- TALK TO A REAL PERSON 800.587.DEMO
- CHAT WITH A REAL PERSONCHAT NOW
- FIND YOUR PLAN
- Individual
- Family
- Short Term
- qualified
- non-qualified
- STATES
- Alabama
- Alaska
- Arizona
- Arkansas
- Delaware
- District of Columbia
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Michigan
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- West Virginia
- Wisconsin
- Wyoming
- LEARNING CENTER
- TALK TO A REAL PERSON 800.587.DEMO
- CHAT WITH A REAL PERSONCHAT NOW
Florida leads with the highest number of people, with nearly 1.7 million residents enrolled in the Affordable Care Act plans. Beyond these primary plans, there are also options like short-term and other insurance coverages.
But remember, each state, including Florida, has its own insurance guidelines, influencing coverage costs, requirements, and the options available. So before choosing a plan, we recommend checking Florida's specific health insurance options and terms.
Cheap Full Coverage Health Insurance in Florida
Like many states, Florida uses a federally-run health marketplace. This means that residents who choose qualified insurance have to register each year to renew their policy. Residents also have the option to choose from a variety of non-qualified plans at a lower cost.
Here are the major differences between qualified and non-qualified plans:
Qualified plans adhere to the Affordable Care Act (ACA) standards, ensuring coverage for the ten Essential Health Benefits. These benefits guarantee coverage for individuals regardless of age, gender, or lifestyle choices.
On the other hand, Non-qualified plans might not fulfill all federal criteria. However, they're notably more affordable and come with a range of coverage options.
On the other hand, Non-qualified plans might not fulfill all federal criteria. However, they're notably more affordable and come with a range of coverage options.
To better understand what is best for you, learn more about the Florida health insurance marketplace through AHiX.
Florida Health Insurance Expenses
Until 2017, federal law mandated everyone to have health insurance or face a fine. When they revoked this law, states individually chose whether to enforce it. Florida currently doesn't enforce this, so residents can choose to go uninsured. However, with medical costs being a top cause of U.S. debt, having insurance can crucially prevent financial crises during emergencies.
Health care plans cover your medical expenses up to a specific limit. After reaching that limit, the insurer manages the rest. The type of insurance you select will affect your monthly premiums and coverage types.
After choosing your insurer, you can choose the type of coverage you want:
While these plan types don't alter the care you get, they do influence your out-of-pocket costs. Bronze plans will have lower monthly premiums, whereas platinum plans are among the most expensive premiums in the country. And, when buying coverage, you could either cover yourself or you and your dependents.
Bronze
40% out of pocket and 60% insurer pays
Silver
30% out of pocket and 70% insurer pays
Gold
20% out of pocket and 80% insurer pays
Platinum
10% out of pocket and 90% insurer pays
Although these plan types don't change the kind of care you receive, they do affect how much youpay directly out of pocket. Bronze plans will have lower monthly premiums, whereas platinumplans are among the most expensive premiums in the country. And, when buying coverage, you couldeither cover yourself or you and your dependents.
Florida Health Insurance Plans for Individuals
Individual health insurance is a type of coverage you can purchase for yourself, making it perfect for single adults without children. These plans offer flexibility, letting married couples choose joint or individual coverage. You can Buy optimal health coverage in Florida from qualified companies, public marketplaces, your job, or programs like Medicare and Medicaid.
In Florida, many people opt for qualified health coverage, with typical premium costs as follows: (Age 40, Zip code 32789):
Single adult
$611
Married Couple
$1,588
These plans cover the Essential Health Benefits, meaning they are among the most expensiveoptions in the nation. If you're looking for cheapest health insurance plans in Florida, you can also explore a range of non-qualified plans.
Florida Health Insurance Plans for Family
Family health insurance is ideal for families with children. These plans are generally more expensive, but they do cover everybody under a single policy. Just like individual plans, you can buy family coverage through qualified companies, the Florida marketplace, or from your job.
Under qualified plans, you can expect the average monthly premium costs to be: (Age 40, Zip code 32789)
A married couple with two children
$1,954
A married couple with three children
$2,319
Social programs like Medicare and Medicaid usually don't include dependents, except in rare cases, making them less suitable for families. If you don't qualify for a government subsidy and a qualified plan seems pricey, you might think about non-qualified plans. These plans are cheaper but still offer substantial coverage for the whole family.
Florida Short-Term Health Plans
Short term health insurance plans are temporary policies designed for individuals and families that do not have insurance. In Florida, Temp Health Insurance Plans last up to 364 days and have a renewal option of three more years.
They are typically ideal for people in specific situations, such as:
- People who are in between employers
- Young adults who have been removed from their parents’ healthcare plans
- People waiting for a policy to take effect
Recently, Florida decided to follow federal regulation duration rules. Florida law now caps the exclusion of pre-existing conditions in short-term health plans to 24 months. Additionally, insurers are unable to look back further than 24 months for evidence of a pre-existing condition. Meanwhile, Florida's short-term health plans in the AHiX Marketplace offer a favorable 12-month look-back period.
Besthealth insurance companies in Florida for 2024
In 2024, Aetna takes the lead in Florida's cheap health insurance landscape, with a remarkable 0%denial rate and affordable monthly premiums. Aetna offers a variety of Silver HMO plans,primarily covering in-network providers.
Additionally, other insurance companies shine in specific areas. Oscar Insurance offers EPOplans. Health First caters to young adults. Florida Health Care Plans, an independent licenseeof the Blue Cross Blue Shield, provides reliable POS plans. These options empower Floridaresidents to choose insurance coverage without concerns
BestHealth Insurance for Low-Income Florida Residents
Understanding the role of household income is crucial for low-income individuals looking for thebest health insurance. ACA plans, including gold and platinum plans, provide income-basedsubsidies, which can significantly reduce monthly premiums, potentially to $0/month. Foreligible Florida residents with incomes below 250% of the Federal Poverty Level (FPL), silverplans stand out. These plans lower for post-treatment healthcare, making silver plans anexcellent choice for those with limited income in Florida
Benefits of Buying Comprehensive health plans in Florida
Individual Healthcare plans inthe Florida Marketplace
Private health insurance provides individuals with diverse coverage options throughthe ACA marketplace plans. These plans ensure access to essential medical servicestailored to fit various health needs and budgets. By choosing private insurance inthe Florida marketplace, you ensure quality medical services for both routine careand unforeseen health emergencies. With the assistance of brokers like AHiX, theseoptions become easier to navigate and enroll in.
Medicaid in Florida
Medicaid offers healthcare at no cost or at a reduced price to those who qualify.This includes individuals with low income, pregnant women, people with disabilities,and children whose parents or guardians have low income. This coverage includesessential medical expenses without a monthly fee, such as doctor visits,prescriptions, and preventive
Medicare in Florida
In Florida, Medicare is a federal health insurance program for individuals aged 65and older or those meeting specific requirements. It covers hospital stays,prescription drugs, and essential healthcare services, with costs managed throughpremiums.
Medicare Supplement Plans in Florida for 2024, separate from standard Medicare, fillcoverage gaps like co-payments and deductibles. Offered by private insurancecompanies, these plans provide choices to match your healthcare needs and budget in2024.
FloridaSmall Business Health Insurance
Florida employers often offer health benefits to draw and keep top talent. Small business healthinsurance offers adaptable solutions for diverse company sizes. Opting for group healthplan in FL enhances employee loyalty and brings potential tax benefits. This approachpromotes a healthier, dedicated workforce, setting the foundation for ongoing business success.
Cheapest health insurance plan by county
The affordability of health insurance plans can fluctuate from one county to anotherinFlorida. If you're looking at Blue Cross Blue Shield (BCBS) options, they providecoverage throughout the state. The least expensive HMO options for a 35-year-oldfemalein 2024 include:
- Miami-Dade County: Expect a monthly premium of $352.81.
- Leon County: The price for a nearly identical plan is $339.17.
Remember to conduct thorough research on local options to ensure you're getting thebestrates tailored to your needs.
Finding Affordable Health Insurance Coverage in Florida
When can I shop for healthinsurance on the Florida Health Insurance Exchange?
Florida's open enrollment window typically spans from November 1 to December 15th. There has also been a 30 day extension to January 15th in recent years. Thekey date to remember is December 15, 2024, the deadline for securing coveragestarting on January 1, 2025. Additionally, Florida residents can obtain healthinsurance outside of open enrollment due to life events like marriage or relocation.You need to use life events within 60 days; otherwise, your only choice will beshort-term plans, available year-round.
How do I take advantage ofcost-sharing reductions and tax credits for health insurance in Florida?
In Florida, taking advantage of cost-sharing reductions and premium tax credits forhealth insurance is easier than you might think. Start by enrolling in a silverplan. When you do this, eligible individuals will automatically receive reducedcost-sharing charges, meaning benefits like lower deductibles and copayments.
Are you unsure about your eligibility? AHiX provides assistance to ensure you takefull advantage of cost-sharing reductions and make informed health insurancechoices.
Frequently asked questions
How to get Health Insurance in Florida?
In Florida, you can use the Federal Marketplace orbrokers like AHiX to get health insurance. You can also enroll inshort-term plans at any time. They can last up to 364 days, andindividuals can renew them for up to 3 years.
Is Health Insurance Required in Florida 2024
How Much is Health Insurance in Florida Per Month?
What Type of Health Insurance Marketplace Does Florida Utilize?
What is the Best Health Insurance in Florida?
How do I Qualify for Medicaid in Florida?
When is Open Enrollment for Health Insurance?
How to Get Free Health Insurance in Florida?
Looking to Purchase Best FL Health Insurance?
We understand it can be overwhelming, especially when you're looking for enough coverage that fits your budget. The good news is that AHiX Marketplace is an accessible exchange that does the work for you. You can easily review a variety of options, both qualified and non-qualified plans, including dental and vision coverage if needed. If you're unsure where to start, our licensed specialists are here to make recommendations based on your needs and budget.
