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Florida Health Insurance

Health insurance is now usually available in two categories: individual and group.
Individual insurance is generally for those who are self-employed, or are employed by a business house that does not have a health plan, or who maintain a family and want individual insurance for family members. When you purchase an individual health insurance plan, you must pay an annual premium as well as a deductible for each insured dependent, up to a base amount. If you buy a group policy, you are required to pay a yearly premium, co-payments payable at each medical service, and a deductible payable before insurance begins making payment for your valid medical bills.

In Florida, the insurance companies can reject your application for individual health insurance if you have a health problem. You will qualify for a conversion policy if your insurance was dropped after having it for over 90 days and if you possess all the qualifications. If you are HIPAA eligible and not eligible for a conversion policy, you are guaranteed an individual policy from a private insurance company. If you have pre-existing conditions, you can face an exclusion period not exceeding two years. The company may even write a special rider to exclude the condition altogether. The State of Florida imposes no limitations on the price of an individual health policy. Your insurance, however, cannot be cancelled because of illness.

If you qualify for group insurance in Florida, insurance companies cannot turn down your health insurance because of health problems. In the case of you joining a new employer, there may be a waiting period for health coverage. HMOs can also need a waiting period which is known as affiliation period. If you have pre-existing conditions, your insurer can only review the preceding six months of your medical history. In the case of you having a pre-existing condition, coverage can be excluded for no more than one year. If you have had continuous, unbroken prior group coverage of over 63 days, you qualify for continuous coverage credit.

Florida guarantees small group health insurance for small businesses with staff strength of 50 or less. During policy renewal, the premium price can go up if a group member falls ill. In Florida, a self-employed person is allowed to purchase health insurance as a group of one under a group policy, if he/she can prove that his/her business generates the proper tax forms. Florida has a Medicaid program, as well as Kidcare and several other programs for families with lower incomes.

You should do a proper research before choosing the right health insurance quotes for you. However, it makes lot of sense to appoint professional health insurance agents and brokers who can be of great help in this regard with their valuable experience and expertise.

Some leading health insurance providers in Florida are Aetna, Assurant Health (formerly Fortis), Blue Cross and Blue Shield of Florida, Celtic, Golden Rule, Humana and VISTA Healthplan.


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Official Florida Goverment Sites with Health Insurance Information

Health Insurance: A Guide for Consumers - PDF document published by the Florida Department fo Financial Services, 44 pages.

Health Insurance Guide for Families and Individuals - At, part of

The Florida Department of Health - The official site for the State of Florida.

Florida Kid Care -- State program to help children under 19 get health insurance coverage through MediKids, Healthy Kids, Children's Medical Services or Medicaid for Children.

Florida Department of Health Services – Official government Web site for department responsible for health care services for Floridans.


Health Care and Medical Insurance Issues - Florida Challenges

  • When families leave the welfare rolls to go to work, they are likely to end up in low-wage jobs that do not offer health insurance. From - Clouds Over the Sunshine State


Health insurance can be purchased in these Florida Counties : Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Charlotte, Citrus, Clay, Collier, Columbia, Dade, De Soto,Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Glades, Gulf, Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Indian River, Jackson, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Liberty, Madison, Manatee, Marion, Martin, Monroe, Nassau, Okaloosa, Okeechobee, Orange, Osceloa, Palm Beach, Pasco, Pinellas, Polk, Putnam, St. Johns, St. Lucie, Santa Rosa, Sarasota, Seminole, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla, Walton and Washington.

Health insurance can be purchased in these Florida Counties : Alachua, Altamonte Springs, Anna Maria, Apalachicola, Apopka, Arcadia, Archer, Atlantic Beach, Atlantis, Auburndale, Aventura, Avon Park, Bartow, Bay Lake, Belleair Beach, Belleair Bluffs, Belle Glade, Belle Isle, Belleview, Blountstown, Boca Raton, Bonifay, Bonita Springs, Bowling Green, Boynton Beach, Bradenton, Bradenton Beach, Bristol, Brooksville, Bunnell, Bushnell, Callaway, Cape Canaveral, Cape Coral, Carrabelle, Casselberry, Cedar Key, Center Hill, Chattahoochee, Chiefland, Chipley, Clearwater, Clermont, Clewiston, Cocoa, Cocoa Beach, Coconut Creek, Coleman, Cooper City, Coral Gables, Coral Springs, Crescent City, Crestview, Crystal River, Cutler Bay, Dade City, Dania Beach, Davenport, Daytona Beach, Daytona Beach Shores, DeBary, Deerfield Beach, De Funiak Springs, DeLand, Delray Beach, Deltona, Destin, Dunedin, Dunnellon, Eagle Lake, Edgewater, Edgewood, Eustis, Everglades, Fanning Springs, Fellsmere, Fernandina Beach, Flagler Beach, Florida City, Fort Lauderdale, Fort Meade, Fort Myers, Fort Pierce, Fort Walton Beach, Freeport, Frostproof, Fruitland Park, Gainesville, Graceville, Greenacres, Green Cove Springs, Gretna, Groveland, Gulf Breeze, Gulfport, Haines City, Hallandale Beach, Hampton, Hawthorne, Hialeah, Hialeah Gardens, High Springs, Holly Hill, Hollywood, Holmes Beach, Homestead, Indian Harbour Beach, Indian Rocks Beach, Inverness, Islandia, Jacksonville, Jacksonville Beach, Jacob City, Jasper, Key Colony Beach, Keystone Heights, Key West, Kissimmee, La Belle, Lake Alfred, Lake Buena Vista, Lake Butler, Lake City, Lake Helen, Lakeland, Lake Mary, Lake Wales, Lake Worth, Largo, Lauderdale Lakes, Lauderhill, Laurel Hill, Lawtey, Layton, Leesburg, Lighthouse Point, Live Oak, Longwood, Lynn Haven, Macclenny, Madeira Beach, Madison, Maitland, Marathon, Marco Island, Margate, Marianna, Mary Esther, Mascotte, Melbourne, Mexico Beach, Miami, Miami Beach, Miami Gardens, Miami Springs, Midway, Milton, Minneola, Miramar, Monticello, Moore Haven, Mount Dora, Mulberry, Naples, Neptune Beach, Newberry, New Port Richey, New Smyrna Beach, Niceville, North Bay Village, North Lauderdale, North Miami, North Miami Beach, North Port, Oak Hill, Oakland, Oakland Park, Ocala, Ocoee, Okeechobee, Oldsmar, Opa-locka, Orange City, Orlando, Ormond Beach, Oviedo, Pahokee, Palatka, Palm Bay, Palm Beach Gardens, Palm Coast, Palmetto, Panama City, Panama City Beach, Parker, Parkland, Pembroke Pines, Pensacola, Perry, Pinellas Park, Plantation, Plant City, Pompano Beach, Port Orange, Port Richey, Port St. Joe, Port St. Lucie, Punta Gorda, Quincy, Riviera Beach, Rockledge, Safety Harbor, St. Augustine, St. Augustine Beach, St. Cloud, St. Marks, St. Pete Beach, St. Petersburg, San Antonio, Sanford, Sanibel, Sarasota, Satellite Beach, Sebastian, Sebring, Seminole, Sopchoppy, South Bay, South Daytona, South Miami, South Pasadena, Springfield, Starke, Stuart, Sunny Isles Beach, Sunrise, Sweetwater, Tallahassee, Tamarac, Tampa, Tarpon Springs, Tavares, Temple Terrace, Titusville, Treasure Island, Trenton, Umatilla, Valparaiso, Venice, Vernon, Vero Beach, Waldo, Wauchula, Webster, Weeki Wachee, West Melbourne, West Miami, West Park, Weston, West Palm Beach, Wewahitchka, Wildwood, Williston, Wilton Manors, Winter Garden, Winter Haven, Winter Park, Winter Springs and Zephyrhills.



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