Housekeepers, nannies, in-home caregivers, and personal assistants make up a large segment of Florida's workforce — particularly in affluent counties like Palm Beach, Broward, and Miami-Dade. Despite working full-time hours, most domestic workers have no employer-provided health insurance. Because private household employers are almost universally exempt from the ACA employer mandate, finding coverage falls entirely on the worker. The ACA marketplace is the primary solution, but documenting irregular or cash-based income requires knowing what HealthCare.gov accepts.
The ACA employer shared responsibility requirement — the so-called "employer mandate" — applies only to employers with 50 or more full-time equivalent employees. Private households that employ a housekeeper, nanny, gardener, or home health aide are almost never anywhere near that threshold. Even agencies that place domestic workers in homes typically don't qualify as the employer under household employer rules.
This means domestic workers are, for ACA purposes, in the same boat as many self-employed individuals: responsible for sourcing their own coverage. The marketplace is designed for exactly this population.
Comparing ACA plans in Florida
The most common challenge for domestic workers is proving income — especially when paid in cash or without formal pay stubs. HealthCare.gov requires income documentation for marketplace applications, but it accepts a variety of formats. Domestic workers paid informally can use:
Ideally, ask your household employer to formalize the arrangement — they are required under federal law to withhold Social Security and Medicare taxes and file Schedule H when they pay you more than the threshold amount. Formal W-2 employment simplifies your ACA application and provides you with Social Security credits for future retirement and disability benefits.
Full-time domestic workers in Florida typically earn between $25,000 and $45,000 annually — a range where ACA subsidies are substantial. At $30,000 annual income for a single person (approximately 199% FPL in 2026), the benchmark Silver plan premium is capped at about 3.31% of income — roughly $83/month net. The actual Silver plan premium in many Florida counties before subsidies runs $350–$500/month, so the subsidy covers the majority of the cost.
At this income level, you also qualify for Cost Sharing Reduction (CSR) subsidies on Silver plans, which reduce your deductible, copays, and out-of-pocket maximum. A Silver plan with CSR at 200% FPL typically has a deductible around $700 and an out-of-pocket maximum around $3,000 — dramatically better than a standard Bronze plan.
Florida has very limited Medicaid eligibility for working-age adults. Florida did not expand Medicaid under the ACA, which means childless adults generally cannot qualify for Medicaid regardless of how low their income is. The one major exception: parents of dependent children may qualify for Medicaid if their income is below approximately 31% of the federal poverty level — an extremely low threshold that few working domestic workers will meet.
Domestic workers with children should check CHIP eligibility for their kids separately — children in Florida qualify for CHIP at much higher income levels than adults qualify for Medicaid, covering children in households up to 210% FPL. The children's coverage question is separate from whether the parent can get Medicaid.
For domestic workers earning too little to qualify for marketplace subsidies but ineligible for Florida Medicaid — those in the "coverage gap" with income below 100% FPL — community health centers (Federally Qualified Health Centers) provide sliding-scale care regardless of insurance status. Find local FQHCs through FindAHealthCenter.hrsa.gov.
Domestic workers change employers more frequently than many other workers — a family moves, children grow up, an elderly person passes away. Losing a domestic job can create a coverage gap if you don't act quickly. Loss of coverage due to job loss is a qualifying life event that triggers a 60-day Special Enrollment Period. Within 60 days of losing your previous coverage (or losing your job if you had no formal coverage), you can enroll in a marketplace plan.
If you're between domestic positions and your income drops below your original estimate, update your HealthCare.gov income projection — you may qualify for higher subsidies during the gap period. If you find a new position quickly, report the income increase accordingly.
We help housekeepers, nannies, and home care aides in Florida navigate income documentation and find the most affordable marketplace plan — including Silver CSR options that dramatically reduce out-of-pocket costs.
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