Health Insurance

throughout Florida

Health Insurance - Seguros de Salud 


Can you still apply for health insurance in Florida? Yes, it is possible to still apply for coverage. Keep reading.


The Patient Protection Affordable Care Act" known as ACA/or Obamacare 2021 enrollment will begin  Nov. 1st and will end on Dec. 15th. The policies selected during the enrollment period will become effective on January 1st, 2021. 

What is so important about ACA plans? 

#1  ACA plans cover pre-existing conditions.

#2 That they have 10 essential health benefits:

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

  • Emergency services 

  • Hospitalization (like surgery and overnight stays)

  • Pregnancy, maternity, and newborn care (both before and after birth)

  • 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

  • Preventive and wellness services and chronic disease management

  • Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)

#3 You may be able to qualify for financial assistance based on your income, and this will help you lower your monthly payments, and also get a plan with lower out of pocket costs.

* By the way, if you've LOST your coverage through your employer, have had a change in immigration status, have moved from a different state, or county just got married or divorced...etc. You may apply for an ACA/Obama care plan outside of the enrollment period, however, you will only 60 days to enroll. (These life circumstances are considered a qualifying event) You may also be able to get financial assistance. Call and find out about your options!

Note: If you miss the ObamaCare enrollment period, you are healthy, and just want emergency & hospital coverage, then there are other options: These are called Short Term Plans.

You can apply year-round, but you must qualify by answering a medical questionnaire.  These are known as Non-ACA plans.

Note: Short Term Plans, TriTerm Medical plans are NON-ACA compliant. ACA and Short Term plans have different regulations.


Learn the differences between the ACA plans VS NON-ACA plans -  The wording is similar, but the regulations are different.  

Something to remember:

For the Florida residents that decide not to apply for health insurance, during the enrollment period, it is important to understand that once the enrollment period ends you will not be able to get the type of insurance that covers pre-existing conditions at a later time unless you have a "Special Enrollment/Change of Life Circumstance". The policies that cover pre-existing conditions are the "The Patient Protection and Affordable Care Act Law", also known as ACA and/or ObamaCare.

If you are a  resident in the state of Florida and need assistance with your health insurance coverage, give me a call and I will help and guide you through the process with integrity, simplicity, and friendliness.

Give me a call and I will gladly assist you to find solutions that are the right fit for your specific situation. The consultation is free!


Maria Defillo

Licensed Florida Agent

since 1998.

Office (305) 595-2954


Miami Health Insurance

Hello my name is Maria Defillo

I have been assisting individuals and families to find insurance solutions since 1998.

I look forward to the opportunity

to be of service. 

Call! Office (305) 595-2954

obamacare miami
critical illness insurance miami
Instagram Icon.png
Sarasota Health Insurance