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Compare Florida Health Insurance Quotes

Our independent agency provides health insurance in Florida to individuals and families. We offer plans direct from carriers such as Aetna, Anthem Blue Cross & Blue Shield, Humana, United Healthcare and others.

We serve all of FL and can help you stay compliant with the Affordable Care Act. We have placed online quoting and enrollment software below where you can enroll direct – at no additional cost. We can help with enrollment both on and off the federal exchange.

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Florida United Healthcare Insurance Quotes

United Health One

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  • Affordable Monthly Rates
  • Short Term Health Insurance
  • Health Savings Accounts
  • Optional Dental & Vision Coverage
  • Large Nationwide Network

Humana Health Insurance Plans


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  • Very Competitively Priced
  • Health Savings Accounts
  • Individual & Family Plans
  • Stand Alone Dental Coverage
  • Stand Alone Vision Insurance

Aetna Health Insurance Quotes


View Aetna Quotes →

  • Preventive Care Options
  • Health Savings Accounts
  • Nationwide Network
  • Add-On Dental Coverage
  • Value and Comprehensive Plans

Florida Health Insurance Quotes, Coverages and Enrollment

Health Insurance Coverage

In order to be compliant with the Affordable Care Act (aka Obamacare) you will need to have insurance that meets the standards of Minimum Essential Coverage. These plans can be found both on and off the federal exchange -depending on whether your income qualifies you for a tax credit.

The plans all fall into certain metal tiers: Bronze, Silver, Gold and Platinum. Each offers a varying amount of coverage with differing out of pocket exposure. Bronze plans will be the least expensive and have larger out of pocket costs for the insured.

Federal law prohibits discounting, so you will not find less expensive rates anywhere else on the Internet. That is to say, rates will be the same no matter your source. With our independent agency you are enrolling direct with the carrier of your choice.

Maternity Health Insurance Coverage In Florida

By law, all ACA compliant health insurance plans offered today will cover maternity expenses. Out of pocket expenses will differ based on the coverage of the plan you select. A Bronze Plan will offer less coverage than a Gold Plan for instance. Deductibles and coinsurance amounts will determine your out of pocket costs.

There are certain open enrollment windows to be aware of so it is wise to speak with an agent to make sure your coverage is effective when you need it most. If you miss your open enrollment window, you will have to wait until the fall to enroll in coverage that will begin January 1st of the next year unless you have experienced a qualifying life event.

Short Term Health Insurance Plans To Fill Gaps

We work with several carriers that offer short term plans to help fill gaps in coverage. You might need a plan for 3 months to fill a gap before group coverage becomes available. Or maybe you missed the Open Enrollment window and would like to have something to cover catastrophic costs should they be encountered. We can help.

It’s important to note that short term health insurance plans in Florida will not be ACA compliant. In other words, they will not avoid the penalty for not having coverage. But they will fill gaps – and newer plans will offer some prescription coverage and doctor’s office copays. Enrollment will usually require some amount of medical underwriting, however.

Nationwide Insurance Networks: HMO And PPO Options

Our carriers have agreements with many of the top doctors and health care facilities in Florida. This way you will have several choices when it comes to your health care needs. If you have a particular doctor you would like to keep, we can help you find a plan with that provider in network.

Staying in network will provide you with the best negotiated prices for medical services. Additionally, when travelling outside of the state, all carriers will have agreements with large, nationwide networks so that your insurance will travel with you.

Some of our customers prefer HMO plans while others desire PPO coverage. We will work with you to find the plans that best suit your needs and budget. We understand that networks are an important part of health coverage.

High Deductible Health Savings Account Qualified Plans

Health savings accounts coupled with high deductible health plan are a popular as they are some of the most affordable options available today. Funds deposited into HSAs are tax deductible, grow tax-deferred, and when withdrawn for qualified medical expenses are tax free. The accumulated funds always belong to the you, not the insurance company – even if the policy is later cancelled.

HSA funds can be used to meet your deductible and coinsurance obligations, pay for prescriptions or doctor’s visit, and even some dental and vision procedures. Once the deductible has been reached with an HSA qualified plan, typically the policy will cover all services as outlined in the policy at 100%.

It is important to understand that all health savings account qualified plans will (by law) cover preventive care without copay before the deductible has been reached. However, you will be responsible for most other out-of-pocket expenses (at the negotiated network rate) before any other medical expenses will be covered.

Request Quotes, Information And Enrollment Assistance

Our independent health insurance brokers are here to help. Using our links above, you can view quotes from several companies side by side in order to find health insurance coverage in Florida that best fits your needs.