Exchange-based plans are plans offered to individuals and families as a result of the affordable care act (ACA). These plans are also known as “on-exchange”, “marketplace”, or “healthcare.gov” plans. Exchange-based plans are often eligible for income-based enhanced benefits or federal premium subsidies through the exchange (healthcare.gov).

Off-Exchange only plans also are a part of the affordable care act (ACA), but are only offered off-exchange (not available on healthcare.gov), and are therefore not eligible for federal premium subsidies or enhanced benefits. However, these plans offer unique premium and benefit structures catering to the off-exchange consumer.

You can visit healthcare.gov, or utilize one of the contacts listed under FAQ Question #15.

The plan year is the year in which you need insurance coverage.

See explanation here.

A HMO is a health insurance plan that limits coverage to only the providers within their network.HMOs generally do not cover out-of-network services except in an emergency.You will receive most of your health care from a primary care physician that you have selected, and services from specialists will often require a referral from your primary care physician. HMOs may also require you live or work within a service area to be eligible for coverage. This type of health insurance plan often provides integrated care and focuses on prevention and wellness.

A PPO is a health insurance plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers.You pay less if you use providers that belong to the plan’s network. You can use doctors, hospitals, and providers outside of the network for an additional cost such as higher deductibles, co-payments and co-insurance as well as being subject to balance billing by the provider.

An EPO is a health insurance plan where services are covered only if you go to doctors, specialists, or hospitals in the plan’s network except in an emergency. Like HMOs, services outside of the network will not be covered. The EPO is part of a PPO in which you select a provider to serve as your primary care physician, who serves as a gatekeeper in approving the maximum level of benefits you are entitled to.

A POS plan is a HMO plan that includes an out of network rider attached to the contract. You can choose, at the time of service, to seek services in or out of network. You will be subject to a higher deductible and higher co-insurance amounts if you use doctors, hospitals, and other health care providers that do not belong to the plan’s network.

Tobacco use means the use of tobacco on average four or more times per week within no longer than the past six months. This includes all tobacco products, except that tobacco use does not include religious or ceremonial use of tobacco. Further, tobacco use is defined in terms of when a tobacco product was last used.

A child represents any dependent age 0 to 20 who is a non-tobacco user. The ACA restricts insurers from basing rates on age for children 20 years old and younger.

For the purposes of the Office of Insurance Regulation’s "Choices: Family and Individual" comparison tool, dependents aged 18 to 20 who use tobacco products should be counted as adults so the appropriate "tobacco use" rate can be determined.

Children may stay on their parent’s or guardian’s health plan until their 26th birthday. Dependents can stay on the plan even longer in some circumstances. To be eligible for this coverage, children do not need to be financially dependent on you for support, claimed as dependents on your tax return, residents of your household, enrolled as students or unmarried.

If you have children who are newly eligible for coverage because of this change, you can add them to your plan during the next open enrollment period. If you have coverage at work, check with your employer for details about eligible dependents and enrollment periods.

The issuer must also offer the certificate holder the option to insure a child of the certificate holder at least until the end of the calendar year in which the child reaches the age of 30, if the child:

(a) Is unmarried and does not have a dependent of his or her own;

(b) Is a resident of this state or a full-time or part-time student; and

(c) Is not provided coverage as a named subscriber, insured, enrollee, or covered person under any other group, blanket, or franchise health insurance policy or individual health benefits plan, or is not entitled to benefits under Title XVIII of the Social Security Act.

The Florida county where your primary residence is located.

The comparison tool will be updated with the most recently filed rates on a daily basis. Updating frequency may be altered by the Office of Insurance Regulation for technical reasons.

The "CHOICES: Family and Individual" is for comparison purposes only and you cannot purchase coverage through this site. Therefore, you will need to contact one of the following:

1. Your insurance agent or broker;
2. Your preferred insurance company; or
3. A Florida navigator listed here
4. The contact information that displays when you click on a plan you are interested in under the "View Plans" section.

Once you choose a plan, the insurance company will provide the premiums for you and your family.

For additional information and to learn more about the various health insurance options available visit the federal exchange website at www.healthcare.gov.