Family and Individual
Florida Health Insurance
Family and Individual Florida Health Insurance plans are best for those who do not have the option to enroll in an employer sponsored plan OR for those who have employer sponsored plans but find that the cost of adding family members is too high. Ask us why!
Your options for Florida health insurance plans consist of two basic types of Managed Care: HMO insurance plans and PPO insurance plans. Most insurance plans will fall into one of these two categories. Indemnity insurance plans are also available but they are simply too expensive. If you are interested let us know and we will include those health insurance quotes as well. There are several health insurance companies (in-state and out-of-state) offering major medical health insurance in Florida. For a complete list visit The Florida Department of Financial Services and search for "individual policies (HIPAA)",or contact us and we will email it to you.
As you are reviewing the different types of Florida health insurance plans you may start to think they look the same. Believe me when I tell you...they are not the same. In order to bring the premiums down, some of the Florida health insurance companies either remove coverage or offer benefits "a-la-carte". If you are not sure or confused, get a second opinion, call us and we'll help you. You can also get side-by-side comparisons of most of the Florida health insurance providers by getting an instant online Florida health insurance quote, just click here.
The following links will give you a general idea of the types of Florida health insurance plans that are available to you. Please refer to the product specific benefit summary or speak to us before making your decision as to which Florida health insurance plan to purchase. This is just to be sure you understand exactly what you are buying and why.
For product specific Florida health insurance provider information authorized by the carrier get an instant online Florida health insurance quote. Then click on corresponding Florida health insurance carriers to view the official health insurance plan descriptions. We will also send them to you upon your request, just contact us.
Choose a Florida HMO when it is more important to you to have low co-payments and you are willing to work with the system and only use their healthcare providers. For more information on Florida HMO's click here.
Choose a Florida PPO when it is more important to you to have a wide selection of network providers and/or out-of-network coverage. For more information on Florida PPO's click here.
Choose a Florida HSA (PPO) when you want to reduce the net cost of your Florida health insurance. By buying a qualified high deductible health plan and taking advantage of the tax deductions permitted by the IRS for having a qualified high deductible health plan you will be able to:
- Subsantially lower the net cost of your Florida health insurance premiums.
- Maintain comprehensive medical coverage.
- Have a large selection of healthcare providers, both in and out of network.
- Build a savings account for future medical expenses and/or retirement.
- Pay for a wide range of qualified medical expenses with pre-tax dollars. Click here to view the IRS's list qualified expenses.
For more information on Florida health savings accounts click here.
Choose a Short Term plan when you need coverage for less than 12 months or are waiting to be eligible for your employer sponsored plan.