HEALTH INSURANCE FLORIDA

Individual Plans for Consumers: FAQ

Every health insurance Florida consumer has the right to "shop" their insurance.  When a nagging voice in the back of your head suggests "Look elsewhere," take heed. You may find an individual plan that exceeds your expectations. Below we answer some commonly asked questions regarding individual plans.

Q: How do I know if an individual plan is better for me?

A:  Shop around.  If you are a reasonably healthy individual, it shouldn't be difficult to find a variety of carriers willing to offer you coverage.  Keep in mind that itýs never a good idea to exchange superior coverage for inferior coverage that costs less.  Look at all the facets of the plan, and decide whether it adequately protects you.

Q: Why is there such a difference in price between individual and group premiums?

A: When you elect to become a participant in a health insurance Florida group plan, you are lumped into anemployee population, for better or for worse.  Add dependents to your plan, and it will likely jump significantly in price. When you choose an individual plan, your availability to find coverage is based on your personal health history.

Q: I have few health risks.  Can I expect a lower premium with an individual plan?

A: Yes.  Although exceptions do occur, it is practical to assume that you will find a lower premium and similar benefits.

Q: How do I shop for an individual plan?

A: Fill out our online form, and we'll get back to you shortly with a list of pre-qualified quotes from A-rated carriers like Aetna, Humana and United.

Contact Allegiance Financial today at (813) 837-5363.