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How to get a Cheap Florida Health Insurance Quote

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It’s never been more important to have quality insurance coverage.  With premiums going up and the need for quality insurance being proven across the board and in a variety of different fields, what once seemed to many like an option or even an unattainable luxury has quickly become an absolute necessity.

This is all the more true in the age of Obamacare.  Love it or hate it, health insurance and the new reform policies have brought the need for finding good, affordable coverage to the center stage of state and national attention.  Healthcare is one of the largest industries in the United States.  As such, there is a great deal involved in the buying and selling of health insurance.  However, the degree of

  1. WHAT IS A QUOTE? Before we get started, we need to first clear up what a health insurance quote is.  Simply put, a quote is an estimate taken by an insurance agency that assesses your degree of liability with regards to your health plan.  This is an important stage in the process of actually securing quality health insurance.
  2. WHY DO I NEED ONE? One of the quickest things you’ll learn about the insurance industry is the importance of having a good estimate, or quote.  Insurance is all about risk assessment, and being able to get the best plans and coverage for you.  After all, insurance plans are supposed to help you plan for different contingencies—as such, it’s important to get health plans that are both applicable to you and affordable.  There are many different health insurance options out there, and you want to make sure that you find the best option for you.  What’s more, you want to find an option that’s affordable—as previously stated, health insurance can be highly expensive, and so you want to be sure […]
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Florida Health Insurance Quotes

Florida Health Insurance

Florida Health Insurance customers observed a broad range of improvements, as the population explodes with immigrants and those whom simply want a part of tropic paradise. Employers are really initiating to deliver people more choices than ever with the advent of the Health Benefits Account.

The state has additionally become more interested inside the betterment of health insurance for Floridians. Governor Jeb Bush possess recently tripled funds for minority wellness, that will add three point six million to state programs intended to help improve the health of minorities. The funds are going to be utilized in 3 main areas: HIV prevention, sickle mobile anemia analysis and additionally protection, and refugee wellness. In addition, funds will be provided to avoid some other health care problems revolving around cardio illness, diabetic issues, cancer tumors and also childhood disease.

With the new organize, lifetime the highest possible benefits would additionally be increased and additionally prescription drug coverage added. In addition, Florida’s high-risk beach could be re-opened. The high-risk pool ended up being created so as available coverage to even those whose condition or perhaps disease avoided them from having the ability to get wellness insurance additional way.

Because lawmakers work hard to help improve the health of Florida occupants, along with the economy goes to support such growth, individuals who have picked the Sunlight government could carry on to see the good influence.

Fill out our form and receive a free online Florida health insurance quote today.

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Take an in-depth look at private health insurance in Florida

According to the United States Census, nearly 25 percent of Florida residents under the age of 65 do not currently carry health insurance.

Quite simply, it’s a shocking statistic and an overwhelming issue that has plagued Florida, and the entire nation, for decades. Many people who haven’t carried insurance in the past might be employed, but simply cannot afford to pay the monthly premiums.

Of those people who do not carry private health insurance in Florida, many are considered working families or young adults who don’t see a need to spend their hard-earned money on health insurance as they are young and healthy and they simply don’t anticipate needing it.

Private health insurance takes away the “what if”

This couldn’t be further from the truth. Carrying even the minimum catastrophic coverage could mean the difference between financial stability or financial ruin. Even a minor vehicle accident, which may or may not be your fault, can cause long-term damages to your body that require on-going physical therapy and could possibly take months or even years to recover from.

Efforts to ensure every American has access to health insurance led to the Affordable Care Act, otherwise known as ObamaCare. As of March 31, Americans were mandated to enroll in one of numerous Exchange Plans offered, or face a stiff penalty at tax time.

Those individuals or families meeting certain income and other qualifying factors could possibly qualify for government subsidies to obtain lower insurance premiums, in addition to claiming an annual tax credit.  Millions of people took advantage of this newly created access to health care, yet many still remain uninsured.

Even though you may pay a penalty on your 2014 tax return for not obtaining insurance by the March 31 deadline, there are plenty of options for private health insurance Florida […]

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What’s the best health insurance in Florida?

I’ve seen the options! But what’s the best health insurance in Florida?

The bill comes in the mail, and you’re suddenly thrown into a whirlwind of anxiety and worry. Medical and hospital bills can decimate a family, and lead to a bankruptcy filing or even the loss of their home.

It’s a situation you never want to find yourself in. Unfortunately, though, many people find themselves in that exact situation because they lack the health care coverage they need to protect them from financial ruin from unexpected medical expenses.

How do I find the best health insurance in Florida?

It’s the question of the year, it seems. With the advent of the Affordable Care Act, millions of Americans were scrambling this year to not only sign up for health care coverage, but to find the best health insurance available for themselves and their families.

The same is true in Florida, where residents of the Sunshine State are offered a variety of plans through the official Obamacare Health Exchange Plans, or dozens of private health insurance brokers and companies.

Determining which one is the best coverage for you can feel like an overwhelming task, but signing up for health care coverage is now an absolute necessity unless you want to be penalized when the tax man cometh.

Which plan works for you?

Florida, like many other states in the nation, now offers several tiers of coverage. The minimum plan of coverage is catastrophic, which can save you or your family from financial ruin if someone suffers a huge medical event that leads to astronomical medical bills. However, signing up for the minimum coverage only can mean important preventative care such as annual mammograms or cancer tests will not be covered.

Lower-tier plans such as bronze or silver are available for people who are in reliatlvey good health and want to pay less money up front in premiums. Again, though, […]

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What to expect from Florida health insurance providers

The Affordable Care Act is something residents of this great nation have been hearing about for the better part of two years.


Essentially, the ACA mandates that all citizens of the United States (with a few exceptions) must have enrolled for health care coverage early in 2014.


Millions of people took to the Internet to examine the different plans available in their state. Many of those people took advantage of now having access to affordable health care coverage, and they quickly signed up.


However, millions of people are still living without some type of health care coverage. Aside from paying what could turn out to be a stiff penalty on your 2014 tax return, you can still sign up for health care coverage and expect to be covered in 2015.


It’s always best to check with a certified professional, or speak to your tax preparer to find out all the rules and regulations surrounding a late sign-up. But primarily speaking, there’s still time to sign up so you can avoid future financial penalties.


The list of Florida health insurance providers is quite expansive, and there are numerous options for residents of the Sunshine State to choose from.

Many of these insurers can be found online by going to, the official site to sign up for Obamacare. At the site, you’ll be able to look at numerous Florida health insurance providers currently listed on the Health Insurance Marketplace.


Before you start the process, give yourself a head start by having all your pertinent information on hand, such as your social security number as well as last year’s W2 or tax return. You will also need to include income from other sources, such as unemployment benefits, pension, alimony or child support.


Can’t […]

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What’s up with Florida Health Insurance?

Wide range of options available for Florida health insurance:

I simply can’t afford it. I’m young, so why would I need health insurance?

It’s too expensive! I don’t even know where to begin.

These are all reasons that Florida residents have previously expressed for not carrying health insurance.

While the process of obtaining Florida health insurance can be a daunting task, it’s truly never been easier to obtain coverage, no matter what age you are or what pre-existing conditions you may have.

Every major health organization and agency in the United States has issued statements and advisories strongly encouraging all citizens to carry health insurance. Those who truly can’t afford comprehensive and all inclusive coverage can opt to carry only catastrophic coverage, which is usually available for a much lower premium.

Didn’t sign up? Expect to pay a penalty

While access to affordable health care coverage has been an ongoing issue for many decades, the Affordable Care Act now mandates that all United States citizens must carry some type of health insurance. There are a few exceptions to the rule, such as religious beliefs and low income levels. But primarily, if you’re a citizen of the United States, you’re now mandated to carry health insurance or pay a penalty.

Those who didn’t sign up for Florida health insurance by the deadline can expect to pay a penalty of $95 for each adult, or 1 percent of their annual income. With the government offering subsidies for those who make a lower annual wage, it’s far less expensive in many cases to pay a monthly premium for Florida health insurance.

In addition, by not carrying some type of insurance, you’re undoubtedly risking what could turn into your family’s financial ruin if you or a family member is involved in a serious car accident, […]

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Understanding Individual Health Insurance Options

The new laws and requirements for health insurance can make the entire process seem confusing.  However, if you take the time to consider your needs properly, you will be able to choose the best health insurance for individuals in Florida.


One important step in finding health insurance is to determine whether you qualify for subsidies.  If you do qualify for them, they will help to reduce your personal costs for monthly premiums, or offer tax credits.  If you qualify for a subsidy, you will need to choose a plan that is approved by both the Florida and federal government.  These plans are designed to make sure that people with existing conditions are able to get the coverage they need.

Private Plans

If you did not qualify for a subsidy, you can opt for private plans.  There are many options for private health insurance for individuals in Florida.  In many cases, private plans may be cheaper than government offered ones, due to the different options available in coverages and benefits.

Why You Need Health Insurance

While health insurance is now a requirement due to Obamacare, there are other reasons for you to consider health insurance for individuals in Florida.  Those who did not sign up for coverage by January 1, 2014 will have to pay a penalty.  This penalty can be either $95 for each adult, or one percent of your annual income depending on which is greater.  These penalties will continue to increase each year until 2016, when they will be 2.5 percent of your annual income, or $695 dollars for each adult.

Beyond the issue of penalties, there are also other reasons for needing health insurance.  This type of insurance will protect you from the exorbitant financial burdens that can result due to a serious illness or accident.  Medical bills resulting from these events can be […]

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How to Choose the Best Health Insurance

If you are looking for the best health insurance in Florida, the sheer number of choices available might overwhelm you.  These tips will help you understand what you need in a health insurance plan, and give you a better understanding of terms like deductible, premiums, copays, and coinsurance.  The proper knowledge will help you get the insurance you need on your current budget, and help you avoid overpaying.

Consider Your Needs

When considering your health insurance Florida options, you need to determine what you actually need your coverage to include.  While there is no way of knowing whether an illness or injury is going to occur, you may already have an idea of what your coverage should include.

If you know you want to start planning a family, you will need to include maternity coverage in your insurance.   You should also consider your family history to determine whether you need coverage that will pay for heart screening, high blood pressure, diabetes, cholesterol, or colon screenings depending on the illnesses that run in your family.  The good news is, insurance plans are required to cover a wide range of preventative services for the entire family.  Just make sure you choose a practitioner that is covered under the health insurance Florida network.

Do Your Homework

If you already have a physician, or specialists that you are comfortable with, you will want to check the provider network of the insurance you are considering.  While you can use out of network providers, you will experience higher costs.  Many insurance companies pay very little or even none of the costs associated with out of network providers.

If you already take certain prescription medications regularly, you will want to verify whether the coverage you are considering covers them.  Not all providers cover all medications, especially […]

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Health Insurance – Why You Need A Plan

Health insurance—you’re probably always hearing something about health insurance, but don’t understand why.


The main thing you need to understand, though, is the fact that people like you and everyone else across the country need some type of health insurance to make sure your medical needs are covered. If you don’t have Florida health insurance, you potentially face having to pay for your medical bills out of pocket—and those costs add up much faster than you would think.


Health insurance, in general, is a type of insurance policy that protects you against accumulating medical expenses. Most health insurance providers, in fact, describe health insurance coverage as insurance coverage that ‘provides for the payments of benefits related to injury and sickness.’


Your standard health insurance policy is essentially a contract between you, as the policyholder, and your insurance company, the insurer. If you are employed, your health insurance will be handled through your company, providing you several available health insurance options for you to choose through company-sanctioned initiatives.


Health insurance, Florida and… you


In Florida, it’s said that at least 3 million people go without health insurance, despite the now available health insurance options on the market.


The state of Florida is actually one of two states with over 100 healthcare plans available for residents living within the state. As of early October (October 1st, 2013), residents were given an ‘average of 102 healthcare plans to choose through federally run online health plan exchanges or marketplaces.’


The online marketplaces, in fact, were apart of the first ‘wave’ of initiatives […]

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Don’t Give Up… On Getting Health Insurance This Winter

Health insurance. It’s a mostly touchy topic in the state of Florida nowadays, especially as many residents continue to have difficulty enrolling in one of many available health insurance plans, as provided by the new healthcare marketplace produced by the Affordable Healthcare Act.


The trouble with enrolling


As soon as the new healthcare measures were enacted early this winter, people were given the opportunity to enroll in new health insurance plans that best fit their income threshold. Although the new marketplace was designed to accommodate this, many people have found themselves instead facing higher health insurance premiums, despite the new laws in place.


Thanks to that, many Floridians probably feel like they’re being backed into the wall. The new healthcare provisions do make a portion of Floridians get inexpensive healthcare, though the majority of Floridians might find themselves with health insurance premiums that cost more than what they used to pay, especially if they fall in a higher income bracket.


So, what should you do? Do you stick with your current healthcare plan or do you find a more inexpensive plan that’s more suited for you and your family’s health needs?


To start, some people in your situation may not need to change their health insurance plan. For others, they may need to change their current health insurance. Many others also need to enroll in a health insurance plan for the first time, and might have difficulties finding the right one.


With the complications surrounding health insurance nowadays, it doesn’t mean that you or anyone else should give up searching for options. It might be difficult to enroll in a health insurance policy online nowadays, but there are other alternative options that can help you out.


The necessity of health insurance today


You […]

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Florida Health Insurance Quotes

Florida Kills Obama-care Medicaid Deal

With many Republicans saying they did not need to expand a “flawed” system, a Senate select committee turned down increasing many Floridians to the Medicaid program under the federal Affordable Care Act.

Senators said they need to look into a different plan that could allocate federal grants to assist uninsured low-income Floridians get coverage via private insurers. The select committee’s vote arrived after a House panel also turned down the Medicaid increase — despite Gov. Rick Scott’s support for the expansion.

“I oppose the Washington plan, and I want a Florida plan,” said Sen. Joe Negron, a Stuart Republican who is chairman of the select committee and offered a different path. “I think we have an opportunity to build a better program than what Washington is trying to force on us.”

The committee turned down the increase in a 7-4 vote. Democrats said the Affordable Care Act, referred to as Obamacare, created an opportunity to assist over a quarter of a million people get health coverage.

“We have a moral and economic responsibility to seize this moment for the good of Floridians,” said Sen. Eleanor Sobel, a Hollywood Democrat and vice-chairwoman of the select committee.

The likelihood of the Republican-dominated Legislature moving forward with the Medicaid expansion was squashed when House Speaker Will Weatherford, R-Wesley Chapel, and a House select committee openly went against it. But senators had not declared a definitive position until the vote.

Weatherford issued a statement giving credit to the Senate move and promising to focus on finding other solutions for offering health insurance to the state’s uninsured. The House speaker, in part, has questioned the future cost to Florida — though the federal government says it will pay all of the increased costs during the first three years.

“I look forward to working with Senate President (Don) Gaetz as we investigate options that will […]

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Florida Health Insurance Quotes

Florida to propose amendment to overturn Obamacare

U.S. Sen. Marco Rubio suggested a constitutional amendment on top of Tuesday intended to undo the necessity under “ObamaCare” that everyone buy insurance beginning in 2014.

The Florida Republican’s recommended amendment might declare that “Congress will make no legislation which imposes a taxation for a troubles to shop for products or services.” He says it would reverse the health-insurance prerequisite and avoid long-term congressional attempts to taxation individuals and also companies for faltering to purchase objects and also services.

Rubio’s initiative – that he calls `Suitable To Turn down Amendment’ — shows his determined opposition to the new legislation and on-going Republican endeavors to undo it, despite a Supreme Courtroom ruling upholding the insurance requirement.

It faces daunting chances because a constitutional amendment demands endorsement by two-thirds of each chambers of Congress plus ratification by three-fourths of the states. For today, it serves as yet another symbolic swipe at just the Reasonably priced Proper care Operate.

“We must place our faith within the American individuals to determine what objects and services they wish to purchase, not have Congress determine it and also experience the IRS energized to harass Americans to ensure they do it,” Rubio stated.

The exact same amendment was actually introduced in the U.S. House by Steven Palazzo, R-Miss.

“Every bit as the IRS possess no business punishing corporations based on political beliefs, the government does not have any company telling individuals how they should invest their hard-earned money,” Palazzo stated.

Rubio mentioned the high courtrooms ruling opens up the doorway to long-term guidelines that could demand people to purchase objects or professional services during the risk of being hit by way of a tax punishment.

Old-fashioned parties which backside the work include Americans for […]

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