Florida Medical Insurance Plans
Get Quotes on Private Health Insurance in Florida
Health Insurance Plans Org works with Florida insurance providers that provide health insurance for individuals and families. Compare Florida individual and family health plans from various providers and choose the program best suited for your health care needs.
Purchasing an Individual and Family Health Plan in Florida
A new Florida private health insurance coverage may be appropriate for you if:
- You are self-employed
- Your employer does not provide a group plan
- You are enrolled in a group health insurance, but it does not cover partners or dependents
- You are enrolled in a health insurance plan, but the premiums are too high
- You are enrolled in a health insurance plan, but your benefits requirements have changed
Finding Affordable Florida Individual and Family Medical Insurance
If both you and your spouse or domestic partner are searching for a new health insurance plan, we recommend that you look up health insurance quotes both together and separately to find the health insurance plan that is most affordable for you.
Depending on the health insurance carrier, Florida’s individual and family health insurance rates for couples can be based on the age of the youngest individual on the policy. Some couples with an age difference of several years may find they save money by applying for the same plan instead of personally. Couples that are only a few years apart may reduce their total expenses by applying for separate health insurance plans. If you decide to apply for a health insurance plan as a couple, ensure the plan you select covers the benefits both of you want.
Types of Health Insurance You Can Get
Affordable Care Act Plans
You may know ACA plans as major medical, comprehensive coverage, or even “Obamacare,” but whatsoever you call them, these plans meet all the requirements of the ACA and are usually the most comprehensive on the market. If you have a chronic illness or face a medical emergency, these plans can help prevent staggering costs.
ACA plans offer benefits for many healthcare services, both inpatient and outpatient, and can save you money on routine doctor visits, prescription drugs, preventative care, hospital stays, and more. These plans are accessible to almost everyone, and you can’t be denied due to preexisting conditions.
Short-Term Health Insurance Plans
If you can’t afford an Affordable Care Act (ACA) plan or have missed the cutoff to apply, you may need to consider a short-term plan. Short-term health insurance usually provides much less coverage and doesn’t help you avoid any state tax penalties. But short-term plans do accept applications year-round, and they can help offset expenses if you have a medical emergency unrelated to a preexisting condition.
Short-term health insurance does not meet the ACA requirements and may not cover all — or any — of your medical needs, so you’ll require to read the plan details carefully before applying. Also, worth noting that buying short-term health insurance may make you ineligible for other health coverages, including ACA plans and COBRA.
Medical Indemnity Insurance Plans
These plans pay you a fixed amount for services like $50 for a doctor visit. In this example, if you visit the physician, the plan will give you $50, irrespective of the bill for the actual visit.
When combined with other plans, medical indemnity plans can aid cover out-of-pocket medical expenses such as copays and coinsurance. You can also buy a medical indemnity plan as your only plan or as part of an insurance package, but as with short-term health insurance, medical indemnity coverages do not meet the requirements of the Affordable Care Act (ACA) and will not help you avoid any state tax penalties. Indemnity plans also basically do not cover preexisting conditions and may comprise per-incident, yearly, or lifetime benefit limits.
Medical indemnity plans are not right for everybody, but if you want assistance covering medical costs and expenses, they may be worth a second look.
Resources and References