When you use the Health Insurance Marketplace, you will complete an online application and see all the health plans available in your area. You will provide information about your household size and income to find out if you qualify for lower costs on your monthly premiums for private insurance plans and lower out-of-pocket costs.

The Marketplace will tell you if your family qualifies for free or low-cost coverage available through Medicaid or the Children's Health Insurance Program (CHIP). 

All private health insurance plans offered in the Marketplace will offer the same set of essential health benefits. These are the services all plans must cover. 

The essential health benefits include at least the following items and services:

• Ambulatory patient services (outpatient care you get without being admitted to a hospital)

• Emergency services

• Hospitalization (such as surgery)

• Maternity and newborn care (care before and after your baby is born)

• Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)

• Prescription drugs

• Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)

• Laboratory services

• Preventative and wellness services and chronic disease management

• Pediatric services

You can visit www.healthcare.gov or contact our Navigators for more information.

Most people will be eligible for health coverage through the federal Health Insurance Marketplace.

To be eligible for health coverage through the Marketplace, you:

• must live in the United States 
• must be a U.S. citizen or national (or be lawfully present) 
• can't be currently incarcerated

U.S. citizens living in a foreign country are not required to get health insurance coverage under the Affordable Care Act. If you're uninsured and living abroad, you don't have to pay the fee that other uninsured U.S. citizens may have to pay.

Generally, health insurance coverage in the Marketplace covers health care provided by doctors, hospitals, and medical services within the United States. If you're living abroad, it's important to know this before you consider buying Marketplace insurance.

• Health Council of Southeast Florida (HCSEF) is a private, not-for-profit corporation focused on providing coordinated health planning designed to enhance the provision of accessible, affordable and high quality health care services. HCSEF’s mission is to improve access to health care, reduce disparities in health status and advocate on behalf of vulnerable and underserved populations.
• The Family Healthcare Foundation (TFHF) was established in 1998 to organize efforts throughout Tampa Bay to provide community education, application assistance, and enroll children in Medicaid & CHIP. TFHF has been able to bring together all the major partners responsible for helping families enroll in insurance plans and the community organizations that represent the families that they serve, to create a coalition of community partners consisting of local service agencies, city government, hospitals, organizations that serve specific ethnic, gender or racial populations, media partners, parents, and local elected officials.
• Primary Care Access Network (PCAN) is a non-profit healthcare collaborative located in Central Florida. PCAN is comprised of 21 public, private, faith-based and government agencies whose mission is to make access to healthcare services available to the uninsured and underinsured.
• The Health Planning Council of Southwest Florida (HPCSWF) is a private, non-profit health council. HPCSWF works to increase the availability & accessibility of data regarding health needs & services by creating strong partnerships with local health departments, community members & non-profit agencies.
• Suwanee River Area Health Education Center (SRAHEC) is a private, not-for-profit entity located in Alachua, serving 15 FL counties, whose mission is to forge partnerships in planning, research and service that build healthier communities. WellFlorida Council partners with governmental agencies, community organizations, healthcare facilities and other non-profits to accomplish its mission.
• United Way of Brevard (UWB) has a strong reputation for establishing and maintaining community partnerships that facilitate efforts to provide access to qualified health plans for the uninsured. United Way of Brevard has proven success in assisting individuals with access to health insurance coverage.
• Health Planning Council of Northeast Florida (HPCNEF) is a non-profit local health council, covering 7 FL counties. HPCNEF has been developing, leading, and evaluating collaborative health and insurance related initiatives for over 30 years under a variety of federal, state, and local grants.
• Northwest Florida Comprehensive Services for Children, Inc. d.b.a 90Works is a non-profit organization made up of social workers, nurses and other professionals. 90Works provides innovative family services to high risk populations to end homelessness, poverty and family violence.
• Broward Regional Health Planning Council (BRHPC) is a non-profit organization that delivers health and human service innovation for the insured and administers enrollment and eligibility programs to uninsured and underinsured low-income Broward County residents in the areas of maternal and child health, substance abuse and mental health, HIV/AIDS, forensic reintegration, and housing assistance.
• Health Council of South Florida (HCSF) is a non-profit agency engaged in forecasting health care needs and access to health care delivery systems; providing data analysis and insight; increasing public awareness; and providing consultation and assistance to Miami-Dade and Monroe County officials in the development and implementation of health care policy.
• Florida Keys Area Health Education Center Inc. (FKAHEC) was established as a non-profit corporation in 1990, serving all of Monroe County. The FKAHEC currently exists as part of the Florida AHEC Network consisting of ten centers and five medical schools around the State of Florida. The FKAHEC program has supported and coordinated a vital statewide system of safety net providers. 

COVERING FLORIDA CONSORTIUM
Geographic Service Area	Consortium Partner	Consumer Contact Information
Hillsborough, Pinellas, Pasco, Polk	The Family Healthcare Foundation	http://www.Familyhealthcarefdn.org (813) 995-1066
Orange, Osceola, Seminole, Lake	Primary Care Access Network, Inc.	http://www.CoveringCFL.net (877) 564-5031
Charlotte, Collier, Lee, DeSoto, Glades, Hendry, Sarasota, Highlands, Hardee, Manatee	The Health Planning Council of Southwest Florida, Inc.	https://www.hpcswf.com/enroll-southwest-florida/ (866) 547-2793
Alachua, Bradford, Citrus, Columbia, Dixie, Gilchrist, Hamilton, Hernando, Lafayette, Levy, Marion, Putnam, Sumter, Suwannee, Union	Suwannee River Area Health Education Center (SRAHEC)	http://www.srahec.org 352-299-0380
Brevard	United Way of Brevard	http://www.uwbrevard.org (321) 635-8885
Statewide Administrator	University of South Florida - College of Public Health	http://www.coveringflorida.org (877) 813-9115
Baker, Clay, Duval, Flagler, Nassau, St. Johns, Volusia	Health Planning Council of Northeast Florida, Inc.	http://www.hpcnef.org (866) 295-5955 ext. 180
Bay, Calhoun, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Liberty, Leon, Madison, Okaloosa, Santa Rosa, Taylor, Wakulla, Walton, Washington	Big Bend Area Health Education Center	https://bigbendahec.org/programs/navigators/ (850) 224-1177
Broward, Indian River, Martin, Miami-Dade, Monroe, Okeechobee, Palm Beach, St. Lucie	Epilepsy Alliance Florida	https://healthcarenavigationfl.com/ (877) 553-7453

FL-CKF/Covering Florida has taken steps to ensure that we do not exclude, deny benefits to, or otherwise discriminate against any person on the basis of race, color, national origin, disability, sex, or age in admission to, participation in, or receipt of the services and benefits under any of its programs and activities, whether carried out by FL-CKF/Covering Florida directly or through a partner agency or any other entity with which CMS arranges to carry out its programs and activities.

We've taken appropriate steps to make sure that people with disabilities have an equal opportunity to participate in our services, activities, programs, and other benefits. People with disabilities include those who are deaf, hard of hearing, blind, or who have low vision or other sensory limitations.   

CMS offers free auxiliary aids and services to help us better communicate with people with disabilities 

• Relay service – TTY: 1-877-486-2048.
• Accessible formats 
  
  • Get the "Medicare & You" handbook in large print, Braille, audio, CD, or as an eBook.
  • Request another auxiliary aid or service:
    • For Medicare publications, call us at 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
    • For Covering Florida publications, you can: 
      1. Call 1-877-813-9115
      2. Send an email to info@coveringflorida.org
      3. Send a letter to: 
         FL-CKF/Covering Florida
         Lawton and Rhea Chiles Center for Healthy Mothers and Babies 
         3111 E. Fletcher Avenue MDC100
         Tampa, FL 33613