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Obamacare And You

Use our guide to see if you qualify for the marketplace

If you're unsure about whether or not you should try to sign up for health insurance under the Affordable Care Act, this interactive graphic is full of information that can help you decide.

Eight basic concepts you need to know about the Affordable Care Act:

1.  Requires all U.S. citizens to obtain health insurance or pay a tax penalty.

2.  Offers subsidies for low-income people to afford health insurance.

3.  Prohibits insurers from declining coverage.

4.  Mostly prohibits insurers from charging substantially more based on health or age.

5.  Creates online, government-run health insurance exchanges for people and small business.

6.  Increases tax credits for small businesses to offset health insurance costs.

7.  Mandates minimum benefits offered, including hospitalization, maternity leave and prescription drugs.

8.  Requires all large businesses to offer health insurance or pay a penalty.



  1. High court ruling against Obamacare would put pressure on Florida families, lawmakers


    Nicole Peterson already struggles to provide for her three daughters with the $36,000 she makes managing a Kenneth City day care center.

    President Barack Obama addresses the crowd at a rally at St. Petersburg College's Seminole Campus on Saturday. SPC -Seminole is the president's first stop on a two-day bus tour through Florida. [WILL VRAGOVIC | Times]
  2. If Obamacare subsidies are voided by Supreme Court, 1.3 million Floridians could lose out

    State Roundup

    More than 1.3 million Florida residents — the most of any state — could lose their financial aid for health plans under the Affordable Care Act if the Supreme Court rules against the federal distribution of subsidies later this month.

    FILE - In this Nov. 12, 2014 file photo, the website, where people can buy health insurance, on a laptop screen, is seen in Portland, Ore. More than 10 million people have signed up for subsidized private health insurance this year under President Barack Obama’s law, the administration reported Tuesday. The positive numbers are finally putting the nation within reach of coverage for all, but the gains may not last. (AP Photo/Don Ryan, File)
  3. Gov. Rick Scott sues feds over health care money, Medicaid expansion

    State Roundup

    TALLAHASSEE — Republican Gov. Rick Scott announced Thursday he will sue the federal government for allegedly coercing Florida to expand Medicaid.

    “We will fight to protect the health care of Floridians, and their right to be free from federal overreach.”
Gov. Scott
  4. PolitiFact: The federal health care law, things that came true and things that didn't (w/video)

    State Roundup

    Predictions about the health care law were a dime a dozen back in 2010. Supporters contended that virtually everyone around the country would soon have access to affordable insurance. Opponents said the law would cost a fortune by adding to the national debt and killing jobs.

  5. 'Interim' CEO of WellCare shakes things up


    TAMPA — Six months after becoming "interim" CEO of WellCare Health Plans, Dave Gallitano is proving he's no mere caretaker.

    Dave Gallitano, 66, chairman and interim CEO of WellCare Health Plans, is interviewed by the Tampa Bay Times on May 15, 2014.
  6. Obamacare advocates gear up for final two weeks of open enrollment


    TAMPA — Kristen Nash fueled up with a frappuccino, grabbed a handful of fliers and bounded across the University of South Florida campus.

    Kristen Nash tries to hand out health care fliers to University of South Florida students in Tampa. Nash also visits local businesses and puts fliers in their windows to advertise sign-up events.
  7. PolitiFact: Is working 'great' now


    With a March 31 deadline fast approaching to purchase health insurance or risk a penalty, the White House is engaged in a media blitz encouraging people to check out

    This image from the video shows President Obama, left, with actor-comedian Zach Galifianakis during an appearance on the faux talk show Between Two Ferns. Obama’s appearance was posted Tuesday on the comic website Funny or Die.
  8. First lady Michelle Obama visits Miami to promote Affordable Care Act


    MIAMI — First lady Michelle Obama met and spoke with residents about enrolling for health insurance through the Health Insurance Marketplaces in Miami on Wednesday afternoon.

  9. Deadline looms for Obamacare enrollment


    Consumers hoping to buy subsidized coverage on the Affordable Care Act marketplace need to make their purchase by Saturday to get coverage that takes effect March 1.

  10. Most Obamacare enrollees are over 35, new data show


    TAMPA — About one-fifth of the 158,000 Floridians who signed up for health coverage through the Obamacare marketplace are young adults, a hard-to-reach population considered critical to stabilizing the individual insurance market.

    Kathleen Sebelius, left, takes questions during a news conference with Tampa Mayor Bob Buckhorn on Monday.