SHARE 3 2 COMMENTMORE

MIAMI (AP) -- Roughly 1 million uninsured Floridians who repeatedly heard affordable health insurance was just around the corner for them thanks to President Barack Obama's new law are finding a harsh reality - they're too poor to qualify.

Florida lawmakers chose not to expand Medicaid under the Affordable Care Act, meaning those earning below the poverty line, $11,490 for an individual or $23,550 for a family of four, aren't eligible for tax credits through the online marketplace.

Juanita Mainster, a Miami counselor who helps consumers sign up for health insurance, says it's heartbreaking to explain to consumers who don't qualify for help.

She and other counselors estimate only 30 percent of applicants at their Miami office end up signing up for a health plan because they can't afford it.