Compare Florida Health Insurance Quotes

The Affordable Care Act (aka Obamacare) created what’s called Minimum Essential Coverage. These plans can be found both on the Federal Marketplace.

The plans all fall into certain metal tiers: Bronze, Silver, Gold and Platinum. Each offers a varying amount of coverage with differing out of pocket exposure. Bronze plans will be the least expensive and have larger out of pocket costs for the insured.

Federal law prohibits discounting, so you will not find less expensive rates anywhere else on the Internet. That is to say, rates will be the same no matter your source. With our independent agency you are enrolling direct with the carrier of your choice.

Insurance companies offering Marketplace plans in FL in 2020-21 are:  Ambetter from Sunshine Health, Cigna Healthcare, Florida Blue (Blue Cross & Blue Shield FL), Florida Health Care Plans, Health First, Humana, Molina, Bright Health, and Oscar.

Many of these On-Exchange plans are expanding into new counties for 2021. Considering most plans are HMOs, it’s wise to make sure your most important doctors and hospitals are in network before enrolling.

Considering the cost and network limitations of some Marketplace plans, some consumers are purchasing short term health insurance for longer periods of time. These plans are much less expensive in some cases and help cover catastrophic or major incidents. Insurance companies offer plans now that can cover years at a time.

These policies are not right for everyone, however. They are medically underwritten, don’t cover many preexisting conditions, and don’t offer maternity coverage. Typically our younger and healthier clients on few or no prescriptions purchase this coverage.

We work with several carriers who offer short term plans. Florida Blue, National General (uses the Aetna and Cigna networks) and United Healthcare are most popular. And since short term plans still offer PPO networks, you have more places you can receive care.

More and more, short term plans look like policies did before the advent of the Affordable Care Act. They are not right for everyone, but do provide catastrophic coverage at much lower rates than what you might see on the Marketplace.

By law, all ACA compliant health insurance plans offered today will cover maternity expenses. Out of pocket expenses will differ based on the coverage of the plan you select. A Bronze Plan will offer less coverage than a Gold Plan for instance. Deductibles and coinsurance amounts will determine your out of pocket costs.

There are certain open enrollment windows to be aware of so it is wise to speak with an agent to make sure your coverage is effective when you need it most. If you miss your open enrollment window, you will have to wait until November to enroll in coverage that will begin January 1st of the next year.

If you are experiencing a Qualifying Life Event, you can purchase a Marketplace plan outside of Open Enrollment that covers maternity. You might qualify if you’re involuntarily losing group or individual coverage because of a job change or because you moved from a different state.

Our carriers have agreements with many of the top doctors and health care facilities in Florida. This way you will have several choices when it comes to your health care needs. If you have a particular doctor you would like to keep, we can help you find a plan with that provider in-network.

Staying in network will provide you with the best negotiated prices for medical services. When travelling outside of the state, some carriers will offer better coverage than others. A PPO is always stronger than an HMO when travelling. Al plans must cover emergencies, however.

Some of our customers prefer HMO plans while others desire PPO coverage. We will work with you to find the plans that best suit your needs and budget. We understand that networks are an important part of health coverage.

Our clients also like Health Savings Accounts coupled with high deductible health plans. They’re popular as they are some of the most affordable options available. Funds deposited into HSAs are tax deductible, grow tax-deferred, and when withdrawn for qualified medical expenses are tax free. The accumulated funds always belong to the you, not the insurance company – even if the policy is later cancelled.

HSA funds can be used to meet your deductible and coinsurance obligations, pay for prescriptions or doctor’s visit, and even some dental and vision procedures. Once the deductible has been reached with an HSA qualified plan, typically the policy will cover all services as outlined in the policy at 100%.

It is important to understand that all health savings account qualified plans will (by law) cover preventive care without copay before the deductible has been reached. However, you will be responsible for most other out-of-pocket expenses (at the negotiated network rate) before any other medical expenses will be covered.

HSA type plans can only be purchased on the Federal Marketplace. No short term coverage qualifies for HSAs with the I.R.S.