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Originally Posted by USCFCAT1
Simplest solution - decide if the "fine" is lower than the cost of coverage. If you need a major medical policy so be it.
From there, keep an address in the home state if there is coverage there...and keep it.
Anyone who is so hoodwinked to think that ACA is a good thing needs to really catch up with reality. Just because you have a card that says BCBS or United does not mean that any provider needs to accept it.
Remember, with ACA if you cut your thumb at home...that is NOT a health insurance claim, that is a Home Owners claim.
If you cut your thumb at your neighbors, that is a claim on THEIR home owners/renters policy.
If you hurt your thumb at work...that is a Comp injury.
If you hurt your thumb in the car...Auto claim.
COBRA is never ever not even slightly a good idea for 99% of the population.
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I hope you are not under the impression that I support the ACA. I'm simply replying to the OP who as I see it will not have the opportunity to keep their current health plan. To my knowledge in the state of Florida, there isnt an open market for the OP to shop for health insurance. There is one company, Florida Blue, and one way to purchase coverage, through the ACA Marketplace. To not have some type of coverage to cover unexpected catastrophic events would really be a huge risk.
The OP should contact a local, experienced agent and get the facts of coverage availability, and get guidance on proceeding.