Navigating Florida's Medical Insurance Landscape: A Comprehensive Guide For Residents

If you're looking for medical insurance in Florida, you have options. Sunshine Health offers low-cost health insurance, Medicaid and Medicare. UnitedHealthcare also offers individual and family health insurance plans on the Affordable Care Act (ACA) Marketplace. Florida Blue offers affordable health plan options with payments as low as $0/month.

Affordable Care Act (ACA) insurance

The Affordable Care Act (ACA) is a comprehensive health insurance reform law that was enacted in March 2010. It was also known as healthcare reform and was signed into law on March 23rd, 2010. The ACA increases health insurance coverage for the uninsured and implements reforms to the health insurance market. It amends the Public Health Service Act of 1944 and inserts new provisions on affordable care into Title 42 of the United States Code.

Under the ACA, patients who may have been uninsured due to pre-existing conditions or limited finances can secure affordable health plans through the health insurance marketplace in their state. The ACA requires you and your dependents to have healthcare coverage. If you purchased coverage from the Health Insurance Marketplace, you may be eligible for the Premium Tax Credit. The ACA also includes requirements for employers regarding healthcare coverage. The size and structure of your workforce determine your responsibility.

The ACA provides consumers with subsidies (the premium tax credit) that lower costs for households with incomes between 100% and 400% of the Federal Poverty Level (FPL). If your income is above 400% FPL, you may still qualify for the premium tax credit.

You can get Affordable Care Act (ACA) insurance through Sunshine Health, UnitedHealthcare, and Florida Blue. Sunshine Health offers plans for low-cost health insurance, Medicaid, and Medicare. UnitedHealthcare offers ACA Marketplace plans that provide affordable, reliable coverage options. Florida Blue offers health insurance plans for individuals and families with payments as low as $0/month if you qualify.

To get ACA insurance, you can explore health insurance plans for a range of ages, healthcare needs, and budgets. You can also search for network doctors, dentists, mental health providers, and more through the provider directory. Additionally, you can find a Florida healthcare plan that works for you and submit applications any time.

Medicaid and Medicare

Sunshine Health offers Medicaid and Medicare plans. Sunshine Health Mindful Pathways Plan is designed for people living with serious mental illness. To enrol, you must be eligible for Florida Medicaid and be diagnosed with, or in treatment for, a serious mental illness. Sunshine Health Power to Thrive Plan is designed for people living with Human Immunodeficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS).

UnitedHealthcare offers Medicare and Medicaid plans. Hospital insurance is underwritten by Golden Rule Insurance Company and pays cash benefits in a fixed amount for qualifying hospital stays and related medical costs.

Florida Blue offers affordable health plan options with payments as low as $0/month if you qualify. Get coverage that pays for more of your medical costs, like $0 deductible plans — plus $0 copays when you choose a Value Choice Provider.

Health ProtectorGuard fixed indemnity insurance, underwritten by Golden Rule Insurance Company, can ease cost concerns by paying set benefits for covered medical services, like doctor visits, prescriptions and more. Applications are available to submit any time, plus you can keep your coverage year after year.

UnitedHealthcare Individual & Family ACA Marketplace plans offer affordable, reliable coverage options from UnitedHealthcare of Florida, Inc. As part of the American Rescue Plan Act of 2021 and Inflation Reduction Act of 2022, many individuals and families are now eligible for lower — or in some cases $0 — monthly premiums for ACA Marketplace health coverage.

Fixed indemnity insurance

Fixed-indemnity insurance is a type of supplemental health plan that gives you a fixed cash benefit payout in case you experience specific illnesses or injuries covered by your policy. For some consumers, a fixed-indemnity insurance plan is a helpful add-on to a major medical health insurance plan, as it helps cover out-of-pocket costs for medical expenses they expect to incur during the year. Fixed indemnity insurance is a supplemental health insurance that can help you to manage out-of-pocket costs. These plans can provide an extra layer of protection in the event of serious injury or illness by paying you a set amount of cash benefits for specific covered medical expenses you incur.

A fixed indemnity plan, like Health ProtectorGuard, underwritten by Golden Rule Insurance Company, can help you deal with unplanned expenses. A Health ProtectorGuard hospital and doctor fixed indemnity insurance plan pays you or your provider a preset — or fixed — amount of money for specific, covered medical services.

There is no deductible, coinsurance, or copayment applicable to benefits the fixed indemnity plan covers. The reimbursement rate is fixed and typically sent to the insured and not to the provider of service. Some fixed indemnity plans may look like ACA-compliant major medical plans on the surface and offer an array of covered services. However, unlike ACA-compliant major medical plans, fixed indemnity plans do not cap out-of-pocket costs, since the amount that the insurance will pay is predetermined (based on the terms of the policy) and is based on coverage factors, such as the type of surgery you had.

ACA Marketplace health coverage

If you are looking for individual or family health insurance in Florida, you can find options for Affordable Care Act (ACA) insurance or another type of individual insurance plan. You can get medical insurance in Florida through Sunshine Health or UnitedHealthcare. Sunshine Health offers plans for low-cost health insurance, Medicaid, and Medicare. UnitedHealthcare offers ACA Marketplace plans that offer affordable, reliable coverage options from UnitedHealthcare of Florida, Inc.

UnitedHealthcare offers health insurance plans for a range of ages, healthcare needs, and budgets, including Medicare and Medicaid plans. Supplemental plans can help you get coverage for care and services that aren't covered by your medical plan. You can also access a wide network of doctors, clinics, healthcare professionals, and pharmacies.

Sunshine Health offers the Mindful Pathways Plan for people living with serious mental illness. This plan offers integrated medical and behavioral health services that address whole health. The Care Managers understand the unique challenges members with serious mental illness face and help them coordinate needed care and connect members to social support services. To enroll in this plan, you must be eligible for Florida Medicaid and be diagnosed with or in treatment for a serious mental illness.

If you are looking for health care plans on the Affordable Care Act (ACA) Marketplace, you can also check out UnitedHealthcare Individual & Family ACA Marketplace plans. These plans offer affordable, reliable coverage options from UnitedHealthcare of Florida, Inc. As part of the American Rescue Plan Act of 2021 and Inflation Reduction Act of 2022, many individuals and families are now eligible for lower or in some cases $0 monthly premiums for ACA Marketplace health coverage.

You can also check out Florida Blue for health insurance plans for individuals and families. They offer affordable health plan options with payments as low as $0/month if you qualify. You can get coverage that pays for more of your medical costs, like $0 deductible plans and $0 copays when you choose a Value Choice Provider.

Supplemental plans

Sunshine Health offers Medicaid and Medicare plans. UnitedHealthcare offers ACA Marketplace plans. Florida Blue offers affordable health plan options with payments as low as $0/month if you qualify.

Sunshine Health Mindful Pathways Plan is designed for people living with serious mental illness. Sunshine Health Power to Thrive Plan is designed for people living with Human Immunodeficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS).

Hospital insurance underwritten by Golden Rule Insurance Company pays cash benefits in a fixed amount for qualifying hospital stays and related medical costs.

Health ProtectorGuard fixed indemnity insurance, underwritten by Golden Rule Insurance Company, can ease cost concerns by paying set benefits for covered medical services, like doctor visits, prescriptions and more.

Frequently asked questions