HEALTH. LIFE. COVERED
Individual Health Insurance Plans in Florida
Whether you’re self-employed, between jobs, recently graduated, or not eligible for employer coverage, Florida Marketplace plans can help you get quality healthcare and financial protection.
You may also qualify for financial assistance that can lower your monthly premium. We’ll help you compare available options and enroll with confidence.
Who Are Individual Health Insurance Plans For?
Individual health insurance plans are designed for Floridians who need coverage outside of an employer-sponsored health plan.
They may be a good option for self-employed individuals, freelancers, independent contractors, people between jobs, early retirees, and young adults aging off a parent’s plan.
What Does Individual Health Insurance Cover?
Doctor visits and preventive care
Emergency and hospital services
Prescription medications
Mental
health services
Maternity and
newborn care
What Should You Look for in an Individual Plan?
Monthly Cost
Consider your monthly premium after any available financial assistance.
Doctors & Hospitals
Make sure your preferred providers participate in the plan’s network.
Prescription Coverage
Check your medications against the plan’s formulary and drug tiers.
Out-of-Pocket Costs
Compare deductibles, copays, coinsurance, and the out-of-pocket maximum.
Expected Healthcare
Consider how frequently you expect to use healthcare throughout the year.
How Individual Marketplace Coverage Works
Check Insurance Eligibility
Confirm whether you’re eligible to enroll in Marketplace health coverage.
See If You Qualify for Savings
Check whether your household may qualify for ACA financial assistance.
Compare Available Plans
Compare premiums, deductibles, networks, prescriptions, and plan benefits.
Choose the Right Coverage
Select the plan that best fits your healthcare needs and budget.
Complete Your Enrollment
Finalize your enrollment and confirm when your coverage begins.
Get Help Choosing Your Individual Plan
SFLA Insurance can help you compare available Florida Marketplace options based on your budget, doctors, prescriptions, and coverage needs so you can make an informed decision.
Helpful Individual Health Insurance Resources
Frequently Asked Questions: Individual Health Insurance in Florida
Individual health insurance may be a good option if you’re self-employed, between jobs, an independent contractor, retiring before Medicare eligibility, or otherwise don’t have access to suitable employer-sponsored coverage.
Costs vary based on factors such as your age, location, household income, household size, and the plan you select. ACA financial assistance may significantly reduce your monthly premium if you qualify.
Yes. Self-employed Floridians can purchase ACA Marketplace coverage and may qualify for premium tax credits based on household income and other eligibility requirements.
Possibly. Certain qualifying life events, such as losing health coverage, getting married, having a baby, or moving, may allow you to enroll through a Special Enrollment Period.
ACA-compliant plans cover essential health benefits such as preventive care, emergency services, hospitalization, prescription drugs, mental health services, and maternity care.
It depends on the plan’s provider network. Check whether your doctors, specialists, and preferred hospitals participate in the specific plan before enrolling.
Yes. ACA-compliant Marketplace plans cannot deny coverage or charge you more because of a pre-existing health condition.
You may qualify for premium tax credits based on factors including household income, household size, and access to other qualifying coverage. Your eligibility should be checked before comparing final plan costs.
Compare the monthly premium, deductible, copays, coinsurance, out-of-pocket maximum, provider network, and prescription coverage. The lowest-premium plan is not always the lowest-cost option overall.
