Coral Springs, Florida is home to about 120,000 Floridians and is quite a laid back suburban area. For residents looking to the individual health insurance market, Coral Springs has quite a few carriers and is quite similar in premium pricing to its more urban neighbor Pompano Beach.
Currently in 2012 Aetna, Cigna, Humana, United, and Coventry all offer Coral Springs individual health insurance plans for either single people or families. In order to find out the most competitive carriers in Coral Springs, I ran a sample quote on myself a 36 year old male using the zip code 33071. From there, I selected plans using either a 2500 or 3000 deductible that offered office visit and prescription copayments before the deductible, and I also excluded value plans which limit benefits to decrease premium.
I based my assumptions on a totally healthy Coral Springs male and any slight condition could change the picture dramatically.
Going in alphabetical order, up first was Aetna, which offered their Aetna Health Network Option 2500 for $228. This plan is awesome and very comprehensive but it is a tad bit pricey for this plan. So, I next checked out Cigna, which offered for $192 their FL OPEN ACCESS 2000/80% . Aetna is a bit more reliable but for the money I would personally choose Cigna. However both of these plans are a bit pricey for me as a single male. Lets see what else is available in Coral Springs.
Coventry offers their Coventry Plus 2500 plan in Coral Springs for $220, and this is the most comprehensive plan we have seen so far because it is an HMO and offers copays for almost everything besides inpatient hospitalization. I love this plan and recommend it to everyone, but it is not the most affordable and some people (mistakenly in our opinion) simply dislike HMO’s.
Humana however, takes the price cake at $167 with their Enhanced Copay 80/2500. It is a great and affordable plan and Humana has been getting better every year. It is not as comprehensive from the first dollar as Coventry but is the most insurance for the least money so far.
The final entrant is United Health One by United Health Care with their Copay Select 80 – 2500 for $209. It is a decent plan but it is not as affordable as Humana. I would certainly not dismiss it though and they tend to be competitive for residents in their 50′s and 60′s.
Call us for assistance with your personal quote or any health insurance questions at 888 803 5917. And remember our offices are right down the street from Coral Springs in Deerfield Beach at 3275 W Hillsboro Blvd, Suite 309, so come by and say hi!