Click here to watch the video  - Fox 13, Warren Elly reporting

Without treatment, little Carla's chest cold could turn into pneumonia. Luckily, the toddler's mom has health insurance for her.

But that's not the case for thousands of Florida children, despite the fact that affordable health insurance - backed by the state and federal government - is available for most of them.

It's called KidCare. Families earning $40,000 or less qualify, so long as they can prove U.S. citizenship and Florida residency.

Incredibly, 700,000 children in Florida qualify for KidCare and are not enrolled.

"There are a lot of children, particularly in the Tampa Bay Area," explained child advocate Chris Card. "That qualify and could use this health care coverage, and we've just put up too many barriers."

Those barriers include budget politics and loads of paperwork that are unnecessary red tape according to Congresswoman Kathy Castor, who is pushing a bill to eliminate it.

Castor said it ought to be "an express lane to that doctor's office visit that is so vital to the health of our kids, when we say kids we're talking babies all the way to age 19".

Mia Dorton's 10-year-old son hurt himself on the trampoline, but without KidCare, he'd have to go without treatment.

"We've had to make a choice occasionally too between food and health care," said Dorton. "Sometimes it's hard and I know there's a lot of families that were in the same position that we were in."

For many families, the low cost insurance is the only way to make ends meet.

"Before, I had private insurance and I was paying $350 a month and barely making it," said Cindy Ross, a mother of a teen daughter.

The moms and the child advocates say it's time to promote KidCare, to sign up all those kids without insurance.

"I mean it's provided, the money is there and I think it's just a matter of getting out the word and getting people educated," said Dorton