Florida has a population of eighteen million people.  About four million of those do not have any health insurance at all.  State laws allow companies that offer Florida health insurance plans to reject applicants if the company feels that it is too great of a risk to insure them.  About fifty-eight percent of the people in Florida are overweight or obese, which will cause most companies to increase the premiums for these people. Florida state laws prohibit a company from canceling coverage if the insured becomes sick or injured.

There are several kinds of Florida health insurance plans:  Group plans, individual plans, and plans that are funded by the state of Florida.  Group plans are taken out by employers to cover the employees.  All of the members of the group have the same exact plan. No one in the group can be denied coverage.  Florida COBRA laws allow an employee who has been terminated to keep the insurance for up to eighteen months after termination, provided that the premiums are paid in full. 

Individual plans are taken out by one person and usually also cover the spouse and children.  Unlike with group plans, individual Florida health insurance plans allow the applicant to choose options, such as the amount of the deductible, the copayment amount, the type of plan and the amount of coverage.  Each option that is chosen affects the premium amount.  Plans that are funded by the state include Medicaid and Florida Kidcare.  Florida Kidcare offers insurance to needy children at a nominal price, usually about fifteen to twenty dollars per month. 

Finding suitable Florida health insurance plans is easily done by using a specialized search engine that will sort through hundreds of Florida plans from many companies so that one is assured of finding the best possible plan at the best possible price.