Start with the reason coverage is ending
A termination notice may reflect an income change, age or household change, missing verification, missed renewal or another eligibility decision. The reason affects what you should do next. Follow the notice instructions and deadline if you believe Florida used incorrect or incomplete information.
Do not wait for the last day to act. Keep the notice, case number, documents you submit and screenshots or confirmation numbers from any renewal or appeal.
Marketplace coverage may be available for 90 days after the loss
HealthCare.gov provides a longer post-loss window for Medicaid or CHIP than for many other coverage losses: you may qualify if the loss happened in the past 90 days. A Marketplace application can also screen household members for Medicaid or CHIP.
Marketplace premium savings depend on expected annual tax-household income and other eligibility rules. Florida has not adopted the ACA adult Medicaid expansion, so some low-income adults can face a coverage gap. A Marketplace decision—not a lead form estimate—is the authoritative eligibility result.
Answer a few timing and household questions before sharing contact details.
Children may have a different path than adults
Children and some pregnant applicants may qualify through Florida Medicaid or Florida KidCare even when a parent does not. Check each household member separately rather than assuming one decision applies to everyone.
If an adult moves to Marketplace coverage while a child remains eligible for Medicaid or KidCare, the household can have different coverage sources. That split is common and can be appropriate.
Documents to gather
Prepare the Florida eligibility notice, proof of current household income, identity and immigration documents requested by the official application, current address and information about other available health coverage. Do not send medical histories to a lead service.
Common questions
Frequently asked questions
How long do I have after losing Medicaid?
HealthCare.gov says people who lost Medicaid or CHIP in the past 90 days may qualify for a Special Enrollment Period.
Should I appeal or apply for Marketplace coverage?
You may be able to do both. Follow the appeal instructions if the Medicaid decision may be wrong, and check Marketplace timing so you do not miss a separate enrollment window.
Can my children keep coverage if I lose mine?
Possibly. Children have different Medicaid and Florida KidCare eligibility rules, so each family member should be evaluated.
Does losing Medicaid guarantee a subsidy?
No. It may open an enrollment window, while financial assistance depends on household income, tax household, other coverage access and federal eligibility rules.
Primary sources
Where this guidance comes from
We prioritize current federal and Florida government sources. Rules and plan availability can change; use the official application for a final eligibility decision.
Updated September 10, 2026.