Health Insurance 

Seguros de Salud 

Yes, you can Get INSTANT Health Insurance  QUOTES for 2020 right now. Click on the link.  


" The Patient Protection Affordable Care Act" known as ACA/Obamacare will be available for 2020. 

The ACA enrollment period begins Nov. 1st and will end on Dec.15th. Call me, I can help!

You can apply for an ACA plan during the rest of the year if you have a life-changing event (Marriage, Divorce, loss of coverage via work, the birth of a child, moved from another state, or have a change in your

immigration status...etc.)



Or you have the option to apply for Short-Term health insurance at any time of the year, but you must qualify by answering a medical questionnaire.  



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



ACA plans VS NON-ACA plans - keep reading. 


A brief summary:


Obamacare is simply a nickname for the Patient Protection and Affordable Care Act of 2010 (commonly shortened to the Affordable Care Act or ACA), health care reform legislation which was passed under President Obama.


Obamacare in 2020:  With President Trump in office and making changes that impact the Affordable Care Act, is this still the law? Is the ACA still nicknamed Obamacare, or do we now have Trumpcare? Yes, it is still called ObamaCare, not Trumpcare. There is no formal law associated with Trumpcare, however, it generally applies to the Trump administration’s moves to dismantle the ACA.  



For people that choose not to apply for health insurance, during the enrollment period, it is important to know that once the enrollment period ends you will not be able to get the 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.


FYI:   If you do not have a pre-existing condition, a Short Term Plan or Tri-Term Medical could be a good solution. If you qualify (these are medically underwritten), you could have the coverage active within 24 to 72  hours after submitting the application. Again, it is important to know that Short Term Plans are NOT-ACA plans.  



Health Insurance Language


Copay For some healthcare services you’ll pay a flat fee, usually at the time you receive the care. 


Deductible The dollar amount that you must pay each year before the insurance begins to pay for certain health care services. You pay the plan deductible first, then copay and/or coinsurance (%) if it applies. 


Out-of-Pocket Maximum also seen as MOOP: This is the most you pay for covered health care services during your plan’s calendar year. All of your covered expenses go toward this maximum. Once you reach the maximum, your plan pays 100% for covered services. 


HMO: Usually requires referrals / In-network only

PPO: Does not require referrals / has in and out of network coverage. 

There are hybrids to this such known as EPO's POS.


These are some of the basics, and of course, there is more to choosing a plan that will fit your individual lifestyle, so the best thing to do when is to have some guidance.  I will help you decipher this, so call today!


If you are a Florida resident and you are interested in applying for a Short Term Medical plan give me a call or send me a message and I will gladly provide you with the information, quotes and help you apply.


Maria Defillo

Licensed Florida Agent

since 1998.

Office (305) 595-2954


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Regardless of what part of Florida you live in, I can help. Go ahead and click below to see the 2020 Health Options and prices. If you need help feel free to call me.

Si su idioma es español, no importa en que parte de la Florida viva, yo le puedo asistir. Pongase en contacto, llame hoy!