Florida Health Insurance

Health Insurance Overview

Florida residents have many options for health care coverage. There are numerous Florida insurance providers to choose from, along with a variety of Florida medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Florida health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Florida medical insurance from the best Florida insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Florida health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Florida health insurance programs, and even details on some of the top Florida insurance providers.

To compare specific Florida medical insurance plans offered by the various Florida insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Florida health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Florida health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Florida? Find your state here.

Florida Health Insurance Facts & Statistics

Total Florida Residents – 18,412,600

Total Health Insurance Coverage In Florida:
Employer – 42%
Individual – 5%
Medicaid – 13%
Medicare – 16%
Other Public – 2%
Uninsured – 21%

Average Individual Monthly Premiums – $178

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 21%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,073

Average adjusted hospital cost per inpatient day – $1,776

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Florida Medical Insurance Laws, Regulations & Policies

There are several Florida health insurance laws and regulations that are put in place to protect policyholders living in the state. In the Sunshine State, residents have guaranteed access to Florida health insurance coverage in certain situations. You cannot be denied coverage if:

  • You were diagnosed with breast cancer and completed treatment more than two years prior
  • You were fully covered by a group health plan for at least three months
  • You are HIPAA-eligible
  • You move out of an insurance company’s service area and are looking for a new plan

The federal law COBRA (Consolidated Omnibus Reconciliation Act) gives any Florida resident the right to continue group health insurance coverage if he or she leaves a job that provided group coverage. Also, small groups of one to 50 people are guaranteed acceptance to a Florida health insurance plan.

Florida health insurance law requires all health plans cover certain medical services. Those services are:

  1. Screening for breast cancer
  2. Care for some diabetes-related conditions
  3. Continuity of care for pregnant women
  4. Vaccinations for children

Florida medical insurance plans must also set the same coverage limits and maximums for mental health conditions as they do physical health conditions; this is known as mental health parity.

Florida Health Insurance Resources

Florida Public Health Dental Program

The Public Health Dental Program is committed to promoting and developing community-based preventive, educational and treatment programs that emphasize the elimination of oral health disparities.

Florida Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those who have pre-existing conditions. The Pre-Existing Condition Insurance Plan (PCIP) in Florida is not a public program and enrollees will have to pay monthly premiums and out-of-pocket expenses like normal Florida health insurance plans.

Florida residents with PCIP pay around the same amount that people without medical conditions pay on the private insurance market. The estimated monthly premium rates for Florida residents are $363 for ages 0 to 34; $435 for ages 35 to 44; $556 for ages 45 to 54 and $773 for people 55 and over. There is also a $2,500 deductible. The Florida health insurance high risk pool provides eligible residents health insurance coverage for hospital and doctor visits, prescription drugs, emergency services, and more.

Individuals are eligible to enroll in the Florida PCIP if they are a United States’ citizen, have an existing medical condition, and have been uninsured for six months. The Florida Legislature opted to have the federal government run the high risk pool and residents can find more information at http://www.healthcare.gov/index.html.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Florida Medical Insurance and Health Care Programs

The state of Florida offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    The Florida Medicaid program offers some low-income adults and children health insurance coverage. Families who have high medical bills may also qualify for Medicaid in Florida. Visit http://www.fdhc.state.fl.us/Medicaid/index.shtml for more information.
  • Florida KidCare
    KidCare offers low-cost health care coverage for uninsured Florida children, starting as low as $15 a month. Families who do not qualify for Medicaid, but cannot afford private coverage, may be eligible for the Florida KidCare program. Currently, any child in a family earning less than 200 percent of the federal poverty level qualifies. Visit Florida KidCare online for more information.
  • Mary Brogan Breast and Cervical Cancer Program
    The Mary Brogan program provides some women in Florida with screening for breast and cervical cancer. If diagnosed with breast or cervical cancer, eligible women can receive full health insurance coverage though Medicaid. To learn more about this Florida medical insurance program, visit the website.
  • Florida Medicare
    Seniors who are eligible for Florida Medicare can find coverage through Medicare Advantage, Medicare Supplement or Original Medicare.

Under the Federal Health Coverage Tax Credit, some Florida residents may qualify for financial assistance from the federal government. Visit the Internal Revenue Service (IRS) online to learn more. You can also find out if you qualify for other Florida health insurance programs at http://ahca.myflorida.com/.

Florida Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Aetna AARP Health Insurance

Aetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to over 787,000 doctors, hospitals and other health care providers.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

AvMed Florida Health Insurance

For more than 40 years, AvMed Florida has been a top provider of affordable health insurance solutions for individuals, families and senior citizens.

Avalon Healthcare Health Insurance

Avalon Healthcare is a leading health insurance provider in Florida. It provides consumer-directed health plans for both individuals and businesses.

Blue Cross Blue Shield of Florida Health Insurance

As a non-profit insurance company, BCBS of Florida provides a wide variety of health insurance plans with superior customer service.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Cigna Health Insurance

CIGNA is one of the oldest insurance companies in America, providing health insurance and other coverage solutions to millions of consumers around the country.

Coventry Health Care Health Insurance

Coventry One Florida offers affordable health insurance solutions and a wide range of convenient health care provider networks to receive quality care.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Humana Health Insurance

Through affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

UnitedHealthOne Health Insurance

Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for over 60 years.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Florida Department of Insurance and Public Health

Florida Office of Insurance Regulation and Department of Health

Find the contact information for the Florida health insurance and public health departments at:

Florida Office of Insurance Regulation
200 East Gaines Street
Tallahassee, Florida 32399-0305
Phone: (850) 413-3140

Florida Department of Health
2585 Merchants Row Boulevard
Tallahassee, FL 32399
Phone: (850) 245-4444