Florida Health Insurance (FL)
Florida Health Insurance (FL)
All is not sunny in the Sunshine State. According to the Kaiser Family Foundation's estimates, 21% of the state's nearly 4 million residents are uninsured. That's a lot higher than the national average of 16%.* Are you one of them? Learn more about health insurance today and make sure you and your family are fully protected!
Individual Health Insurance in Florida (FL)
In applications for individual health insurance, the companies can turn you down for medical problems. You will be eligible for a conversion policy if your insurance was dropped after having it for more than three months and if you have all the qualifications. When you are HIPAA eligible and do not qualify for a conversion policy, you are guaranteed an individual policy from a private insurer. For pre-existing conditions, you can encounter an exclusion period of no more than two years; the insurance company may also write a special rider to exclude the condition altogether. There are no limitations in Florida on the price of an individual health policy. However, due to illness, your insurance cannot be cancelled.
Florida Self-Employed Health Insurance (FL)
Florida allows the self-employed to buy health insurance as a group of one under a group policy, if the sole worker can prove his/her business generates the proper tax forms. Associations that allow members to buy group health insurance should be checked with the Florida Department of Insurance.
Florida Department of Insurance
200 East Gaines Street, Suite 531
Tallahassee, FL 32399
(850) 413-3100
(800) 342-2762
www.fldfs.com
Florida State Insurance Programs (FL)
There is a Medicaid program in Florida, as well as Kidcare and several other programs for lower income families.
Florida Group Health Insurance (FL)
When you are eligible for group insurance in Florida, insurance companies cannot deny health insurance due to health problems. There may be a waiting period for health coverage when you start a new job. HMOs can also require a waiting period which they call an affiliation period. For pre-existing conditions, the insurance company can only look back six months into your medical history. If you have a pre-existing condition, coverage can be excluded for no more than 12 months. If you have had prior group coverage continuously, with no breaks of more than 63 days, you can apply for continuous coverage credit.
Florida Small Business Health Insurance (FL)
Small group health insurance is guaranteed for small businesses with 50 employees or fewer. At the time of renewal, the premium price can rise due to the illness of an employee in the health insurance group.
