Affordable Florida Health Insurance
That’s about 21% of the total state population who are uninsured; the 4th highest in the nation.
This guide is designed to help you find affordable Florida Health Insurance coverage even low cost or no cost health care, whatever your situation may be.
Whether you’re employed, unemployed or in between jobs, running a small business with less than 50 employees, self-employed, or pregnant without health care coverage, we’re here to help.
Here you will get unbiased tips on finding the affordable, low cost medical care coverage plan for you, your family and your business that fits your budget. We offer you resources to find private and government-funded Florida health insurance plans.
Please take the time to review this guide and explore all the various Florida Health Insurance plan options available to you.
Affordable Florida Health Insurance for the Unemployed
If you were recently laid off, unemployed or in between jobs, you can access health care coverage using a wide variety of options.
Check out this section to find health insurance options if you’re unemployed. Learn about COBRA and other options to obtaining individual and family healh insurance plans.
In Florida, former employees of small businesses with less than 20 employees have the right to continuation of coverage under COBRA for up to 18 months and up to 29 months in the case of disability.
If you have questions relating to your rights to individual or group health insurance continuation of coverage, you can call the Florida Office of Insurance Regulation at 1-800-342-2762 or visit floir.com.
Check out the Consumer’s Guide to Getting and Keeping Health Insurance in Florida, developed by the Georgetown University. This guide outlines your rights under the federal and state law, as a resident to buy, keep and swith Florida Health Insurance.
Remember, you are entitled to a “free look” period of 10 days when you purchase an individual health insurance policy. You should return the policy by registered or certified mail within the allowed time if you decide not to keep it.
Affordable Florida Health Insurance if You’re Working & Uninsured
If you’re employed but your employer does not provide you with individual or family health insurance, don’t despair. Read the various Florida health insurance options available to you.
In Florida, state law allows health insurance companies to turn people down for individual health insurance coverage based on the status of their health.
Even though you can be turned down for an individual policy in Florida, you can never be turned down for health insurance that is offered through an employer.
There are several affordable, low cost and even no cost health care coverage and plan options available to you through state or federal-funded programs, provided you meet certain eligibility and income requirements. Keep on reading to find out more.
Affordable Self Employed Health Insurance in Florida
Are you a solo entrepreneur? Then, here are the self-employed health insurance options available for you.
In Florida, if you are a self-employed individual and do not have any employees, you are eligible to purchase a small group of one health insurance policy. This is great since you can not be turned down because you have diabetes or any other pre-existing medical condition.
The Florida guaranteed issue small group plans has an open enrollment period only during the month of August, with benefits beginning on October 1st.
Contact the Florida Department of Insurance for more information.The only requirement for self-employed Floridians is to show documentation of running an active business when applying.
You can obtain a self employed health insurance in Florida through insurance companies or HMOs that write group business insurance for groups between 1 and 50 employees.
So if you’re self-employed without health insurance in Florida, this is a great opportunity to get yourself covered.
Florida Maternity Insurance
Look for plans that include maternity coverage. Make sure you compare various plans and review premiums, deductibles and copayments carefully before making decisions.
Check out the maternity insurance section of this site for more tips and information on how to get maternity health insurance if you’re planning a family.
If you’re already pregnant, check out the pregnant without insurance section of this site for advice and tips on where and how to get maternity coverage.
Low Cost Florida Health Insurance
If you can not afford to buy health insurance on your own or through an employer, you may be eligible for federally-funded or state-funded programs, which have income and asset eligibility requirements.
In Florida, these programs include:
Medicaid is a joint federal/state program established in 1965 designed to cover medical services for people with disabilities, people 65 years and older, children and their caretakers, and pregnant women who meet the program’s financial requirements.
It provides reimbursement for and assure the availability of appropriate medical care to persons who meet the criteria for Medicaid.
You can also call your public assistance worker at your local Department of Children & Families Economic Self Sufficiency Office. Click here to locate a DCF Administrative Office in your area.
Florida Kid Health Insurance: Florida KidCare
If your family is not covered through your employer’s group insurance program, you can look into Florida KidCare.
Florida KidCare is the state’s children’s health insurance program for uninsured children under age 19.
The 1998 Florida Legislature created the Florida KidCare Program, which provides health care coverage to children in families with incomes up to 200 percent of the federal poverty level.
Except for Medicaid, most families pay a monthly premium of $15 or $20. It includes four different parts, or programs:
- MediKids: Provides health care coverage for children ages 1 through 4, administered by the Agency for Health Care Administration.
- Florida Healthy Kids: Provides health care coverage for children ages 5 through 18, administered by the Florida Healthy Kids Corporation.
- Children’s Medical Services: A health care plan for children from birth through age 18 with special health care needs, administered by the Department of Health for physical health services and the Department of Children and Family Services for behavioral health.
- Medicaid for Children: Provides medical coverage for children from birth through 18 who qualify for the program’s low-income eligibility requirement. The Agency for Health Care Administration administers the Medicaid program and the Department of Children and Family Services determines eligibility for Medicaid.
If you have questions about Florida KidCare you can visit Floridakidcare.org or call toll free at 1-888-540-5437.
Families with children eligible for the MediKids program can call the toll-free MediKids Choice Counseling call center at 1-877-506-0578 for assistance selecting a managed care provider.