Florida individual health insurance refers to individual health insurance plans offered by Florida health insurance companies for Florida residents. Individual health insurance is an ideal option for those whose employer does not provide health coverage, or if you or your dependents are not adequately covered under this group policy. Under the individual health care plan, the insurance company offers health care protection for a single person or family.

Today, there are several individual health insurance providers in Florida who offer various health insurance schemes. There are mainly two types of individual health insurance policies in Florida: major medical insurance and disability insurance. Major medical insurance offers broad coverage for most types of injuries and illnesses, although coverage for some conditions is excluded. Disability insurance, sometimes called income replacement, provides coverage during the period when you are unable to work due to a disability, such as a serious illness or injury.

Individual health insurance policies are generally more expensive compared to group insurance. But that doesn’t mean it can’t be affordable. Buying a policy that specifies your Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO) will help you get services at a lower price and lower deductibles. You can also save on individual health insurance costs by taking advantage of government-sponsored services like Medicaid, Medicare, and those for children, women, and teens.

One can directly apply for an individual health insurance policy from a Florida individual health insurance company. In most cases, the insurance company will provide you with a questionnaire to complete, with several questions about your current and past health history. After determining your risk, the company will set a premium.