If you’re an individual residing in Florida and are looking for insurance coverage it’s very likely that you’re probably quite confused as to what your options are or even how recent federal policies will have affect you. Needless to say, Obama’s “Affordable Care Act” is in full swing and individuals are mandated to sign up, but there are always other options of course. For instance, if you would rather avoid registering you can elect to pay the annualized fine (generally less than $100), however this does very little to nothing to help cover you in the event that you need urgent medical care. It is advised that you take the time to sign up for some type of insurance policy, even it only pertains to catastrophic types of coverage (emergency care, etc.)
About the affordable care act
Most people will likely visit the Health Insurance Marketplace to learn about the affordable care act and/or sign up. It only takes around 30 minutes to an hour to fill out the associated forms, and your standard personal information (social security number, employer details, etc.) should be enough to get you through the sign up process easily. Of course, it’s very possible that you might quality for some type of benefit, tax deduction or subsidy which will ultimately help to lower your costs when getting health insurance for individuals in Florida. The various exchange plans which have been offered were designed to get rid of the many loopholes which have allowed insurance providers to deny coverage to lots of people, usually due to pre-existing conditions and so forth. While the deadline for 2014 enrollment has already passed, there are still ways to avoid penalties if you act immediately.
For those who don’t qualify for any type of subsidy which might allow one to lower their yearly costs, there’s always the private marketplace. This is essentially a list of plans which have been rated (1 – 5 star) based on their level of coverage / cost. Naturally, those which feature decreased benefits and/or less extensive coverage will generally be cheaper than their more comprehensive counterparts (and even this depends largely on your personal situation, of course).
Which Florida private insurance providers are best?
Again, the bottom line cost of your insurance will be calculated through comparing and contrasting a lot of information along with what specific types of coverage you require, so there are distinct price fluctuations to be mindful of. However, there are more than a few reputable and oft-touted companies which seem to receive lots of personal praise within the state of Florida, they are:
- AvMed Health Plans
- Coventry Health Care
- Coventry Health Plan of Florida
- Florida Blue
- Health First Insurance
- Humana Health Insurance Co. of Florida
- And many more…
If you want to make things easier when looking for health insurance in Florida, it is recommended that you begin by researching insurance providers which are designated to be “participating companies” (with the new legislation). Not only will this save you lots of time but it will also ensure that receive the very best care possible for your needs.