Affordable Care Act

On March 23, 2010 the Patient Protection and Affordable Care Act (ACA) was signed into law. While some provisions went into effect in 2010, most provisions were implemented in January of 2014. ACA aims to expand health care coverage of the uninsured, improve access to community based long term care, increase medical providers for low income communities and strengthen consumer protections for the insured. CLSMF advocates can assist you in understanding your rights under ACA. For more information, please contact us.

Not Enrolled Yet? Read Below for More Info on the Special Enrollment Period!

Open Enrollment for health insurance through the Federal Marketplace, available through the Affordable Care Act, ended on February 15, 2015. Between February 16 and October 31, 2015 Navigators in Central Florida are enrolling families and individuals who qualify for a special enrollment period.

Events that qualify for a special enrollment are:

  • moving to Florida or into a new county in Florida
  • loss of health coverage from a job (for any reason)
  • loss of coverage due to divorce
  • loss of eligibility for Medicaid or Florida Kidcare/CHIP
  • new income source that moves a family out of poverty
  • marriage
  • birth or adoption of a child or placing a child in foster care
  • change in immigration status
  • release from incarceration

Navigators can help families sign up for Florida Kidcare/CHIP or Medicaid. They also assist families who are having difficulty accessing services despite having health insurance. The next Open Enrollment period is November 1, 2015 to January 31, 2016. All services are completely free of charge. To reach them, Central Floridians can call 1-877-564-5031 or schedule an appointment on-line at

For more information please contact Laura Pichardo-Cruz, Managing Attorney and Public Benefits Unit Leader at 407-841-7777, ext 2110 or via email at

See the Health Insurance Marketplace brochure

Use the screener tool to see if you qualify for the Special Enrollment Period

CLSMF Information and Forms

Background on the Coverage Gap

Bridge the Health Care Coverage Gap for Low-Income Floridians

Are You Low Income and Uninsured? Know Your Rights

Do you need an exemption for the health insurance mandate? Complete this form!

Request Assistance Avoiding Tax Penalty for Lack of Medical Coverage – Complete this form

Special Enrollment Periods


More Resources and Information

Am I eligible for coverage in the Marketplace?

Most people will be eligible for health coverage through the Health Insurance Marketplace. To be eligible for health coverage through the Marketplace, you: 1) must live in the United States; 2) must be a U.S. citizen or national (or be lawfully present); 3) can’t be currently incarcerated…. Read More


How does the health care law protect me?

Whether you need health coverage or have it already, the health care law offers new rights and protections that make coverage fairer and easier to understand. Some rights and protections apply to plans in the Health Insurance Marketplace or other individual insurance, some apply to job-based plans, and some apply to all health coverage. These rights and protections provide even more choice and control over your health coverage when key parts of the law take effect in 2014. Use this guide to learn about your rights and protections today and in 2014…Read More

Fact Sheet: What You Should Know about VA Health Care & the Affordable Care Act

If you are enrolled in VA health care, you don’t need to take additional steps to meet the health care law coverage standards. The health care law does not change VA health benefits or Veterans’ out-of-pocket costs. If you are not enrolled in VA health care, you can apply at any time…Read More


VA, Affordable Care Act (“ObamaCare”) and You

The Affordable Care Act, also known as the health care law, was created to expand access to coverage, control health care costs and improve health care quality and care coordination. The health care law does not change VA health benefits or Veterans’ out-of-pocket costs… Read More