This is how Obamacare health insurance works in Florida, California, and Texas

July 31, 2023 Health & Life Insurance

If you are new in the United States, we tell you everything you need to know about Obamacare health insurance and how it works in some states.

Accessing health insurance with Obamacare is a great advantage that benefits those previously uninsured or in plans with very high monthly payments and limited benefits. Health is a fundamental human right, and access to affordable health care is a priority for Americans.


What is Obamacare, and how does it work? 

Obamacare is a colloquial term used to describe the Affordable Care Act (ACA). It was implemented to support people obtaining health insurance at a low cost.

This program works through a subsidy granted by the State, which means that any citizen, permanent resident, or with a social security number must apply for this aid.

The Affordable Care Act establishes an open enrollment period known as Obamacare Open Enrollment. This period begins on November 1 and ends on December 15. If you do not have health insurance through your employer, Medicare or Medicaid, you can obtain your insurance through the Insurance Marketplace.

Health insurance with Obamacare, by law, will allow you to have coverage in the following health services:

  • Hospitalization
  • Emergencies
  • Rehabilitation services
  • Outpatient services
  • Maternity and newborn care
  • Prescription medicines
  • Laboratory services
  • Prevention and wellness services
  • Pediatric services
  • Treatment for dental diseases


In case of a health eventuality in which you must receive medical attention, having Obamacare health insurance will help you cover medical expenses and avoid incurring debts with the state or problems with the IRS.

You must be clear about the conditions of your health insurance from the beginning. The most important thing is to know what the deductible of your health insurance is or if you have a zero deductible.


Impact of Obamacare in the States of Florida, California, and Texas

The implementation of Obamacare health insurance has had a positive and differentiated impact in the states of Florida, California, and Texas, since it has improved medical care in many aspects, in addition to guaranteeing equitable medical coverage and care throughout the country.

This is how Obamacare works for immigrants in immigration proceedings: immigrants who presented their case to the authorities and received an I-797 document are eligible for zero-dollar Obamacare insurance. To access the health market, you must have legal immigration status in the United States. Immigrants legally present in the US can enroll in an ACA-qualified health plan and are eligible for tax credits and reduced copays.


Obamacare health insurance in Florida

The Obamacare- health insurance program has made accessing health insurance easier for Florida residents. This is how Florida leads Obamacare enrollment, with more than 3.1 million people with subsidized coverage since applications began for 2023.

One of the main ways that Obamacare has improved health care in Florida is through the expansion of Medicaid (US government health insurance that helps many low-income people in the country pay their medical bills). On the other hand, many residents in Florida have access to affordable health insurance thanks to the subsidies and tax credits available through the Health Insurance Marketplace.


How to apply for Obamacare health insurance in Florida?

Obamacare is a medical insurance that presents several coverage options in any State. In the case of Obamacare in Florida, the situation is quite favorable. If your income qualifies, you can obtain a health insurance plan with zero deductible and low-priced copayments.

Bearing this in mind, the requirements that you must meet to be part of the program are:

  • Have legal immigration status in the United States.
  • Comply with the application dates for the Obamacare program.
  • Certify your economic income. Your income and that of your family must be within the federal poverty range, which ranges from 100% to 400%.
  • Not being covered by health insurance through your employer.

If you’re a Florida resident and don’t have health insurance, Obamacare health insurance could have the right coverage for you and your loved ones. All Obamacare plans, or ACA, must cover ten essential benefits, including emergency services, maternity care, and prescription drugs.


Obamacare health insurance in California

In California, all US citizens and permanent residents are required by law to have health coverage that meets the minimum requirements. The IRS (Internal Revenue Service) provides US taxpayers with help to understand and comply with their tax responsibilities under the tax law. Unless you qualify for an exemption, you could be penalized if you don’t have health coverage for more than two months.


How to apply for Obamacare health insurance in California?

To qualify for Obamacare health insurance plans in California, you must meet the following requirements:

  • Family income between 138% and 400% of the FPL (Federal Poverty Level).
  • Not qualify for Medical, Medicare, or military health coverage.
  • Not having access to affordable health coverage through your employer.
  • Comply with the tax return for the benefit year.

In California, minimum coverage plans cover some benefits before the deductible is met. You generally won’t have to pay copays or coinsurance for the following benefits (even if you haven’t met your deductible yet):

  • Three visits to the doctor.
  • Urgent care visits.
  • Outpatient mental health or substance abuse care.
  • Free preventive benefits.

In this state, people enrolled in a minimum coverage plan pay a negotiated in-network cost for health care services. Once your out-of-pocket expenses meet the deductible (money you must pay to resolve any of the incidents covered by the contract with your insurer), the plan pays 100% of covered health care benefits.

In short, Obamacare in California has achieved significant results, plus substantial improvements in healthcare access and coverage for state residents.


Obamacare health insurance in Texas

The operation of Obamacare health insurance in Texas is based on several fundamental principles. First, insurance companies in the state must accept any applicant, regardless of medical history or pre-existing condition to ensure that no one is excluded from medical coverage due to their health condition.

In addition, Obamacare establishes an annual enrollment period during which Texans can apply for health insurance through the Marketplace. During this period, people can shop the plans available and select the one that best suits their needs. After enrollment, you can only apply for coverage if certain qualifying life events such as marriage, birth of a child, or loss of prior coverage occur.

For those Texans who can’t afford health insurance, Obamacare offers subsidies and financial assistance. These subsidies are based on income level and cover part or all of the cost of your health insurance premium,  ensuring access to quality health coverage for low-income Texans.

How to apply for Obamacare health insurance in Texas?

Some Americans who need health insurance can use state health exchanges. The application can be made through the Federal Health Insurance Marketplace for states like Texas that have yet to establish such a system.

Also, some Texans may qualify for help paying for health insurance. There are a couple of different types of subsidies you might qualify for in Texas: premium tax credits and pocket savings subsidies.

These are the requirements that you must meet to apply to the Obamacare health insurance program in Texas:

Have citizenship or legal residence in the United States, or have immigrant status lawfully in the country.

  • You must live in Texas to be eligible for plans available in that state.
  • Not eligible for Medicaid. Obamacare is designed to help people not eligible for the Medicaid program, which provides health care coverage to low-income individuals and families.
  • Not having access to health insurance coverage through your employer.
  • Have a family income between 100% and 400% of the FPL (Federal Poverty Level)


In summary, 

OBAMACARE has made health insurance more affordable for many people. In addition, it offers the possibility of having health insurance and access to prescription drugs at a lower cost and provides the opportunity of covering more detection procedures. This refers to the procedures that identify the disease promptly and effectively, facilitating its diagnosis in early stages, timely treatment, reducing its duration and the damage it causes, and avoiding sequelae, disability, and death.

It is essential to have advice from insurance advisors with expertise in the insurance market, certified as an insurance agency so that they can accompany you and advise you throughout the process from start to finish depending on the state in which you are and the specific coverage needs for you, and your family.