Important information about 2022 ACA Health Insurance Open Enrollment

As 2022 ACA Open Enrollment begins for 2022 health insurance, there are several important and critical things to know and to use. So please read through this article to help you navigate and succeed with your health care coverage. And then you can enjoy a more successful 2022!

Can I apply for a subsidy?

This assistance generally only extends to families with incomes up to 400% of Federal  Poverty Level, but this cap was raised for 2022. People with 400% of Federal Poverty Level income or more are eligible for ACA health insurance assistance if a referral plan costs more than 9% of the household income.

What information do I need to provide for a 2022 ACA health insurance plan?

You should have the following information on hand for each person to be enrolled in ACA health insurance:

  1. Name, email, address, social security number, date of birth and proof of legal residence status.
  2. Family size and income (to apply for subsidized premium or sharing reductions). A variety of documents can be used to test your income, including pay stubs, W2 forms, most recent tax return, etc.
  3. Coverage and premium details for any employer-sponsored plan that is available to your family (regardless of whether you are enrolled in that plan or declining).
  4. Payment information that the insurer may use to collect your premiums.
  5. A list of medications that person is taking and any preexisting conditions. Each insurance policy has its own formula (Covered List of Drugs) so you’ll want to see which of the drugs you need most the plan covers.
When will my 2022 ACA compliant health insurance plan go into effect?

The Open Enrollment Period for having national health insurance coverage in 2022 begins on November 1st.

However, registration must be completed by December 15th so that the plan will take effect on January 1, 2022. Enrollments completed after this period will not be effective until February 1st or later.

If you’re currently uninsured and are waiting for a health insurance plan to take effect, a short-term medical plan can help you fill a gap if you’re reasonably healthy. This can give you some peace of mind in the event of a sudden emergency before your new coverage takes effect.

Is there a penalty for not having 2022 health insurance?

There is no penalty from the federal government to not have insurance by 2022, but you still need coverage!  The risk you take in not having insurance is simply not worth it.  That’s why the leading reason people end up bankrupt is associated with medical bills.

Can I renew the current ACA’s health insurance plan for 2022?

If you’re already enrolled in the ACA for your health care options through Healthcare.Gov, you can auto-renew that plan for 2022. However, in most cases we do not recommend this.  You may make a serious mistake by just renewing your plan. Your existing plan may have changed, the network may have evolved, or you could be paying much more than you ought to pay.

Can I see 2022 health insurance plans and prices?

Yes! For rates and policy options, this information is available for you in person or over the phone. You can make an appointment with a health insurance agent who will help you choose the best options available and find out which one is best for you.

Our agents continue to assist our clients by providing advice, answering their questions related to billing, usage, complaints and appeals.

What carriers are providing coverage in 2022.  

While this varies from county to county in Florida carriers include:  Aetna (NEW), Ambetter, AvMED, Bright Health, Cigna, First Health, Florida Blue (EPO & HMO) networks, Molina, Oscar, and United Healthcare (NEW).  Therefore it is wise to schedule an appointment today and let us help make this process a lot easier for you.​

Why should you shop for health insurance with Florida Health Agency?

When you shop for coverage at Florida Health Agency during the 2021 open enrollment period, you’ll get:

Subsidies:

In Florida, we can help you apply for government subsidies that can significantly lower your monthly premiums. You’ll get the same subsidies you would qualify for through a government website, with a superior customer experience. Subsidies are only available for qualified applicants, primarily based on income.

Service:

Our website makes shopping for coverage simple, and we have licensed agents available to provide you with free personal help and advice when you need it, at no extra cost to you. At Florida Health Agency we’ve been selling health insurance since 2008 and we’re rated A+ with the Better Business Bureau and we have earned over 200 5-star Google reviews from our satisfied and happy customers.

Selection:

Florida Health Agency offers a huge selection of quality health insurance plans from insurance companies in Florida both on and off the exchange.  We also provide health programs that avoid tax penalties but are outside of the insurance arena.

Why shop anywhere else? Subsidies. Service. Selection. Local knowledge.  Florida Health Agency makes Obamacare easy.

 

We know. We care. YOU decide!

We would like to help you.

Speak to us about your Health Insurance requirements.

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

Florida Health Agency is a licensed health insurance agency certified to sell Medicare products.
Medicare has neither reviewed nor endorsed this information.

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Lighthouse Point, FL  33064

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Eli P.
Eli P.
22:05 01 Dec 21
wilmacsmith
wilmacsmith
17:04 29 Nov 21
Rozi T.
Rozi T.
23:10 24 Nov 21
Fui atendida na Flórida Health Agency pela Gio Sartor, que atendimento incrível, super professional, extremamente competente, atenciosa, e ao mesmo tempo carinhosa!! Sai de lá tão feliz e satisfeita, super indico!
candi G.
candi G.
23:25 23 Nov 21
Gracias por la ayuda brindada para poder coger nuestra cobertura medica que mas se adapte a nuestra nesecidades a sido muy amable en responder todas nuestra dudas muchas gracias
MCristina A.
MCristina A.
20:17 22 Nov 21
Metro C.
Metro C.
22:48 20 Nov 21
Muito Bom è ecelente estou satisfeita com o atendemento da Gil
Sandra N.
Sandra N.
00:25 20 Nov 21
Katarina K.
Katarina K.
02:09 18 Nov 21
My family’s situation with insurance is complicated and before calling Florida Health Agency I had already lost hope of finding a plan for our case but after one long call, Priscilla Ribeiro found the best insurance coverage satisfying everything my family needs. The best service I’ve ever received. Very understanding, professional and helpful. Thank you!
Rosie M.
Rosie M.
18:59 13 Nov 21
Gio Sartor,she's the best ♡♡♡
Adriana S.
Adriana S.
19:15 11 Nov 21
armen G.
armen G.
15:39 11 Nov 21
Gio was very helpful and attentive. She made the process much less painless.
Stacy S.
Stacy S.
19:20 10 Nov 21
Working with Bill Kohn made this process so much easier for me. He was extremely professional and kind when I had a million questions. I would recommend him for sure!
Hodge A.
Hodge A.
16:52 09 Nov 21
Explain things well very helpful and makes the process smooth I like working with William kohn and gio sartor very helpful . Gio sartor goes out the way to make sure you are covered and everything is in order .she's really good at what she does very outgoing person and great personality.
Eduarda M.
Eduarda M.
00:12 09 Nov 21
Mark C.
Mark C.
22:45 07 Nov 21
Fantastic, top notch experience working with William Kohn. He has comprehensive knowledge of the medical insurance industry and the innumerable plans available. Could not have found the optimum plan for my family without him.
Cynara S.
Cynara S.
15:57 07 Nov 21
Eu recomendo demais o Florida Health Agency, especialmente minha agente Gio Sartor, uma mulher maravilhosa, super atenciosa, super ágil com relação a responder todas as minhas perguntas pessoalmente e via Whatsapp, e olhe que eu tive muitassssss perguntas. A Gio Sartor me ajudou a escolher o plano perfeito para mim (planos de saúde, visão e odontológico). Ela é muito paciente e respondeu com clareza todas as minhas perguntas, ficou comigo umas duas horas escolhendo e respondendo minhas perguntas no escritório dela. Dias depois que escolhi meus planos com a ajuda dela, ela ainda ficou me esclarendo via whatsapp e telefone mais algumas dúvidas que tive durante mais alguns dias. Eu não poderia ficar mais feliz com a escolha que fiz de fechar meus planos com essa agência. Recomendo demais! Cynara (Novembro 2021).
Erika B.
Erika B.
22:18 03 Nov 21
I would like to say that Gio Sartor is a amazing agent. She is always ready to respond to us and provide any necessary support.
josie M.
josie M.
16:56 03 Nov 21
Gostaria muito de atendimento ótima atendente
George M.
George M.
21:11 02 Nov 21
To whom it may concern -Bill Kohn is the upmost professional and has been instrumental in landing the perfect health insurance for my well being. He’s been methodical and articulate in explaining all options leaving no stone unturned. It’s been such a great pleasure to work with Bill and knowing I can always count on him to navigate any questions I may have with current and future plan coverage. Bill is truly the best in the health insurance business!! Sincerely George Malave
tulio O.
tulio O.
17:23 02 Nov 21
Geruza S.
Geruza S.
01:14 02 Nov 21
Sfalsin T.
Sfalsin T.
00:21 02 Nov 21
Susan C.
Susan C.
20:08 30 Oct 21
Viviane S.
Viviane S.
00:06 30 Oct 21
A Gio foi espetacular em me ajudar a encontrar o melhor plano para mim. Sempre muito atenciosa e profissional. Encontrar um plano de saúde correto pra você pode ser muito complicado e demorado, e a Gio fez questão de saber se eu estava entendendo tudo e se estava dentro do que eu estava procurando. E quando o processo terminou, ela fez questão de verificar se estava tudo correto e a aplicação finalizou. Profissional super competente.🙌🙌🙌
Megan P.
Megan P.
21:44 29 Oct 21
Diane R.
Diane R.
19:13 28 Oct 21
I was so nervous about selecting my first Medicare and drug plan. The staff at Florida Health Agency was very helpful, but William was amazingly patient, knowledgeable,and kind. I've sent friends and relatives to him as well.
Angie C.
Angie C.
18:10 25 Oct 21
Absolutely amazing office. They really know what they are doing!! William is a master!! Highly recommended!!!
Claudia M.
Claudia M.
01:20 16 Oct 21
Loved to deal with Gio. She understood my needs and got me the plan that best suited me and my husband. She is attentive and caring. Thank you Gio for the great service!
Bill P.
Bill P.
20:56 15 Oct 21
WTH is the Right insurance?Its SO confusing!!I don't have the expertise or the time to thoroughly and accurately evaluate all the companies to figure out which is best for me.Thank God a good friend told me about Florida Health Agency and William Kohn!Not only do they continue to find the Best Medicare plan for me (reviewed every year), but they even helped out my wife who is not yet eligible for Medicare, is Brazilian and they even have other agents that speak Portuguese to make her communication crystal clear.I don't know what I'd do without their help!! I sleep well at night, now!!!
Hector Q.
Hector Q.
17:42 15 Oct 21
Priscilla Ribeiro is super professional and very educated regarding health Insurance coverage. We are 100% satisfied with her service and help through out our health insurance application.
Rama S.
Rama S.
12:09 13 Oct 21
I have had Mr. Khon for the past 5 years or so. Takes care of my healthcare automatically. I never had any problems with him or his staff. A super good person who renders professional care.
Irani G.
Irani G.
16:07 04 Oct 21
Rachel A.
Rachel A.
18:14 28 Sep 21
Holly J.
Holly J.
18:30 20 Sep 21
Priscilla was amazing and so helpful! I was lost on how to obtain insurance and she knew exactly what I needed. Highly recommend!
Aimee F.
Aimee F.
21:25 15 Sep 21
Called in desperate need of assistance and direction. Priscila and Bill took our call and spent hours with us everyday thereafter working hard to make sure we were in the loop and up to date. This is our insurance place hands down from here on out!
Daniel D
Daniel D
17:40 02 Sep 21
Very helpful. Very Couteous. Very knowledgeable. Excellent Commicator.Timely. Most of all felt like he was serving me like he would like to be served. Thank you William.
Scott H.
Scott H.
15:16 31 Aug 21
Jack L.
Jack L.
23:02 27 Aug 21
Katie S.
Katie S.
18:29 24 Aug 21
Priscilla was wonderful in helping my husband get a health care plan. She made sure that we were happy and taken care of!
Heidi S.
Heidi S.
13:15 18 Aug 21
Brianna M.
Brianna M.
21:28 17 Aug 21
Elza T.
Elza T.
23:46 16 Aug 21
Desde o primeiro dia que falei com a Senhora Gio, me senti confortável e confiante de estar sendo atendida por uma excelente profissional!Muito obrigado Senhora Gio por ajudar-me a conseguir o plano que se adaptava às minhas condições financeiras!!⭐️⭐️⭐️⭐️⭐️
Cristina G.
Cristina G.
21:17 14 Aug 21
Gio is an excellent health insurance agent, answers your questions quickly and with great knowledge of what she does, I recommend her! Thanks Gio!
Cristiane S.
Cristiane S.
21:59 13 Aug 21
Priscilla is an excellent professional !!! 🙂
isabela F.
isabela F.
21:49 12 Aug 21
Priscila was very professional and knowledgeable! She helped me choose the perfect insurance plan for my family!
Martha P.
Martha P.
19:11 12 Aug 21
I love everything about FHA. Excellent customer service and availability. Gio is very enthusiastic and energetic and most importantly, she takes interest in what is best for my family.
Érica Souza de O.
Érica Souza de O.
03:12 12 Aug 21
Encantada com o atendimento da Gio, uma pessoa extremamente disposta a ajudar, profissional, pró ativa e muito atenciosa. Ela está de parabéns 👏🏻
David P.
David P.
20:36 11 Aug 21
My agent Bill has been excellent. Always knowledgeable, responsive and really knows how to find the best plans for the situation and budget.
Cyd G.
Cyd G.
19:52 11 Aug 21
Excelente atendimento, fui atendido pela agente Priscilla, sempre solícita em esclarendo todas minhas dúvidas!
Haysa R.
Haysa R.
20:22 10 Aug 21
A Priscila é uma profissional muito séria, super competente e que nós atende com muita excelência.
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