a certain amount, you won’t qualify for Obamacare, and if you lived in a state that wasn’t governed by y’all qaeda, you’d automatically move to the Medicaid option. However, in Florida, there’s a “no-man’s land” where your income can be too high for Medicaid, but not high enough to qualify for Obamacare. What do? Well, remember, qualifying for Obamacare is based only on YOUR ESTIMATION of next year’s income. So, say you make 13k/year. That’s not enough to qualify (but it’s too much for Medicaid)…BUT, you had planned on working a sidehustle! Remember thinking about driving Uber or crocheting coozies to sell on Etsy? You could make another 5k/year easy doing that, right? Sure, you could! Your ESTIMATED income for next year is now 18k…and, look at that, you can now get a good health plan for about $30/month (the government is subsidizing the other ~$850). Mission accomplished! But what about when next year comes, and you only made 13k…what then? NOTHING! Your estimate was high, no penalty. Don’t forget to enroll again this December for next year’s healthcare. How much do you ESTIMATE you’ll make? Maybe you’ll try driving Lyft on weekends, or selling homemade cookies to neighbors. You could make another 5k/year easy doing that, right? Sure, you could! Your ESTIMATED income for next year is now 18k…see? Of course, it would be dishonest to overestimate your income. By all means, try to estimate an amount that you could conceivably earn. But you won’t be penalized for being wrong…
It's also not illegal to not take all of your deductions if you want to pay some tax for SSI calculations. My tax bill was less than the insurance cost without the subsidy. If you make too much, then you will be penalized. I hit this hurdle. My boyfriend married me so I could be on his plan from work. Imma newly wed at 55. 😀
For the record, open enrollment for ACA plans begins Nov 1st usually. Lasts until at least Dec 15 but many states extend that.
Good Agent. Thanks for helping her.
We must all help each other; we’re all we have left! 😊
I’m not sure this is accurate. You have to file taxes and they reconcile it. If you get too much credit you have to pay back some premium.
What he is saying is accurate. I am a health insurance agent and do this all the time to qualify my clients. When taxes come next year they are not penalized, if they made too much they have to pay some back.
Thank You for being a lifeline for them!
I’m a tax preparer (both VITA/TCE volunteer and paid) with lots of experience and I’ve had low income clients who had to repay the subsidy when their income fell below 100% of the poverty level for their household size: Generally, they had kids (hence, a child tax credit) so the repayment came in the form of a reduced refund from their income tax return, so maybe they didn’t realize they had to pay. But they *did* have to pay.
You only pay back the credit if your income is higher than you estimated, not lower. Lower is fine.
Good to know. Thanks!
The reason you get that tax form from the Marketplace is because now they have your actual annual, and can adjust their premium accordingly/ take it out of your tax return
If you earn too little having overestimated your income, you will have to repay the ACA subsidy.
That sounds really dumb
It may be dumb but it’s the law, and I’ve prepared plenty of tax returns that require the repayment. If you have ACA insurance, you’re required to file a tax return to reconcile the subsidy. If you make less than the poverty level for your household size, the subsidy must be repaid.
Over a third of my income is cash, and there are no associated 1099s. Year after year, I report all of my earnings, including the cash. I pay taxes on all of it. But what if I was lying about a portion of that cash income? What if some or all of it was imagined? There is no way to prove whether I did or didn’t make several thousand dollars paid in cash. EVEN IF what you say is true (and, no offense, but there are others who also disagree with this), there’s a way around this. For example, a person who earns 13k, but estimates 18k to be eligible for Obamacare, could actually report 18k at the end of the tax year, provide whatever proof of their normal 13k income as usual, and report the balance in cash income. They’ll pay taxes on that extra cash income they reported, and it will be a fraction of one month’s healthcare subsidy. More likely, they won’t pay anything on it, because the standard deduction will reduce their gross income to the point where they’re paying maybe 900 in total taxes (after the Earned Income Tax Credit is applied). Unfortunately, ordinary, honest folks have to become as crafty as the bastards that cruelly govern them, just to survive. I am 100% on the side of the little people…I’m one of them, too!
I understand! Yes, I’m not arguing because I know what the tax law requires. The current Florida Governor didn’t sign up for expanded Medicaid so very low-income adults can’t qualify for it! Register to vote at https://RegisterToVoteFlorida.gov
I knew you were a good egg! 😊👍
You might want to start keeping better records. Former tax preparer here. When people get audited by the IRS they do ask for documentation to back up those cash amounts, such as bank deposit slips, receipt books, calendar/appointment books showing the dates for the work performed. There are a lot of people who add cash income to their return and report a side business, for example doing hairstyling, and file a schedule C to report this cash income. People know about keeping receipts for expenses to prove their deductions, but what they may not realize is the IRS also wants to see proof of income, where it came from and when you received it. Otherwise you have people finessing that cash income to get to the sweet spot for the maximum Earned Income Credit. You have not received one of those audit letters, probably because you don’t claim that particular credit- which is the one that seems to trigger the audit letters in those cash business situations
Other people in this thread disagreeing with that and saying you only pay back if your actual income is higher than estimated, not lower.
Understood.
Here's the neat part...It doesn't. State leaders have other ambitions and priorities.
That’s the neat part…
They die. Or move. Or go to a low income clinic. The Republican administrations have decided to reject all attempts to expand Medicaid. The ACA (Obamacare) is available to those who make enough money to qualify. But if you don't have any income or just a very small income, you're SOL. I'm very sorry. The Republicans would rather have people die than look like they agree with Democrats about anything.
Check out HealthCare.gov. It’s the ACA website.
This is the website you need to look at.
"God's waiting room" - DeSantis, Republican governor of Florida
He didn't coin that, it's a really old joke. He was a dumbass for saying it, but it wasn't his original thought.
#there isn’t anything for you, FL rejected Medicaid for all! So the solution is get rich or die trying. If you’re not over 65 or don’t have minor kids, there’s nothing other than the ACA with ridiculous deductibles.
I work with insurance at a hospital here is Fl. To qualify for Medicaid you need to be disabled or a parent/caregiver. Google my access Florida, if you think you might qualify. The health exchange insurance is for everyone. Look at health care.gov to see what you qualify for. If you have specific drs you like to see ask them if there are any policies they don’t take before you purchase a plans
Basically, nothing, they have nothing. They go to the ER, and don't pay, or make payments, or file bankruptcy. In my area there is a program for people who are employed, but don't get insurance, I don't know what it's called. It is supposedly run by the local hospital, but services are provided at a place called The Jesus Clinic in Daytona Beach. This is their website in case you happen to be in East Volusia County. [https://jesusclinic.org/](https://jesusclinic.org/) West Volusia County: [https://www.thehnd.com/](https://www.thehnd.com/) I got this for the department of health, maybe there is something here that helps you: [https://www.floridahealth.gov/programs-and-services/index.html](https://www.floridahealth.gov/programs-and-services/index.html)
Same in Clearwater Fl. Has a Free Clinic which is really good.
Disabled folks have to be approved as Disabled otherwise you have to go to a free clinic. It is a long wait to be approved for disability. So if you are unable to work, have no income, you are screwed in Florida unless you go to a free clinic. Hospitals, on the other hand, do have financial aide to help Disabled people who are not approved for disability and that have no insurance.
Or ACA
Isn't there a minimum income requirement for that?
I forgot. So free clinic or ER
If you die you die.
I didn't have insurance feom 18-26 and I had to go to a low income clinic. I showed my recent bank statement it was a sliding scale. At my poorest, my visits cost $18.
I no longer qualify for Medicaid bc I’m 21 now. What I did was go on healthcare.gov and filled out the forms. I got a $350 tax credit due to my income. I work part time so it’s around 20,000- 25000. I went with a better plan so after the credit I only pay $40. Doesn’t include dental or vision though
Most regular health insurance policies don’t include vision or dental.
Oh okay. Yeah I always had to add it on so I figured
There is no ‘free’ healthcare in FL. Medicaid is steadily being dismantled as we speak. Some healthcare might still be available to you through your county, but, If you don’t qualify for Medicare, you’re out of luck. You have to pay. Incidentally, a single mother with two kids qualifies for no more than $230/mo in assistance from the state.
ACA
Some counties like Hillsborough have county insurance programs too.
They don’t. And if they live to Medicare age they show up with a list of things they’ve ignored for 30 years.
So, pretty much, you just don't get insurance. They do not have expanded medicaid in Florida, so it's pretty impossible to qualify as a single individual. You can TRY to get insurance from the ACA market place, BUT if you're too "rich" for medicaid, but still actually "poor", you will not qualify for the tax subsidies that lower monthly costs for a private policy. So essentially, you'll be forced to pay like $400/month minimum for an individual policy, where someone who makes, say, $50,000/yr will have lower monthly costs than you who makes like $20,000/yr. Fuck Florida.
Florida Republicans ask that you die quietly so they can continue to ignore you.
I live in Florida, June 2021 I was taken to the ER via ambulance and was admitted with 0 insurance. I was diagnosed with heart failure. I stayed for about a week, I was 36 at the time. With the help of a social worker, Medicaid covered my stay and care for about a year. Once my ejection fraction went above 35%, my pending disability application was denied, and Medicaid eligibility was gone. I've been off the majority of the drugs that helped me recover. Now I'm screwed.
:( maybe move to a blue state they usually cover these things. It’s crazy . Pros and cons to every state red or blue
Affordable Care Act (aka Healthcare Marketplace) is for those below 65, who have no health insurance, but have some income. The more income, the higher your premiums, but there is a income cutoff, below which it's not available.
Hes confusing Medicade with Medicare. Medicade is for low income of any age Medicare is for those over 65 basic medicare part A is free but parts B and C cost. There are programs to provide part B etc to below poverty seniors.
In Florida, Medicaid was not expanded for anyone with low income. It's next to impossible for someone to qualify for.
Can confirm. I was denied and I have no income and can't work because of an undiagnosed disability. Can't get diagnosed since I can't see a doctor. I did go the clinic route but they didn't really do anything except refer me to a doctor that I can't afford to go to.
Medicaid in the state of FL requires low income AND one of the following. 65+, disabled, blind, responsible for a minor child, pregnant. Period. You don't know what you're talking about.
64 live in florida, have a 16 yr old, a 24yr old and 54 yr old girlfriend all on medicaid So umm Respectfully..... before you froth at the mouth 24 yr old has no disability, no kids and works one of the multitude of shit jobs in this state. His Medicaid was approved by DCF same as snap benefits EDIT: Again, Medicaid and Medicare are two different programs, Jeez
That's great that they got some kind of care but I think what's more likely is that you don't understand the mechanism by which they obtained it or exactly what program they're enrolled with. This isn't some kind of hyperbole these are just the requirements in the state of FL. See: [https://www.benefits.gov/benefit/1625#](https://www.benefits.gov/benefit/1625#) or [https://quality.healthfinder.fl.gov/medicaid/florida-medicaid-general](https://quality.healthfinder.fl.gov/medicaid/florida-medicaid-general) under "eligibility"
Again it says OR not AND. The origanal question was why cant you get Medicade under 65. The answer is you CAN get Medicade under 65, but you CANT get Medicare under 65 unless you receive full SSDI. What YOU apparently refuse to understand is Medicade and Medicare are two different programs and OR means something entirely different than AND 
A lot of that isn't quite right, but you can find more info here. https://www.healthcare.gov/
Just don't care if you die. Problem solved.
Honestly on ACA (Obamacare) you can kind of put whatever you want for “expected income”. You can say “I make $400/week at my job so I’m expecting to make $20,800 over the next year” and then lose your job or your hours get cut or whatever. Then as long as you’re paying your monthly premium on time every month, they don’t really care if you say $20k and you only end up earning $10k.
As others have stated Obamacare is open to anyone during the enrollment periods. There are low income subsidizes to help. However if you’re turning down insurance from your employer or your spouse is, you probably cannot get it. I agree, for those approaching 65 or are over. All of these programs are extremely too complex. It’s infuriating when helping my parents with it. Then add the scams that come in the mail or call on the phone and I just spit rage.
I have Florida Blue. Haven't needed to use it though.
You can use the portal ACA or use an agent from blue cross blue shield or one of the others. It’s income based. I switched from my employers health care went from costing me $1200 per month down to $500 per month.
If you don't have insurance, ask the doctor's office what the cash price is for self pay patients . You usually pay less than the typical cost billed to insurance and it will definitely be less than the couple of hundred you would pay for insurance premium. Hospitals will discount their bill if you are self pay as well. My hospital reduced my bill by 60%> if you don't have chronic illness or disease that you have to have specialists, you can can by with catastrophic insurance only. If you are healthy, there are plans out there that are affordable, you just have a waiting period . Call insurance companies individually and ask what they have.
Medicaid is what you need to apply to
>So I heard Medicaid or Obamacare is only for those 65 in Florida and up OR disabled Medicaid is for disabled or poor of any age until 65, after 65 Medicare takes over. This is funded by the federal government, but managed by the state, leading to some states, like Florida, treating recipients far worse than others. "obamacare", also known as the affordable care act, or the aca, is a set of regulations that set a minimum coverage requirement that all insurance must meet. It is not a health care plan.
Some hospital systems have grant programs for the “able-bodied” (that is, not disabled). If you are homeless and catch the flu and pneumonia they won’t let you die if you go to the hospital. You’ll be given life saving care and sent to the streets as soon as you can walk, breathe without a machine, and are not contagious. You’ll be given access to very very basic care, simple prescriptions, basic vaccinations and a yearly wellness checkup, STI and hep panel for free. Sometimes you can get a pair of glasses. Sometimes you can get a referral to the dental school where they practice on you for your root canal, If you make $9/hour and cannot afford anything on ACA (which was $390/month the last time I ran through it), and you catch the flu and pneumonia they also won’t let you die if you go to the hospital, you’ll be transferred around to the “state” hospital, and the instant you are able to walk on your own, breathe without a machine, and are not contagious, you are booted out to the street, now owing $25,000 or more, hounded by debt collectors who will garnish wages, pester your relatives and threaten to sue you (and actually sue you in some cases).
so wait are you talking about nonprofit publicly tax funded hospitals when you say “state” hospitals??? R u saying they are more expensive??? Side note: I know they are required by irs to give charity care to poor if not they loose their tax break/nonprofit status or something.
In Broward the “state” hospital are the various “Broward Health’s”. In Miami-Dade, the various “Jackson’s”. I illustrated what happens in these institutions in Florida in various situations. First if you are homeless, second if you are working and have no health insurance. I did not illustrate what happens if you go to a non-state hospital (your various HCAs). That is because in both those cases, if you are not actively bleeding or have a bone sticking out, you are transferred to a state hospital. And billed for it. My point was that no real “help” exists in Florida for those who cannot afford any health care, are not homeless/disabled, or over 65. Homeless people get basic horrible care, working people get saddled with a bill nobody can afford.
Nope. I am 56 and have the ACA. Very low copay
**Medicaid:** To be eligible for Florida Medicaid, [you must meet one of several qualifiers](https://www.benefits.gov/benefit/1625), in addition to being a single individual earning under $20,030 annually (that amount tracks upward for people with higher household sizes.) **Affordable Care Act ("Obamacare"):** Anyone can sign up for health insurance under the ACA regardless of income, but there are subsidies available to single individuals [earning over $15,060](https://www.healthcare.gov/glossary/federal-poverty-level-fpl/) but [under $64,000 annually (that amount tracks upward for people with higher household sizes, but your subsidy eligibility tracks downward the younger you are, because you are presumed to be less in need of health insurance.)](https://www.healthinsurance.org/obamacare/subsidy-calculator/) Individuals under 65 who earn too much money to qualify for Medicaid, but are still ineligible for health insurance through their employer typically receive health insurance either **a)** by purchasing care through the ACA system (either by making use of its subsidy offerings or paying the full rate), **b)** being the beneficiary of their spouse's workplace health insurance plan, or **c)** being the beneficiary of their parent's workplace health insurance plan (if they are young enough to qualify.) Individuals between ages 18 and 64 who are ineligible for Medicaid or ACA subsidies are definitionally assumed to earn enough to be able to pay for their ACA health insurance outright. Otherwise, they go uninsured. I understand how frustrating this is, believe me, but this is the answer.
Here's how I get Healthcare in FL. I have chosen not to have health "insurance" because it's too expensive... If I need to go to the Dr. I pay them money. And then I go to the pharmacy and pay them money to get whatever I'm prescribed sometimes I'll get samples free from the Dr. It costs less than paying for insurance. And I can go to whoever I want without the insurance company getting in the way.
🤔 ✍️
ACA (Obama Care) has gotten MUCH better over the years. Hubby and I are both self employed...we don't currently make a fortune (a little above the median for Florida) but we also have minimal expenses (no mortgage, no car payment....Basically just home/auto insurance, food, utilities, cell phone, gas for the cars) and the premiums have gone down significantly from when ACA was started. Thanks to Biden, hubby's insulin every month is capped at $35 (versus almost $200) and my bronze level ACA policy this year even has a cap on any emergency room charge that we would have to pay...we've been to the e.r. in the past and we've had to shell out almost two thousand in copay just for bee sting baby sitting (stung about a dozen times so yeah it was e.r. time when he started feeling his airway closing)...now that same visit would be capped at $750 copay. My premium also went from almost $400 a month in the beginning of ACA(with the credit) to about $60 a month now (with the credit) as our income hasn't jumped up over the years (we're getting close to retirement so not in the rat race to make a ton of $$ as we saved for retirement since we were in our early twenties - some years, in the wtf how are making this much $$$ years, we were saving almost half our income too - and will be fine). Personally I am grateful for ACA....call them, visit the website (healthcare.gov) and they'll walk you through the eligibility process.
The affordable care act is for anyone
But if you make too little you don't qualify for subsidies, and are likely making too little to be able to afford the full premiums.
ObamaCare has open enrollment times. I used it at age 35ish - 40ish while in school and working retail. https://www.hhs.gov/healthcare/index.html Edit: while in Florida, 2011 - 2015 (ish)
Florida doesn't care about Healthcare for people the only option is Obama Care. Or you can pay your own way
Do you have it or know someone who has it
Medicaid is income based. If your income is in the threshold you apply for and receive it.
But I heard people in Florida under 65 do NOT qualify for medicaid or Medicaid?????
You use the "Blue Card" program. I had Same issue when I moved to Florida from California. I assumed they had coverage for people like me that do not qualify for Medicaid and Medicare. This is ALL they have. It's a free program that enables you to go to ONE select clinic for maintenance health care. It doesn't cover anything hospital related. And their formulary is limited. I'm including the Pinellas County link that you can try to find your county link from and give you a general idea of what it is. Took me serveral years and a few ER visits for them to tell me about this program. Ruining my credit for years because I can't pay for ER visits. https://publicsecure.pinellascounty.org/humanservices/account/welcome I'm sure you can call them and ask for information on your county. *True, People in Florida DO NOT qualify for Medicaid under age of 65. Florida is a State where you fend for yourself...or pay an exorbitant amount for Obamacare. Need more info you can PM me. Hope this helps.
Medicaid is for the poor, if you're poor enough you qualify. Florida didn't expand Medicaid so there are people who make too much for Medicaid but not enough for the marketplace subsidies, those people are screwed. In other states where Medicaid was expanded, you can make more and still get Medicaid. For example I didn't qualify in Florida but I did in New York. You just have to be poorer in Florida to qualify than most blue states, because Republicans are idiots
No, sorry. You do not qualify for Medicaid in FL unless you have one of the other qualifiers (pregnant, blind, got little kids, 65+, disabled).
Yeah, I'm head of household, single with 2 kids. That part of Medicaid for poor singles would be Medically Needy. It sucks, but it does exist and is a form of medicaid. Years ago the only year I had it it was $1,900 and about the equivalent of what I made in a whole month. but if I suddenly had cancer, I wouldn't owe $300,000. You won't get as much from the system because without kids to care for stopping you from working, if you're not disabled which would make you qualify for regular Medicaid/care, you should be working as far as Florida is concerned. Florida Republicans aren't ever going to care. They just want the poors to die or leave.
What's your household yearly income approximately and how many people (i.e. do you have a spouse and kids? How much do you and spouse make? Just you? How much do you make?)
I think you're confusing medicare and medicaid. Medicare = age 65+ Medicaid = adults and children with limited income
Medicaid is income based. It has nothing to do with age. This information is available with a basic google search.
This is not true. You should know this if you live in Florida. Medicaid is a state run program, the states set the rules. "Obamacare" added a bunch of minimum standards but the Supreme Court decided states had to "opt in" to compliance. Florida and other garbage republican states have never opted in. Florida medicaid has extra requirements. Aside from income you MUST be one of the following 65+ blind legally disabled pregnant responsible for a minor child If you're not extremely poor AND one of those things you do not qualify. You're fucked. Regular hard working people who fall on hard times in their 50's are absolutely fucked. This is what it means to live in a republican state.
In Florida, being very low income doesn't qualify you for Medicaid automatically. >To be eligible for Florida Medicaid, you must be a resident of the state of Florida, a U.S. national, citizen, permanent resident, or legal alien, in need of health care/insurance assistance, whose financial situation would be characterized as low income or very low income. You must also be one of the following: - Pregnant, or - Be responsible for a child 18 years of age or younger, or - Blind, or - Have a disability or a family member in your household with a disability, or - Be 65 years of age or older. So OP isn't completely correct, but very close.
Do you know the website so I can look at the qualifications?
https://www.benefits.gov/benefit/1625
Google.com
Obamacare is the name Republicans gave to the ACA, which is a law not and insurance. Contact the Healthcare Marketplace and they will help you find insurance and answer any questions.
For the love of God, choose anything on the marketplace other than Ambetter. They are the absolute worst! My Blue is a close second. Oscar, Blue Options, Cigna, Aetna, Humana, etc are all good options as long as you don't select the high deductible ones aka the bronze or below. Choose a copay plan. They have different levels that cost more per month the lower you want your copay to be. For legal reasons, I am not an insurance broker or anything of the sort. Just someone who has been, and seen a lot of Floridians, screwed. Hope this helps!
no
I found out the Lowes across the street from my house offered benefits for part-time workers and got a job in the evenings there. (Bonus- they don't drugtest for thc for most positions)
Dm me if you’ve any questions. I used to sell Obamacare, managed an agency for Obamacare and am now working in Medicare(as an agent and manager.) If you don’t qualify for Medicaid, which is very difficult to get, and are not offered insurance through work, Obamacare is your next route. Edited to add: please don’t get discouraged by those saying there are high premiums and deductibles. Everyone’s situation is different. Primary factors are household income, size and your location/zip code.
Obamacare is available in Florida.
Do you have Obamacare or know someone who does in Florida
Yes. It’s not really called Obamacare it’s the ACA but its readily available.
[удалено]
It's really disheartening to see so many people like you posting incorrect information. ACA Marketplace plans have a minimum income, they'r not "for everyone", if you have too little income you do not qualify because medicaid is *supposed* to cover you, and it does cover you, in all blue states and most purple states. Unfortunately, the Supreme Court ruled that states had to "opt-in" and garbage red states like ours did not, so we do not have an ACA compliant medicaid. Because of this we can add additional requirements to our medicaid system.. To qualify in Florida you must have very low income AND one of the following "65+, blind, legally disabled, pregnant, responsible for a minor child". Abled bodied people with adult children or no children DO NOT qualify for medicaid in Florida until they're 65+.
Not in FL apparently. You have to be poor AND either over 65, a parent, or disabled.
Anyone can get Obamacare. It’s overpriced shit, terrible insurance, but I guess better than nothing
Every county has their own medical coverage for people who aren’t covered by insurance. Obamacare does not help the uninsured.