One of the questions on the minds of so many concerned Floridians is the fate of the Affordable Care Act (ACA). With the Supreme Court scheduled to hear arguments shortly after the November 3rd election, no one has a clear understanding of what is to come, and the continuing political noise about the pros and cons of the decade old health insurance coverage program has left many consumers unsure of their options, particularly as so many families deal with the ongoing impacts of the COVID-19 pandemic. As the Director for Florida Covering Kids and Families at the University of South Florida, I can share some factual information about the current state of things in Florida. Our organization operates “Covering Florida”, a consortium of organizations working throughout our state, conducting community outreach and signing up Floridians for coverage in the ACA Federal Health Insurance Marketplace. For the past eight years we have been funded through a grant from the U.S. Department of Health and Human Services. November 1st, 2020 marks the beginning of the six-week period known as “Open Enrollment”, an annual window of opportunity for qualified residents of Florida to purchase a health insurance plan from a number of insurers. Covering Florida’s trained Navigators operate free of charge to help an eligible resident to “navigate” the range of options in coverage and costs that are available in their specific county. The Open Enrollment period closes on December 15th, for coverage beginning on the first day of 2021. Depending on family income, there may be significant financial assistance available to families to help keep premium costs affordable. In a normal year, our workload ramps up for Open Enrollment, but we’ve also been increasingly busy this year doing Special Enrollments. The normal Special Enrollment Period covers the time frame outside of Open Enrollment, generally helping people who have a change in life circumstances such as moving to a new location, changing jobs, having a baby and more. The sheer number of Floridians who have lost their jobs and their employer health insurance have kept everyone busy trying to help those impacted find solutions to their current circumstances. Covering Florida Navigators may be reached through our toll-free phone number and website, call 877-813-5777 or visit to schedule an appointment or find answers to your questions. Jodi Ray, MA Director, Florida Covering Kids & Families College of Public Health University of South Florida 813-974-3143 (office) 3111 East Fletcher Avenue, Tampa, FL 33613