Last reviewed: September 30, 2026.
Central Florida Health Care Winter Haven is an FQHC with a sliding fee scale. Confirm fees and whether your plan lists this site.
Direct answer: Yes. Central Florida Health Care says that as a Federally Qualified Health Center it offers a sliding fee scale to qualified patients, with fees for uninsured or self-paying patients based on income and family size. Confirm the exact plan ID and coverage year before you rely on a directory listing.
Short answer
Yes. Central Florida Health Care says that as a Federally Qualified Health Center it offers a sliding fee scale to qualified patients, with fees for uninsured or self-paying patients based on income and family size.
Does this clinic take my health plan?
Possibly. Networks are set plan by plan, so look up Central Florida Health Care Winter Haven in your plan's provider directory and call with your plan ID before your visit.
CFHC Winter Haven sites: Winter Haven Adult (1514 First St N, 33881), Winter Haven Women & Children (201 Magnolia Ave SW), Winter Haven Integrated Behavioral Health (244 Ave D SW).
Marketplace plans must cover essential health benefits including emergency services, hospitalization, pregnancy/maternity/newborn care, mental health and substance use disorder services, and pediatric services.
Clinic care vs. a Marketplace plan
No. Clinic discounts apply to that clinic's own services. They don't pay for hospital stays, emergency room visits, or outside specialists, and there is no out-of-pocket maximum like a Marketplace plan has.
Network status can differ by plan; check the plan's provider directory before enrolling. Use the exact plan ID and coverage year, then call the facility billing office and write down the date and the person you spoke with.
Use how much income qualifies for a subsidy, Winter Haven health insurance to gather names, locations, and prescriptions before you compare plans.
Enrollment timing and Special Enrollment Periods
Open Enrollment for next year runs November 1 to January 15 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1. Outside that window you generally need a Special Enrollment Period, such as losing other coverage.
Losing other coverage (for example, loss of minimum essential coverage) may qualify you for a Special Enrollment Period, subject to Marketplace eligibility rules.
HealthCare.gov (Florida uses it): Open Enrollment starts November 1; enroll by December 15 for January 1 coverage; Open Enrollment ends January 15, with February 1 coverage for December 16 to January 15 enrollments.
What to verify before you enroll
- Search Central Florida Health Care – Winter Haven (Adult, Women & Children, Integrated Behavioral Health) and each doctor by name and location in the plan directory
- Confirm the exact plan ID and year with the billing office
- Check prescriptions and pharmacy separately from the facility listing
- Read urgent-care versus emergency-room cost sharing in the Summary of Benefits
Additional verified details
"As a Federally Qualified Health Center, CFHC is able to offer Sliding Fee Scale to qualified patients. Fees for uninsured or self-paying patients are determined by income and family size." New patients: 866-234-8534.
After the temporary 2021–2025 enhancement, standard Premium Tax Credit rules apply; eligibility depends on household income and size.
Nearby facilities
- Does Central Florida Health Care Have a Sliding Fee Scale?
- Does Frostproof Have a Sliding-Fee Clinic Nearby?
- What Does the Polk County Health Department Clinic Offer?
Local coverage pages
- Winter Haven coverage help
- East Polk Medicare plan checks
Related coverage questions
- how much income qualifies for a subsidy
- how to keep your doctor when you change plans
- HMO vs EPO vs PPO
- deductible vs. out-of-pocket maximum
Common questions
Is CFHC Winter Haven a Sliding-Fee Clinic?
Yes. Central Florida Health Care says that as a Federally Qualified Health Center it offers a sliding fee scale to qualified patients, with fees for uninsured or self-paying patients based on income and family size. Confirm the exact plan ID and coverage year before you rely on a directory listing.
Is sliding-fee clinic care the same as health insurance?
No. Clinic discounts apply to that clinic's own services. They don't pay for hospital stays, emergency room visits, or outside specialists, and there is no out-of-pocket maximum like a Marketplace plan has.
When can I enroll in a Marketplace plan?
Open Enrollment for next year runs November 1 to January 15 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1. Outside that window you generally need a Special Enrollment Period, such as losing other coverage.
Can I use Central Florida Health Care Winter Haven if I have a Marketplace plan?
Possibly. Networks are set plan by plan, so look up Central Florida Health Care Winter Haven in your plan's provider directory and call with your plan ID before your visit.
What to do next
David Huff, a licensed Florida health agent, can review Polk County doctors, facilities, and prescriptions against a specific Marketplace plan ID. He does not decide facility billing. Call (863) 640-3102 or use Get Help.
Want a second set of eyes before you pick a plan?
Send your ZIP, the doctors and facilities you use, and your prescriptions. Please don't send Social Security or Medicare numbers or medical records. A review is not enrollment.
Start a provider check Request a plan review Call (863) 640-3102Not affiliated with HealthCare.gov or the U.S. government.
Sources
- Central Florida Health Care (CFHC) — Clinic Locations
- Central Florida Health Care (CFHC) — Sliding Fee Discount Program
- HealthCare.gov — Essential Health Benefits & Marketplace Coverage
- HealthCare.gov — Marketplace Open Enrollment Dates & Deadlines
- IRS.gov — Questions and Answers on the Premium Tax Credit
- HealthCare.gov — Special Enrollment Period (SEP) Rules
This page is educational. It does not say whether a facility or doctor participates with a specific plan. Confirm the plan directory and the billing office before you enroll or switch.