How To Find Affordable Health Insurance In Florida For Those Under 65

We can assist you with health insurance, dental, vision, life, disability and long-term care policies. Our offices are open 7 days a week during open enrollment, staffed from 8:00 a.m. - 8:00 p.m. We are also happy to come to your residence if you prefer a home consultation.

Finding affordable health insurance can seem complicated, but there are several strategies you can use to make the process easier:

1. Use the Health Insurance Marketplace: Open enrollment is from November 1st – January 15th, 2025.

The federal marketplace (HealthCare.gov) and offer many plans, and you may qualify for tax credits based on household income. Four out of five customers on HealthCare.gov were able to find plans for $100 or less per month after subsidies​.

2. Compare Plans: Use comparison tools to examine different plans and their costs. Consider premiums, deductibles, co-pays, and out-of-pocket maximums to find a plan that fits your needs and budget.

3. Check for Medicaid or CHIP: If your income is below a certain level, you might qualify for Medicaid or the Children’s Health Insurance Program (CHIP), which offer low-cost or free health insurance.

4. Look into Short-Term Plans: Short-term health insurance plans are generally lower costs, but they often offer limited coverage. They can be a great option if you need coverage in between other plans.

5. Explore Health Care Sharing Plans: These plans have much lower premiums and deductibles, and flexible networks. Great solution for those not eligible for tax credits.

6. Consider Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs): If you choose a high-deductible health plan, you might be able to use an HSA or FSA to save on taxes and cover some medical expenses with pre-tax dollars.

7. Consult a Broker: Insurance brokers can help you understand your options and find a plan that fits your needs. They can also help you with the application process, and their services are often free.

8. Review Your Needs Regularly: Your health insurance needs might change, so it’s a good idea to review your plan annually or whenever your situation changes to ensure you’re still getting the best coverage at the best price.

Providing you a health insurance checklist to make sure you and your family are covered!

___ Get a Base Health Plan at an affordable rate

___ Life insurance - if you are a primary breadwinner supporting others– you should consider life insurance for your dependents. Term life is very affordable and there are plans for all budgets.

___ Dental and Vision – lots of options available. Plans now cover implants.

____ Self employed? It is highly recommended that you consider a disability policy (very inexpensive). Ask yourself how long can you and your family survive if income stopped: 3 months? 6 months? Your ability to earn income IS your greatest asset.

Working with a health insurance broker offers numerous advantages, ensuring that you make the best possible decision for your health coverage needs. Here are several reasons why it’s beneficial to work with a broker:

Expertise:
Brokers understand the complexities of health insurance, including the latest changes and regulations. They can explain the plan options and the coverage details, premiums, deductibles, and out-of-pocket costs .

Finding the best plan for you and your budget:
Brokers have access to all insurance plans from various carriers, allowing them to compare and find the best plan for your needs. We consider your preferred doctors and hospitals, as well as individual health concerns. Brokers will also identify subsidies, tax credits, and other cost-savings. We will also find the best price for your medications.

Easy Enrollment Process
Brokers complete all paperwork making sure that your application is accurate and submitted on time.

Claims and Support:
Brokers help with claims and advocate on your behalf with the insurance company.

Free of Charge
No Additional Cost: Brokers are compensated by the carriers so our services and counsel are free to consumers.

In summary, working with a health insurance broker provides expertise, access to all plans, cost savings, claims support, and is free of charge. This makes them an invaluable resource for anyone looking to navigate the complexities of health insurance.

Carol Foley, Licensed Insurance Agent and Medicare Specialist
Main Line Benefits Co.
1985 South Ocean Drive, Hallandale Beach, Florida 33009
610-639-5616
www.mlbenefitsco.com