Individual Florida Health Insurance

If you live in the state of Florida and are trying to secure an individual policy, you have several options. There are quality plans of affordable health insurance Florida licensed agents are able to offer.

You may decide to obtain a routine care policy. This type of plan could be an excellent choice for individuals or families who are in relatively good health and generally see a doctor for well visits and preventative care, along with seeking treatment for the occasional minor illness.

Usually this type of plan will set a maximum benefit payout amount per year to cover unexpected medical issues. With a routine care policy, you get good medical coverage without having to pay for benefits you will likely not use.

Another choice for affordable health insurance Florida residents may obtain is basic hospital and surgical coverage.

These policies provide for the more catastrophic expenses that often put individuals and families into terrible financial difficulty. Some of the costs that may be covered under this type of plan are the room and board for a hospital stay for a predetermined length of time or up to a set cost limit.

The basic hospital and surgical plan may be a good option for younger consumers who are healthy and do not need to take any costly prescription drugs.

Policies offered by licensed agents can be adapted to be more affordable health insurance Florida residents will appreciate. By increasing the deductible amount and raising the co-insurance rate, the price of the premium will go down.

This is because the consumer is taking on more of a risk in bearing the cost of possible medical expenses.

With many of the low cost plans offered in Florida, it may be a good idea to add the option of a health savings account (HSA). The HSA allows the consumer to spend tax-free dollars on healthcare expenses.

There are also other favorable tax consequences in using an HSA as a supplement to a qualified insurance policy.

For those residents between the ages of 19 and 64 who have been unable to obtain health insurance for a period of at least six months, the state offers the Cover Florida plan.

There are a limited number of companies that are eligible providers of this type of affordable health insurance Florida residents may secure.

To be able to procure a policy under the Cover Florida plan, the consumer must not be eligible for other types of public health care coverage.

Blue Cross Blue Shield of Florida Health Plans