FL · State

Medical Bills & Health Insurance Help in Florida

Whether you are staring at a hospital bill, an EOB you cannot read, or a denial letter, this page collects what is specific to Florida — HealthCare.gov, the federal marketplace Florida uses, Florida Medicaid, and the state rules that shape charity care and appeals — alongside our free tools.

Coverage and enrollment in Florida

Marketplace

HealthCare.gov

Florida uses HealthCare.gov, the federal ACA marketplace. Premium tax credits and cost-sharing reductions are available to residents who qualify.

Open enrollment: Nov 1, 2025 – Jan 15, 2026

Visit HealthCare.gov

Medicaid & Medicare help

Florida Medicaid

1-877-711-3662

Free Medicare counseling (SHIP): 1-800-963-5337

Florida Medicaid website

Florida agencies

Florida Medicaid
Florida Dept. of Health

Bill protection rules

Florida Patient Protection Act and federal §501(r) requirements

Free care is commonly available up to about 200% of the federal poverty level, with sliding-scale discounts up to roughly 400%. Denial appeals are often due within 30 days.

Citation you can quote in a letter: Fla. Stat. §395.701

Free help and complaint channels in Florida

FL Department of Financial Services — Insurance Consumer Helpline
1-877-693-5236
Website
Florida Health Justice Project
Website

Tools you can use on a Florida bill

Bill SummarizerPaste or upload a bill and get a plain-language breakdown of every line.Appeal Letter BuilderDraft a denial appeal that cites the rules that apply to you.Financial Aid CalculatorEstimate whether you qualify for hospital charity care or a discount.Provider FinderSearch the federal NPI registry for clinicians near you.Compare Insurance PlansSee how carriers available in your area stack up.How to Read an EOBUnderstand what your insurer actually paid — and what you owe.

Not sure where to start?

Answer three short questions and we will point you to the right step for your situation in Florida.

Start here How to appeal a medical bill