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An overview of health insurance in Florida

An overview of health insurance in Florida

An overview of health insurance in Florida


Residents looking for health insurance Florida have a variety of options to choose from. They could either buy an individual policy or access health insurance at work. The medical policy could either be a government sponsored one or could be bought from the hundreds of health insurance companies operating in the state.

Apart from the federal and state sponsored health programs like Medicare, Medicaid and CHIP, residents in Florida can also purchase their health policies from private carriers. The various types of health plans that are available in the state are:

1. Individual health insurance An overview of health insurance in Florida


2. Family plans

3. Group insurance

4. Student medical policies

5. Short term health insurance

Health insurance Florida will become more lucrative and affordable when the Affordable Care Act is implemented completely. The following are the major changes that will be brought about by the Act:

- Children under the age of 19 and with pre-existing medical condition will no longer be denied coverage.

- Adults in Florida with a medical history will be able to access affordable coverage through a federal high risk pool of $351 million

- There will be no lifetime limits anymore ensuring that 8.8 million Floridians do not have to worry about their coverage running out.

- Unmarried children in Florida can now stay in their parents' health plans till they turn 26.

- Tax credits will be offered to individuals applying for medical insurance and to the 290,000 small businesses in Florida that will offer health cover at work to their employees.

- Medicaid will see increased funding to accommodate more residents from the low-income bracket in Florida.

Though there are several low cost and affordable health insurance Florida options available, the cheapest way still is to get medically covered at work. Group insurance is cheap as more number of people are covered and a part of the premium is paid by the employer. There is no fear of individual applications getting rejected in a group plan and accessing group insurance entitles the residents to a number of added benefits.

However, the biggest drawback is that a group health plan is designed so as to meet the average health needs of the people in general. Specific medical requirements are not met. The one size fits all' health plan is not a good idea if the individual in question needs certain specific healthcare services. In such a scenario, it is better if he chooses an individual medical policy over group coverage. The costs may be a little higher but he will be assured that his medical needs are taken care of.

Group medical policies are a great way to save costs, but has certain medical needs that an average regular plan does not cover, then the resident in Florida should opt for an individual health policy.
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An overview of health insurance in Florida