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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. '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.
  2. 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.
  3. 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.
  4. 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.

  5. 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.

  6. 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.
  7. PolitiFact: Bloggers say Obamacare coding system could usher in beheadings

    State Roundup

    We've heard people give lots of reasons for opposing Obamacare. But until a reader sent us some Internet links recently, we hadn't realized that one of the fears being spawned by Obamacare was that it could usher in legal beheadings across America.

    One blog published an article titled, "ObamaCare Medical Codes Confirm: Execution by Beheading To Be Implemented in America." We took a closer look.
  8. Florida Republicans face Obamacare conundrum: Take the subsidy or not


    WASHINGTON — Rep. Dennis Ross is putting his money where his talk is on Obamacare.

    Sen. Marco Rubio enrolled in the federal exchange and took the subsidy. He said he would support legislation to eliminate the financial help. Rep. Dennis Ross is putting his money where his talk is on Obamacare. The Lakeland Republican has shopped for private insurance rather than participate in the federal health care marketplace, surrendering the generous taxpayer-funded subsidy.
  9. Florida insurance firm recruits nonprofits to sell Obamacare


    TALLAHASSEE — The Stuart-based Fiorella Insurance Agency made headlines a couple of months ago when it began using the Obamacare Enrollment Team name to insinuate official ties to the health care law and sell policies to unsuspecting people, setting off an ongoing state inquiry.
  10. PolitiFact reader reaction to 'If you like your health care plan, you can keep it'


    "Although I'm a supporter of the new health care law, it's clear the president attempted to retroactively adjust what he in fact had said. That many lost their insurance was no surprise to me. Why? Because of the good work performed by PolitiFact; I knew what he was saying was only Half …