Whether you’re self-employed, a recent graduate, or you or your dependents don’t have group coverage, we can help. CIGNA offers a full range of medical and pharmacy plans to help keep you and your family well.
Florida Health Insurance Quotes
Before applying for individual health insurance in Florida It is Important To Consider These Things:
Prior to Applying
Applying for individual coverage with most Florida Individual Health Insurance Companies is a simple process, but it helps to be prepared. Please review the instructions below.
Note: You can save your application at any point in the process and return later to complete it.
To be considered for coverage:
- Applicant and enrolling spouse must be between the age of 18 and 64 ½ .
- Dependent children of applicant or enrolling spouse must be under age 19, or under 26 if a full-time student. A dependent child under the age of 2 months of age must have had a first well-child exam after release from the hospital.
- For a Child-only policy, a child must be between 2 years and 17 years of age. If more than one child is applying, all children must reside in the same household.
- The Applicants primary residence address must be inside the Individual Health Servicecoverage area at least 6 full months of the year.
- Applicants that are not U.S. Citizens may be considered for coverage if they have been a legal resident of the United States for a minimum of one year and have a valid Resident Alien Card (green card), or unexpired VISA in force through the next 18 months (a copy of the card will be required). A U.S. physicians visit within the past two years is required.
- Individuals, age 55 or older, must have seen a physician within the past two years.
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Stores begin selling health insurance policies
Blue Cross Blue Shield plans to sell health insurance from storefronts as insurers push individual coverage during the recession.
East Coast Health Insurance (that’s us currently offers Florida health insurance at our office right now in Deerfield Beach, Florida. Additionally, we will set an appointment with you to go to your house to offer you one of our eight Florida health insurance companies in person so you don’t have to feel pressure to just buy one company in light of the fact that there is a company for everybody and every family. No two families unless they are the same age in the same zip code will ever choose the same plan as there is so many subtle nuances that we definitely recommend a Florida health insurance broker to help you navigate your purchase and application process.
BY JOHN DORSCHNER
As laid-off workers lose benefits and the nation’s leaders discuss sweeping healthcare reforms, one insurer plans to sell health insurance the same way others market cellphones or iPods — through retail stores.
Blue Cross Blue Shield of Florida, which already had a storefront operation for more than a year in Pembroke Pines, is preparing a major expansion of five to eight new stores around the state, including several in South Florida.
”Health insurance is complicated and we know it,” said Blue Cross spokesman Doug Bartel. “Some people like face-to-face interactions, and that’s what we’re providing.”
Blue Cross and many other insurers are pushing hard on individual health plans, the type sold in the stores, because the recession has caused many to lose employer-based group coverage.
Aetna reports individual plan sales are up 22 percent in Florida for the first six months of 2009. Blue Cross saw an increase of 15 percent in individual policy requests over the past eight months.
Many are opting for less expensive, high-deductible policies.
Aetna’s most popular individual plan this year has a $5,000 deductible. Blue Cross reports its most popular carries a $1,500 deductible, followed by 100 percent coverage. One such policy for a healthy family of four (45-year-old parents, kids 11 and  will cost $920 a month in Miami-Dade and $973 in Broward.
In fact, even before the recession, insurers say this region was crucial for individual plans. ”There’s no secret that South Florida is one of the top individual insurance markets in the country,” said Eric Cormier of Aetna.
The reason: The region has many small companies that don’t provide health benefits.
Still, individual policies have serious limitations. They ”are usually the least cost-effective ways of getting health insurance,” said Ron Pollack, president of Families USA, a Washington-based healthcare consumer advocate.
”Those policies have much higher administrative costs and as a result you get less for your premium dollar that you would with group plans,” Pollack said. “Additionally, individual plans are the ones most likely to discriminate against people with pre-existing health conditions.”
About 15 to 20 percent of an individual premium goes to the broker’s commission, said AvMed Vice President Javier Mendoza. “Some go as high as 25 percent.”
Even so, AvMed’s individual policies has seen ”a good amount of activity” since the Miami-based insurer started marketing them in January.
At present, BCBS rejects 13 percent of individual applications, Humana 15 to 20 percent. Many of these applicants have expensive chronic diseases. ”You can’t insure a house that’s on fire,” said Amy Powers of Humana, “but I don’t think we should be portrayed as always rejecting a sniffling nose.”
For the young and the healthy, individual plans make sense. At the Florida Blue store in Pembroke Pines this week, Edwin and Viviana Rosario came to get a family policy. They talked to a sales rep while their children, 9 and 5, played nearby on a store-provided video game.
”I love the Web, but I wanted the one-on-one,” said Viviana about their trip to the store after she had tried the 1-800 number and the Blue Cross website.
She recently left her job at Sony, which had provided their health coverage, and her husband is a self-employed electrical engineer. They decided on a high-deductible policy to keep their costs down while getting protection from catastrophic illness.
The Pines office, in muted blues and beiges, is designed much like a cellphone store, Bartel said. A concierge greets people at the door. Salesmen have glass-enclosed offices for privacy.
One area has computers on pedestals, so sales reps can show customers how to navigate the Blue Cross website to find providers or check on claims.
”We’re still working out what’s the right mix — service, information, sales,” Bartel said.
Consumers can also check their blood pressure.
The location gets about 50 visitors a day, he said. Near the end of the year, it will be filled with seniors learning details about enrolling in Medicare health maintenance organization plans.
Like most health insurers, Blue Cross is heavily committed to the Web. ”But different people like different ways of getting information, so we’re offering alternatives,” Bartel said.
AvMed has a storefront in Hollywood aimed at Medicare seniors and is considering more retail stores for younger customers. ”The whole industry, especially the individual side, is emerging and evolving, with more options for consumers,” Mendoza said.
Cormier at Aetna said the company is happy working through brokers and doesn’t feel the need for storefronts. Humana has about a dozen Guidance Centers, including one in Tamarac, that are aimed at the Medicare crowd, but sees no need to expand the concept at present.
Many insurers say they are keeping their options because it is uncertain what healthcare reforms will bring.
”We’re ready for anything,” Bartel said.
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The New Health Insurance plans from Aetna are now available and can be viewed at our new website www.floridaaetnaquote.com where we break down all the new plan choices from Aetna who after a lackluster six monthes have shown up on the scene again in South Florida with their very attractive new plans. These plans include the new Florida Open Access plans which are as usual POS or Point of Service Plans and are available with limited prescription coverage and limited office visits which of course translates to limited price! The Aetna plans also include their standard Health Savings Account plans which if you’ve been squirreling away money every month will reward you with a very mediocre interest rate, but at least you won’t be taxed on the income fellas and ladies. Finally for all of the people that just want catastrophic coverage Aetna has their oldies and still great Hospital & Preventative Care Plans which are great as they cover you for all major expenses once you meet that low deductible.
If you are interested in the plans please visit the new site or go to our Florida health insurance site and visit our Aetna page there as well which also includes a round-up of all three POS plans in Florida including Avmed and CIGNA as well, or just cut through the red tape and click on ouru quote button below. Remeber right now Avmed is in South Florida and Miami only so go here for Miami Health Insurance
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 Aetna News Logo EAST COAST HEALTH INSURANCE
Plan for Your Health Can Help Consumers Make Money-Saving Choices During Open Enrollment
HARTFORD, Conn., October 21, 2008 — According to a survey of insured consumers released today by Plan for Your Health, the public education program from Aetna (NYSE: AET) and the Financial Planning Association (FPA), 45 percent of respondents were unaware that they can save money in the coming year by making smart decisions about their health benefits. In these tough economic times, millions of Americans are seeking new ways to reduce household spending, but not enough are taking simple steps like opening a Flexible Spending Account (FSA), using mail-order prescription drug services and tapping into discounts on services like gym memberships.
“For millions of Americans with tighter household budgets this year, fully understanding their options during Open Enrollment will help them make educated, potentially money-saving decisions,” said Laurie Brubaker, head of Integrated Health and Productivity Solutions for Aetna. “During this once a year opportunity to make changes to their health benefits plan, consumers should take the time to review health care spending, and weigh all the available options. By spending some time focusing on health benefits and related expenses, people can make important decisions that can result in savings this year and into the future.”
To help people identify opportunities to save money, Plan for Your Health developed the Be Smart About Your Benefits checklist, located at www.PlanforYourHealth.com, that details five things consumers should think about when evaluating their health benefits at Open Enrollment and throughout the year. By asking the following questions and carefully evaluating the answers, it is possible to make choices that could add up to thousands of dollars of savings:
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Am I being FSA-savvy? Take some time to identify your upcoming expenses and determine a realistic FSA contribution. Since money in an FSA is exempt from federal, most state, and payroll taxes, you’ll reduce your taxable income – and be able to use those pre-tax dollars for health care expenses. For example, a pre-tax $2,000 FSA contribution not only gives you money to spend on qualified health care expenses, but would also result in a tax savings of more than $450 for an individual making $25,000 per year. You also might look into other savings vehicles such as Health Reimbursement Arrangements (HRAs) or Health Savings Accounts (HSAs) to see if they make sense for you and your family.
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Does it pay to be healthy? It could! Some plans completely or partially cover annual physicals and preventive screenings, as well as offer discounts on gym memberships. Some employers even offer “wellness incentives” that can total hundreds of dollars a year for employees who exercise regularly, eat healthfully or participate in stop smoking programs, among other things. See if you can take advantage of any of these offerings – it’s a great way to save money and stay healthy, and they may be available from your employer or health plan at no charge.
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Can my benefits help me save time? Yes! Some insurers offer coverage for online consultations, which are often more convenient than in-person visits for routine health needs. Talk to your doctor or your insurer to find out how to take advantage of online visits. By using them reasonably, you could save gas money and valuable time. Many health insurers also are offering personal health records online that help you track spending, understand what preventive care you might need, and even allow you to coordinate with your doctor’s office.
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Can pharmacy mail-order help me? It can if you take regular prescriptions and sign up for a health plan with discounts on mail-order services for routine prescriptions. With some plans, you could get a three-month supply of your drug but only pay for a two-month prescription. So, if your family spends $50 per month on prescriptions, you could save about $200 per year.
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Should I go generic? The average brand-name prescription drug costs about $85 more than the average generic. If it’s possible, switch from a brand-name to a generic and save more than $1,000 a year.
“Many people think that medical expenses are beyond their control,” said Tracey Baker, co-author of Navigating Your Health Benefits For Dummies, CERTIFIED FINANCIAL PLANNERTM professional and former chair of FPA’s National Capital Area. “However, taking the time to make wise decisions – both at Open Enrollment and in daily life – can result in substantial savings.”
According to the recent Plan for Your Health survey of 1,575 insured adults:
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Only about a quarter (26 percent) of respondents indicated they are likely to make changes to their benefits during Open Enrollment.
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87 percent of respondents are more worried about their finances this year because of the struggling economy, but the majority (59 percent) plan to spend less than one hour, or no time at all, reviewing their health benefits options during Open Enrollment.
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One third of respondents (33 percent) have ordered products like clothing and electronics online to save money, but only 19 percent have taken advantage of a mail-order pharmacy this year.
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Almost all respondents (93 percent) have taken at least one step to save money on general expenses over the past year, including eating out less often (68 percent), clipping coupons (63 percent) and traveling less frequently (56 percent).
Aetna launched the Plan for Your Health campaign in partnership with the Financial Planning Association in September 2004 to help all Americans make smart health benefits and financial planning decisions at every stage of life. The campaign website, www.PlanforYourHealth.com, offers tips, tools and information to help consumers choose, use and get the most value from their health benefits.
About the Survey
These results are based on a survey conducted by the Opinion Research Corporation (ORC) among a sample of 2,187 U.S. adults, comprising 1,046 men and 1,141 women 18 years of age and older. Among these, 1,575 reported having health insurance and therefore qualified to continue the survey.
The ORC online omnibus study is conducted twice a week among a demographically representative U.S. sample of adults 18 years of age and older using Greenfield Online sample. Interviewing for this survey was completed September 29 – October 3, 2008.
About Aetna
Aetna is one of the nation’s leading diversified health care benefits companies, serving approximately 37.2 million people with information and resources to help them make better informed decisions about their health care. Aetna offers a broad range of traditional and consumer-directed health insurance products and related services, including medical, pharmacy, dental, behavioral health, group life and disability plans, and medical management capabilities and health care management services for Medicaid plans. Our customers include employer groups, individuals, college students, part-time and hourly workers, health plans, governmental units, government-sponsored plans, labor groups and expatriates. www.aetna.com
About Plan for Your Health
Plan for Your Health, a public education campaign from Aetna and the Financial Planning Association, gives consumers the information they need to make health benefits and financial choices that meet their needs now and in the future. The Web site focuses on five life events when women need to re-examine their health benefits – career, marriage, family, living single and retirement – and offers consumer-friendly tools, tips and content that support well-informed decision-making. www.PlanforYourHealth.com
About The Financial Planning Association® (FPA®)
FPA is the leadership and advocacy organization connecting those who provide, support and benefit from professional financial planning. FPA demonstrates and supports a professional commitment to education and a client-centered financial planning process. Based in Denver, Colo., FPA has over 100 chapters throughout the country representing more than 28,000 members involved in all facets of providing financial planning services. Working in alliance with academic leaders, legislative and regulatory bodies, financial services firms and consumer interest organizations, FPA is the community that fosters the value of financial planning and advances the financial planning profession. www.FPAnet.org
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As of today there are two new plans for Miami residents including the new Miami Dade Blue plan and the new Cover Florida plan. Both are available right now and both are usually for more extreme cases of either medical necessity or income necessity. The plans both have shortcomings including a possible smaller network or limited benefits but usually not both which is good news. East Coast Health Insurance which offers all health insurance companies and currently sells both plans will find the best plan for your situation whether it is a state, county, or private health insurance plan. Both new plans are described below.
In Miami today there are two new PPO plans which are subsidized by the state of Florida and Miami Dade County they have been released to help cover the Florida residents that either don’t qualify for the normal medical insurance due to medical conditions or are unable to afford health insurance. Florida’s Miami-Dade County and several health insurance companies including United, Health Care, Medica Health Plan, and Blue Cross will be offering the new low-cost health plan, aimed at helping the estimated 600,000 uninsured county residents, the Miami Herald reports. The plan — which costs taxpayers nothing — is a traditional PPO, with no pre-approvals or referrals and will cost a healthy 35-year-old male about $100 per month.The plan choices include a $250 deductible and will cover 90% of in-network hospital costs and 100% of fees for in-network lab tests after the deductible is met. The copayment for generic drugs is $10 per prescription; the plan will not offer coverage for brand-name prescriptions.
The plan is being offered to individuals younger than age 65 and to small employers with up to 50 workers. Businesses will be guaranteed coverage if 70% of employees take part in the plan and the owner pays at least 50% of the premiums; however, individuals with costly pre-existing health conditions likely will be denied coverage. The plan has an annual out-of-pocket limit of $2,500 and a lifetime benefit of $5 million.
Cover Florida allows insurers to create innovative health insurance products that are affordable and guaranteed to Floridians who have been without insurance for at least six months, or who are recently unemployed – even if there are pre-existing health conditions. The coverage is voluntary for both individuals and for employers, and employees can even take their coverage with them if they change jobs.
Cover Florida gives uninsured Floridians the opportunity to take charge of their own preventive health care. Cover Florida benefit options include a robust set of benefits, such as coverage for preventive services, screenings, and office visits, as well as office surgery, urgent care, prescription drugs, durable medical equipment, and diabetic supplies.
No tax dollars were required to create the Cover Florida health insurance plans. Instead, six private insurance companies have partnered with the State of Florida to offer affordable health insurance coverage. If you have gone without insurance for at least six months – or have recently lost your employer-sponsored insurance – I encourage you to learn more about Cover Florida. It may be exactly the health insurance you have been looking for. Please call East Coast Health Insurance for all the latest news on both plans.
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The latest on health reform for Humana brokers
Here is the latest Humana One Health Insurance Reform Newsletter that all Brokers Received. I post these for Florida Health Insurance clients to learn the inside information that the companies share with their agents.
July 8, 2009
No time to waste
It’s back to work for Congress. Senators and Representatives have returned to Washington after the week-long Fourth o f July recess, and health reform tops the agenda. But with just five weeks until Congress breaks again for most of August, many wonder whether lawmakers can meet their initial timetable.
That aggressive original schedule calls for the House and Senate to pass reform legislation before August 8, combine their measures in September, and deliver a health reform bill for the president’s signature by October 1. After that, many believe it will get increasingly difficult to pass health reform, as members of Congress start setting their sights on the 2010 mid-term elections.
All of which means the month of July will be critical. Three committees in the House and two in the Senate are working to advance reform as quickly as possible. Here’s what those committees have planned in the next two weeks:
- Three House committees with jurisdiction over health reform – Education and Labor, Energy and Commerce, and Ways and Means – are working together on a single bill. The so-called Tri Committee plans to debate and amend its legislation during markup hearings scheduled for the week of July 13.
- The Senate Finance Committee hopes to release its bill sometime in the next week or two. Finance is taking longer than the other Senate committee as Democrats and Republicans continue negotiations aimed at reaching a bipartisan compromise.
- The Senate Health, Education, Labor and Pensions Committee (HELP) last week re vised its Affordable Health Choices Act – see below – and hopes to complete markup by the end of this week.
The HELP and Finance Committees will combine their bills before bringing them to the floor of the Senate.
Senate HELP revises reform bill
Last week, the Senate HELP Committee unveiled a revised health reform bill that committee Democrats say will cost less and cover more people. But others say those cost estimates don’t tell the whole story.
The Congressional Budget Office (CBO) estimates the revised bill will cost roughly $611 billion over 10 years – far less than the $1 trillion pricetag CBO put on the original bill several weeks ago. CBO also says the bill would cover 21 million of the nation’s 46 million uninsured, but the bill’s sponsors say it would eventually cover 97 percent of all Americans. Download the CBO score.
The difference in cost between the original and revised bills is largely due to so-called “pay or play” penalties that employers would face for not offering health insurance to their workers. The initial payment would be $750 per year for each employee left uncovered. Employers with 25 or fewer employees would be exempt.
But, the CBO’s estimate did not=2 0include the cost of administering a government health plan to compete with private insurers, or the cost of expanding Medicaid and increasing physician reimbursements under Medicare – all of which could increase costs considerably.
Wal-Mart backs employer mandate
Meantime, Wal-Mart – the corporation that employs more workers than any other private enterprise – says the government should require employers to provide health insurance.
The retail giant announced its support for a so-called employer mandate in a letter to President Obama. It was signed jointly by the heads of Wal-Mart, the Service Employees International Union (SEIU) and the Center for American Progress.
“Not every business can make the same contribution, but everyone must make some contribution,” the letter reads. “We look forward to working with the Administration and Congress to develop a requirement that is both sensible and equitable.”
Wal-Mart has drawn fire in recent years for restricting the coverage it provides to employees – for example, imposing waiting periods of up to two years, according to the Associated Press. Much of that criticism has come from SEIU.
The move may be an attempt by Wal-Mart to polish its image and head-off more restrictive legislation. Other business groups, including the U.S. Chamber of Commerce, have adamantly opposed an employer mandate, arguing it would make it harder for American companies to compete globally.
Live from Minnesota – a new Senator
Nearly eight months after Election Day, the court battle for Minnesota’s open Senate seat has come to an end. Last week, Democrat and former Saturday Night Live comedian Al Franken declared victory following a state Supreme Court ruling in his favor.
“I am so excited to finally be able to get to work for the people of Minnesota,” Bloomberg News reported Franken as saying.
Franken’s opponent, incumbent Republican Norm Coleman, conceded the election after the Minnesota Supreme Court upheld a lower court decision. Franken won by just 312 votes.
The outcome gives Democrats an important 60-40 margin in the Senate, which could be critical as health care reform comes down to the wire. It means Democrats have the 60 votes they need to overcome a Republican filibuster – a legislative delay tactic – should bipartisan negotiations in the Senate break down.
In other words, Senate Democrats could proceed with little or no Republican support. Even if Sen. Edward Kennedy (D-Mass.) or Sen. Robert Byrd (D-W. Va.) can’t travel to Washington to cast votes (both are seriously ill), Democrats would only need one or two Republican votes to pass a health reform bill.
Franken told the Asso ciated Press that he expects to sit on the Senate Judiciary Committee, which would also give him a role in evaluating Supreme Court nominee Sonia Sotomayor.
Obama goes online for town hall
Congress was on recess last week for the Fourth of July, but President Obama continued to press his case for health care reform. He held another town hall meeting last Wednesday, but with a twist: This time he appeared before a live audience in Annadale, Va., but also took questions from Twitter, Facebook and other social networking sites.
He encouraged people to send questions. “Ultimately,” he said via a White House blog, “your engagement on this issue is just as important as that of our lawmakers. I’ve always believed that real change doesn’t come from Washington; it comes from the American people – and we won’t be able to reform without you.”
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Things to Be Careful of when Shopping
First if all we live in Florida and our state is home to some of the craziest people who scheme all day about how to get a piece of your money. Now usually I believe its caveat emptor as it is up to you what you buy or don’t buy. But if someone is messing with your health and your ability to get medical care it might be one of the most horrid things a person can do. This does not mean I excuse Bernie Madoff or any other shyster but there is a special place for people who would purposefully mess with your ability to have medical care. A better question would be why are they allowed to sell their schlock in Florida to begin with but that is another article for another time.
I will say in 95% of cases you should never buy a medical discount plan, unless you know exactly what your buying and you have no other choice such as if you can no longer afford but the most basic hospital coverage or if you cannot get approved for any other coverage including all government and local plans, and lastly that you can find one for literally no more then $30 per month then I guess it would be alright. But again these are not necessary and will sometimes hurt you more then help you as they might impede us from getting you a social program through the county, state, or federal government. If you are about to buy a discount plan, unless it is to be paired with an actual health insurance policy with a high deductible (AND EVEN AT THAT POINT YOU SHOULD BE CONCERNED) you should pick the phone and call us at 888-803-5917. If someone is offering you a plan that is $100 or more and is a discount plan in Florida I can tell you to just say no. I have never heard anyone tell me that their discount plan was either good or worth it. (Most people are usually not happy with their actual health insurance policy either but at least we discuss those situations and people are in Washington right now trying to fix it)
The other policies to watch out for specifically would be anything from Health Markets such as Mega, Midwest, and United American. If you have bought one of these policies or any policy not from a carrier that I am about to mention, you should walk or run over to your files and pull out the policy right now. Aetna, Avmed, United/Neighborhood/Golden Rule, Humana, Cigna, Vista, Coventry, Blue Cross Blue Shield of Florida. This is the list of all the carriers that we currently deal with. If you have any other carriers, you should look at your policy and look at the first page and make sure that besides your deductible, and just look at your coinsurance and/or co-pays which is your maximum out of pocket is firstly a definite number and number two a number less then $10,000. If your total exposure is more then $10,000 or if it is not actually spelled out in your policy then usually something is amiss. Many companies will sell you a policy with no defined maximum out of pocket, I could name these carriers but suffice it to say that you should always have a defined moop (maximum out of pocket). Secondly, you should have one annual deductible, not one per incident. And lastly and also very important, there should be no caps on anything except your lifetime maximum which should be at least 1 million but is usually 3-5 million. If you are unsure about your current health insurance carrier then you should call our offices and let us either look at it or tell you about it.
East Coast Health Insurance is one of Florida’s Top Individual Health Insurance Companies. We sell all eight of Florida’s major health insurers and continually add and update our policies. We can be reached for a free consultation @ 888 803 5917.
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Massachusetts passed a landmark health insurance law that they are hoping is going to be a standard that the rest of the country can follow. If you have not heard about this law then we want to help you become a bit more familiar with how it will work. Then we want to discuss some of the effects of the new health insurance law in Massachusetts. Health insurance is a big topic of discussion these days. Make sure that you know as much as possible about it so you can be prepared when this topic arises in your life. It is a very important issue.
Basics of the Mass. Heath Insurance Reform
If you live in Massachusetts then you know that you had to have to have health insurance by the end of the year (2007) or you would face a penalty when tax time came each year. Businesses that have at least 11 employees must make sure that they pay a fair share of the cost of insurance or they will face penalties. If you cannot get health insurance then there are free, subsidized programs that will help you with it.
The Results of This Law
When it was all said and one, 95% of people who filed taxes were covered by some sort of health insurance. There were around 86,000 people who paid a penalty because they did not have insurance, with about 6,000 of those people opting to appeal this penalty. The implementation of the law led to over 300,000 new people on health insurance programs that were not on anything in the previous year. The general consensus among Massachusetts officials was that the law was working and more people were being helping then ever. This information was only gathered from the first round of income tax returns filed.
How Florida is Affected
Now this may not directly affect you because you live elsewhere, but take note of it. If one method works for a particular state then other states might follow suit. The other states may adapt the Massachusetts plan to fit their state better. Just note the effects of this plan because you could see it in your state soon. If you do want this, or you do not want this, then let your officials know. Let them know what you want and how you think this can be achieved. The long term effect on Florida is nothing because this model has worked alright for this very rich state but would flop on entry in Florida due to our unusual geographic and social makeup. In other words we have high illegal immigration rates and a very poor population that is increasingly getting poorer by the day. We cannot afford it. The other main factor of course is that we are living in a state which lets anyone sell anything to anyone with no repercussions. We need to firstly kick out the health insurance companies that do not even meet the criteria of health insurance. In other words if there is no maximum out of pocket each year then the plan is most likely geared to enrich the health company and rip off the general public. I’m looking at you health markets! I am in favor in of health insurance reform as should anyone with a conscience who has seen what I have.
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