An Overview of Health Insurance Coverage for Individuals in Florida

The first thing you should do when shopping around for health insurance in
Florida is to compare prices and services – this can be done quickly and easily
on-line. Make sure you compare the range of services offered, as well as the
deductible amount.

Florida is one of the fastest growing markets in the United States as far as the
choices for health insurance are concerned, with well over 500 insurance
providers. The central Florida and Orlando areas with their rapidly growing
populations and the large numbers of retirees help contribute to this picture.

Unfortunately, the Sunshine State is one of the most expensive states when it
comes to the cost of health insurance. During the past few years, there have
been some recent trends to lower the overall costs – many companies have
reported fewer claims from their employees.

There are no limits in Florida to the amount that a health insurance company is
allowed to charge for a policy – although your policy cannot be cancelled by the
company due to illness or worsening of condition. All group health plans in
Florida also have to limit the exclusion of a pre-existing condition.

Florida is one of the most innovative states when it comes to health insurance,
and those who can’t afford it. Levy County in central Florida area is also one
of a few counties in the state participating in a program aimed at people who
can’t afford health insurance. The program offered by a local pharmacy gives
free enrollment and a substantial discount on prescriptions to those who
normally wouldn’t be able to afford to participate.

The state’s comprehensive Medicaid program also provides free health coverage
for people who qualify such as the elderly, disabled and pregnant women.

Florida also has a program known as the Kidcare program which provides essential
health insurance to children under 18 who otherwise would not have health
insurance. Generally speaking, you are eligible for Kidcare if your earnings are
significantly below nationwide poverty levels.