Florida Health Insurance

Searching for a good Florida health insurance plan can be such an arduous task; but we can ease this endeavor. By entering your zip code, we'll show you your options among leading health insurance providers in the state. Browse through the health insurance quotes and plans and see which one fits your health care needs.

Facts and Figures

  • Place in State
    Health Report Card
  • Insured 16,172,101
  • Uninsured 3,868,400
  • Insurance
  • Number of
    General Doctors
  • Number of
  • Average Cost of
    Health Insurance*
* — Average yearly cost of premiums for family coverage

Breakdown of Insureds

  • Employer-sponsored health insurance 56%
  • Private plans 6%
  • Medicaid 15%
  • Medicare 20%
  • Others 3%

Insurance Carriers

State Health Report Card

1. Smoking among adults in Florida has decreased over the last ten years, However, there are still more than 2.5 million adults smokers in the state. 2. Obesity in Florida has increased over the last ten years from 2.3 million to 4 million adults. 3. Diabetes cases increased from 812,000 to more than 1.5 million over the last ten years. 4. Violent crime rate decreased from 613 to 542 cases per 100,000 population in the past year. 5. The rate of preventable hospitalizations is up from 62.5 to 64.3 discharges per 1,000 Medicare enrollees in the past year. 6. Florida is ranked higher for determinants than for outcomes, a positive sign indicating an improvement on overall health over time.

Florida Health Insurance Laws and Regulations

Unlike most states, there is no guaranteed  renewability for Florida health insurance plans. Your insurance provider may deny your application for renewal. To avoid this, make sure that your policy includes a guaranteed renewal clause. Health insurers are allowed by law to deny coverage to consumers asking for Florida health insurance quotes. Their basis for denial or approval is an applicant's age, health or other  risk factors. These are also the basis for setting the premiums. A pre-existing condition is a condition you were diagnosed with before you applied for coverage. There is a 2-year lookback period for pre-existing conditions. Florida insurers can deny coverage for any treatment or care relating to that condiiton. This is referred to as exemption. The exemption may last for months, years or permanently. The time that you waited for the exemption may be carried over when you apply for another policy.  Small businesses have the privilege of applying for any small business group plan being offered in the state. The only requirement is for small businesses to comply with the requirements set for the group.   Premium rates for small business group plans vary depending on the group's risk factors. Self-employed individuals can choose to get coverage through the small business group plans being offered in the state or through individual plans. They can enjoy tax credit for paying their premiums.      

Unlike most states, there is no guaranteed renewability for Florida health insurance plans. Your insurance provider may deny your application for renewal. To avoid this , make sure that your policy includes a guaranteed renewal clause.

Health insurers are allowed by law to deny coverage to consumers asking for Florida health insurance quotes. Their basis for denial or approval is an applicant's age, health or other risk factors. These are also the basis for setting the premiums.

State Government Insurance Programs Offered

Florida Medicaid

Medicaid offers coverage to low-income individuals and families who cannot pay for their medical care. Applicants for this program should meet financial and other eligibility requirements. Benefits for this program include physician services, medical and dental check-ups, diagnostics, prescriptions, hospital services, hospice, dental care, family planning, maternity, prenatal, newborn care, drug and alcohol treatment, mental health services and many more. Eligibility: 1. Must be U.S. citizens or legal residents living in Florida. 2. Must not exceed income limits: Pregnant women: 200% FPL. Children aged 0-1: 185% FPL. Children aged 1-5 : 133% FPL. Children aged 6-19: 100% FPL. Families with dependents: up to 30% FPL. Medically-needy: Singles earning 35% FPL with resource limit of $2,000; couples earning 30% FPL with resource limit of $4,000. Add $100 for additional member. Aged, blind, or disabled receiving SSI: Singles earning 74% FPL with asset limit of $2,000; couples earning 83% FPL with asset limit of $3,000.

Florida Healthy Kids Program (Kidcare)

Florida KidCare is Florida's Children's Health Insurance Program (CHIP) for uninsured children under 19 years. The program is composed of four parts and applicants are placed on a program depending on age and family income. The program offers comprehensive health coverage. Benefits are based on the type of program the child is under. Some of the services included are: hospital, surgery, emergencies, prescriptions, doctor visits, check-ups and immunizations, vision and hearing, dental, and mental health. Eligibility: 1. Must be a U.S. citizen or qualified residents living in Florida. 2. Must be uninsured. 3. Must be below 19 years. 4. Must have income not exceeding 200% FPL. 5. Must not belong to a public institution. 6. Must not be eligible for Medicaid, or a dependent of a state employee eligible for coverage.


This health care program is administered by the federal government and provides health insurance coverage to Americans aged 65 and above or those younger than 65 but have a disability or end-stage renal disease. Coverage has four parts: Part A: provides inpatient care in hospitals and rehabilitative centers. Part B: provides doctor and some preventive services and outpatient care. Part C: provides Medicare benefits through Medicare Advantage. Part D: provides prescription drug coverage. Eligibility: 1. Must be a U.S. citizen or permanent U.S. resident. 2. Must be 65 years or older, with you or your spouse having worked in a Medicare-covered employment for at least ten years; or have a qualified disability or end-stage renal disease, regardless of age.

Breast and Cervical Cancer Prevention

The Florida Breast and Cervical Cancer Early Detection Program offers screening, diagnostics, and treatment to qualified low-income women. Benefits for this program include clinical breast exams, mammograms, breast and cervical cancer screenigs, and Pap tests. Eligibility: 1. Must be a woman living in Florida. 2. Must be aged between 50 and 64. 3. Must not exceed 200% FPL. 4. Must be uninsured or have an insurance plan that doesn't cover breast or cervical cancer screenings.

Pre-existing Condition Insurance Plan (PCIP)

This plan is a temporary high-risk pool created by the Health Care Reform and operated by Florida's Department of Health and Human Services. This program provides coverage for individuals with a pre-existing condition who have a hard time finding private coverage. Coverage includes a wide range of benefits which includes hospital care, primary care, specialty care, and prescription drugs. Eligibility: 1. Must be a U.S. resident living in Florida. 2. Must be uninsured for at least six months. 3. Must have a qualified pre-existing health condition.

Heath Care Reform

For 290,000 small businesses reviewing for Florida health insurance quotes, it will be easier for them to purchase because of the tax break that the health care reform brings. Through this, they could provide their employees with more affordable Florida health insurance plans. For the past ten years Florida health insurance quotes have risen faster than the employees' pay.

Medicare members no longer need to worry about the donut hole or the gap in their prescription drug coverage. Medicare members in Florida received a $250 check as rebate. By 2020 the reform is poised to completely close the donut hole. Early retirees also benefit from the health care reform. A budget of $5 billion had been issued to provide temporary coverage for early retirees.

Florida health insurance plans will no longer have lifetime limits. Because of this, residents don't have to worry about accumulating medical costs that won't be covered by their plans. Florida health insurance providers will no longer be allowed to drop the coverage when the member gets sick. Even children with a pre-existing condition can be sure that they will be given coverage.

Florida health insurance providers who have new plans are required to develop an easy process in filing for complaints and disputes.
Patients will now be able to choose their primary care physicians and ensure access to emergency medical care. Women will be allowed access to an ob-gyne without having to go through a primary physician.

Young adults under the age of 26 are now allowed to be covered under their parent's policy. But children who have access to a Florida health insurance plan through their employers could no longer be signed up as a dependent.
The main goal of the Patient Protection and Affordable Care Act is to provide affordable coverage particularly to Americans who are having a hard time acquiring a policy. In line with this, the federal government has given Florida $351 million to create a high-risk pool program that will insure Florida's sick residents. The federal government has given Florida a fund to establish health centers in medically underserved areas. Funding had also bee provided to further the education of doctors, nurses and other health care providers who work in Florida's medically underserved areas. Because of the new health law, Florida could now choose to receive Federal Medicaid funding for coverage for all low-income populations, irrespective of age, disability, or family status.

"Vista Health Solutions" www.nyhealthinsurer.com Tel (888)215-4045 Email info@nyhealthinsurer.com