40% of Floridians get their health insurance through their employer. If you’re not getting your comprehensive health insurance this way, you are most likely shopping around the different types of health insurance plans for you and your family.
Sorting through plans and computing out of pocket costs is time-consuming and confusing.
Are you a Florida resident looking for an affordable healthcare plan? Keep reading to learn how to find the perfect-for-you health insurance in Florida.
A Guide to Finding Health Insurance in Florida
When trying to obtain optimal health, a good insurance plan is vital. Finding the right plan is a complicated process, so doing your research is a good idea. Let’s take a look at the steps to take to when choosing a plan.
Shopping for Your Own Plan
If you’re not using a company as your marketplace for your health insurance, you need to use the government insurance exchanges or marketplaces. This means people whose job does not provide health insurance or people who want to choose an alternative to what the company offers.
This is likely to cost more because most employers pay part of their employees’ insurance premiums.
Start by going to HealthCare.gov. Florida residents enroll through this federal exchange. Some states have a public marketplace. If you are unsure, enter your zip code and you will be redirected to your state’s exchange if applicable or stay with the federal marketplace.
Another option is to purchase coverage through a private insurer or private exchange. These options take away your eligibility for premium tax credits or discounts on your monthly insurance premiums.
Comparing Plans and Benefits
PPOs, HMOs, EPOs, POS plans…which one is right for you? Look at the out-of-pocket costs and which doctors you can see for each plan. Some allow you to use almost any doctor. Some charge more to go out of network.
Also, look at the summary of benefits each one provides. Some provide coverage for mental health care and physical therapy. Some might provide better prescription drug coverage. Determine which plan better fits your particular needs.
To further complicate things, there are different categories: Bronze, Silver, Gold, and Platinum. With each category, the more you pay in premiums, the less you pay when you need care and vice versa.
Pay Attention to Enrollment Deadlines
Open enrollment for the federal exchange begins on November 1 and runs until mid-December. Some states have extended deadlines due to COVID-19. As of right now, Florida is not one of them.
Looking for a medicare supplement plan? MedicareWire helps you quickly compare Medicare Supplement Plans in the state of Florida.
Now that you know how to choose affordable health insurance in Florida, you’ll have the peace of mind comprehensive health insurance gives you. Use the resources out there to clear up the confusion so closely associated with health insurance choices.
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