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Resources and Information for Patients in Florida

Ways to Get Health Insurance After a Job Loss

COVID-19 has had a major impact on the world. While the moments we experience may be difficult and out of the ordinary routine, we are all in this together. For those who are concerned about health insurance, know that there are options to obtain  health insurance during the crisis. Here are some options available to Floridians.

  • COBRA: Per the Consolidated Omnibus Budget Reconciliation Act of 1985, Americans can keep employer based health insurance for up to 18 months following separation. These premiums are generally higher in cost than regular health insurance.
  • Affordable Care Act: If you or a family member have lost your health insurance as a result of a COVID-19 job loss you are eligible for a special enrollment period under the Affordable Care Act. The enrollment must take place within 60 days of the date of the loss. There are federal subsidies available to offset the cost of premiums based on income levels. Visit www.healthcare.gov to apply for health insurance.
  • Medicaid: Medicaid is available for adults and children who meet the income requirements. For a one person household, the annual income limit is $12, 490. For a four person household the annual income limit is $25,750. https://www.myflorida.com/accessflorida
  • Florida KidCare: Children in families that do not meet Medicaid eligibility requirements can obtain coverage through Florida KidCare. https://www.floridakidcare.org. Premiums can be as low as $20 per month for medical and dental. Full pay coverage is $230 per child with dental and $215 without dental insurance.

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