Before you sit down to apply for Florida health insurance through the ACA marketplace, it helps to have your documents ready. Walking into the application without the right information can cause delays or lead to errors that affect your subsidy eligibility. Here's exactly what you need to gather before you start.

Personal Information for Every Applicant

Personal & Identity Details

  • Full legal name and date of birth for each person applying
  • Social Security number for each U.S. citizen or national in the household
  • Current home address and mailing address (if different)
  • Citizenship or immigration status for each household member

Your Social Security number is used to verify your identity, confirm your citizenship status, and cross-reference income data with the IRS. If you do not have an SSN because you are a lawfully present immigrant, you will need your alien registration number or other immigration document numbers instead.

Household and Income Information

Income & Household Documents

  • Estimated annual household income for the coverage year
  • Recent pay stubs (last 2–3 months) or most recent federal tax return (Form 1040)
  • All sources of income: wages, self-employment, Social Security, alimony, rental income
  • Names and birth dates of all household members, even those not applying for coverage
  • Number of people you will claim as dependents on your federal tax return

Your household income determines how much of a premium tax credit (subsidy) you qualify for. The marketplace uses your estimated Modified Adjusted Gross Income (MAGI) for the coming year. If your income changed significantly from last year — due to a job change, retirement, or starting a business — use your best estimate for the current year rather than copying your prior-year tax return.

Immigration and Citizenship Documentation

If anyone in your household is not a U.S. citizen or national, gather their immigration documents before applying. Acceptable documents include:

Mixed-status households — where some members are citizens and others are not — can still apply. Eligible members can receive coverage and subsidies regardless of the immigration status of other household members.

Employer Coverage Details

If your employer or a household member's employer offers health insurance, you will need the details of that offer. The marketplace needs to know whether the employer plan is considered "affordable" and meets minimum value standards. You can typically get this information from your HR department or the plan's Summary of Benefits and Coverage document. An unaffordable employer offer may still allow you to qualify for marketplace subsidies.

Existing Insurance Information

If you currently have health insurance — through a previous employer, COBRA, a marketplace plan, or any other source — have those details available. This includes your current policy number, carrier name, and coverage dates. This helps establish whether you have a Special Enrollment Period and ensures there is no gap in coverage if you are switching plans.

Having all of this ready before you begin means your application can be completed in a single session with no interruptions. If you would rather have a licensed agent walk through it with you, the Get Florida Coverage team is available at (877) 224-8539 at no charge.

Get Help Enrolling — At No Cost to You

Our licensed Florida agents will walk through your application with you and find the plan that fits your budget and needs.

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Frequently Asked Questions

Do I need my Social Security number to apply for Florida health insurance?
Yes, if you are a U.S. citizen or national, you will need to provide your Social Security number on the healthcare.gov application. You also need SSNs for every household member who is applying for coverage. If a household member does not have an SSN — for example, a non-citizen spouse — you can still apply for coverage for yourself and your children without one.
What if my income varies? What number should I use on the application?
Use your best estimate of total household income for the full calendar year. If you are self-employed, a contractor, or work seasonally, add up all sources — wages, freelance income, rental income, Social Security benefits, and any other taxable income. It is better to estimate carefully than to guess too low, because if you underestimate you may owe money back at tax time when your advance premium tax credit is reconciled.
Do immigrants qualify for Florida ACA marketplace plans?
Lawfully present immigrants — including green card holders, refugees, asylees, and those with certain visa statuses — can enroll in ACA marketplace plans and qualify for premium tax credits based on their income. Undocumented immigrants are not eligible for marketplace coverage. Mixed-status households can apply for coverage for eligible family members without affecting others.