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Florida leads with the highest number of people, with nearly 1.7 million residents enrolled in the Affordable Care Act plans. Beyond these primary plans, there are also options like short-term and other insurance coverages.
But remember, each state, including Florida, has its own insurance guidelines, influencing coverage costs, requirements, and the options available. So before choosing a plan, we recommend checking Florida's specific health insurance options and terms.
Like many states, Florida uses a federally-run health marketplace. This means that residents who choose qualified insurance have to register each year to renew their policy. Residents also have the option to choose from a variety of non-qualified plans at a lower cost.
Here are the major differences between qualified and non-qualified plans:
Qualified plans adhere to the Affordable Care Act (ACA) standards, ensuring coverage for the ten Essential Health Benefits. These benefits guarantee coverage for individuals regardless of age, gender, or lifestyle choices.
On the other hand, Non-qualified plans might not fulfill all federal criteria. However, they're notably more affordable and come with a range of coverage options.
On the other hand, Non-qualified plans might not fulfill all federal criteria. However, they're notably more affordable and come with a range of coverage options.
To better understand what is best for you, learn more about the Florida health insurance marketplace through AHiX.
Up until 2019, it was a federal law to require an individual mandate in each state. An individual mandate is mandatory enforcement for all citizens to enroll in health insurance to avoid a fine. When the mandate was federally abolished, states could then decide whether they wanted to enforce it. Currently, Florida does not enforce this, meaning that residents have the option to go uninsured. However, medical costs are the leading cause of debt and bankruptcy in the United States, and having health coverage is one of the best ways to avoid debt in the event of an emergency.
Health insurance policies are designed to help you pay for your medical costs up to a certain point before your insurer takes over the rest. The type of insurance you select will affect your monthly premiums and coverage types.
After choosing your insurer, you can choose the type of coverage you want:
40% out of pocket and 60% insurer pays
30% out of pocket and 70% insurer pays
20% out of pocket and 80% insurer pays
10% out of pocket and 90% insurer pays
Although these plan types don't change the kind of care you receive, they do affect how much you pay directly out of pocket. Bronze plans will have lower monthly premiums, whereas platinum plans are among the most expensive premiums in the country. And, when buying coverage, you could either cover yourself or you and your dependents.
Individual health insurance is a type of coverage you can purchase for yourself. This is ideal for single adults who do not have any children. These plans have some flexibility and allow married couples to be covered jointly or individually. You can purchase Florida health insurance through qualified insurers, a private exchange, the public marketplace, through your employer, or apply for social program coverage like Medicare or under the new Medicaid expansion.
In Florida, most citizens chose qualified coverage as their healthcare plan, with average premium costs around these figures:(Age 40, Zip code 32789):
Single adult
Married Couple
These plans cover the Essential Health Benefits, meaning they are among the most expensive options in the nation. If you are searching for affordable health insurance in Florida, you also have the option to choose from a variety of non-qualified plans.
Family health insurance is ideal for families with children. These plans are generally more expensive, but they do cover everybody under a single policy. As with the individual programs, you can purchase a family plan through a qualified insurer, the Florida health insurance marketplace, or your employer.
Under qualified plans, you can expect the average monthly premium costs to be: (Age 40, Zip code 32789)
A married couple with one child
A married couple with two children
A married couple with three children
Social programs like Medicare and Medicaid don’t cover dependents except for special circumstances, so these programs are not a viable option for families. If you don't qualify for a government subsidy, and the full cost of an qualified plan is too expensive, then you might want to consider non-qualified plans. These plans are cheaper but still offer substantial coverage for the whole family. These plans are cheaper but still offer substantial coverage for the whole family.
They are typically ideal for people in specific situations, such as:
Recently, Florida decided to follow federal regulation duration rules. Under the new rule, Florida law states that short term health plans cannot exclude pre-existing conditions for more than 24 months. Insurers are also unable to look back further than 24 months for evidence of a pre-existing condition. The Florida short term health plans offered in the AHiX Marketplace have a more advantageous look back of 12 months.
Selecting the right health insurance plan for you and your family can make all the difference between meeting your budget and ensuring that you have adequate coverage—but finding best health insurance plans in Florida that works best can be overwhelming.
The good news is that AHiX Marketplace is an accessible exchange that does the work for you. There, you can browse through a variety of qualified and non-qualified plans and select what’s best for your budget and needs. Find the right plan today.