Florida Health Insurance
As a resident of Florida, you have plenty of Florida health insurance options to choose from. There are multiple insurance companies in Florida that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Florida. See some of the state’s top health insurance companies and read about the important Florida health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Florida health insurance programs.
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If you would like to get free quotes and compare Florida health insurance plans now, start with our simple form on the right.
Resources on this page
Florida Health Insurance Companies
Health Insurance Laws and Regulations in Florida
Public Health Insurance Programs for Florida Residents
Contact Info for the Florida Office of Insurance Regulation and Department of Health
The following list of companies offer health insurance plans in Florida:
Celtic Health Insurance
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Golden Rule Health Insurance
Golden Rule Insurance Company serves almost 50 million Americans, providing affordable and customized health insurance plans.
Humana Health Insurance
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
Time Insurance Health Insurance
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Insurers Administrative Corporation Health Insurance
Started in 1978, IAC offers management services to large companies who self-insure.
World Insurance - Brokerage Health Insurance
World Insurance - Brokerage is a leading provider of affordable health insurance options. Their plans provide comprehensive coverage and access to an extensive network of doctors and hospitals.
Vista Health Insurance
Vista Health Plans serves more than 600,000 residents of Florida with affordable health insurance options. Vista's plans give members access to an extensive statewide network of care providers.
John Alden Health Insurance
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
AETNA Health Insurance
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
WorldIns - ExpressMed Health Insurance
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Avalon Healthcare Health Insurance
Avalon Healthcare is a leading health insurance provider in Florida. They provide consumer-directed health plans for both individuals and businesses.
MEGA Life and Health Insurance Company
At The MEGA Life and Health Insurance Company, the focus is on personalizing a health plan that meets your needs.
Florida Health Insurance Laws and Regulations
Health insurance plans are regulated mostly on a state-to-state basis. This is an overview of a few of the laws and regulations for Florida health insurance.
In the Sunshine State, residents have guaranteed access to Florida health insurance coverage in certain situations. You cannot be denied coverage if:
- You were diagnosed with breast cancer and completed treatment more than two years prior
- You were fully covered by a group health plan for at least 3 months
- You are HIPAA-eligible
- You move out of an insurance company's service area and are looking for a new plan
Also, small groups of 1 to 50 people are guaranteed acceptance to a Florida health insurance plan.
The federal law COBRA (Consolidated Omnibus Reconciliation Act) gives any Florida resident the right to continue group health insurance coverage if he or she leave a job that provided group coverage.
Florida health insurance law also requires all health plans cover certain medical services. Those services are:
- Screening for breast cancer
- Care for some diabetes-related conditions
- Continuity of care for pregnant women
- Vaccinations for children
Florida health insurance plans must also set the same coverage limits and maximums for mental health conditions as they do physical health conditions which is known as mental health parity.
Florida Public Health Insurance Programs
These Florida health insurance programs are designed to provide coverage for low-income residents:
- Medicaid
The Florida Medicaid program offers some low-income adults and children with health insurance coverage. Families who have high medical bills may also qualify for Medicaid in Florida. Visit http://www.fdhc.state.fl.us/Medicaid/index.shtml for more information. - Florida KidCare
Florida children in families who do not qualify for Medicaid, but cannot afford private coverage, may be eligible for the Florida KidCare program. Currently, any child in a family earning less than 200 percent of the federal poverty level qualifies. Visit Florida KidCare online for more info. - Mary Brogan Breast and Cervical Cancer Program
The Mary Brogan program provides some women in Florida with screening for breast and cervical cancer. If diagnosed with breast or cervical cancer, eligible women can receive full health insurance coverage though Medicaid. To learn more about this Florida health insurance program, visit their website.
Under the Federal Health Coverage Tax Credit, some Florida residents may qualify for financial assistance from the federal government. Visit the Internal Revenue Service (IRS) online to learn more.
You can also find out if you qualify for other Florida health insurance programs at http://ahca.myflorida.com/.
Florida Office of Insurance Regulation and Department of Health
Find the contact information for the Florida health insurance and health departments at:
Florida Office of Insurance Regulation
200 East Gaines Street
Tallahassee, Florida 32399-0305
Phone: (850) 413-3140
http://www.floir.com/
Florida Department of Health
2585 Merchants Row Boulevard
Tallahassee, FL 32399
Phone: (850) 245-4444
http://www.doh.state.fl.us/
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