Ocala is a Northern-Central Florida city with historical roots and is known as the “Horse Capital of the World.” The area has a strong emphasis on natural preservation, home to various parks, trails, and nature preserves, and the large Ocala National Forest. Health insurance companies available in Ocala include Aetna, Celtic, Humana, Cigna, and UnitedHealthcare for individual coverage. Plans are offered in Preferred Provider Organization (PPO) and Point-of-Service (POS) types, which give variety and freedom to plan members.
Every Choice Health Insurance has been a part of the Florida health insurance market for many years, and is thoroughly educated in its products and services. We know the market well, and can direct you towards the best fit for you and your family. Our agents are always ready to help a fellow Florida resident sort through plans and answer any questions at 888 803 5917.
Ocala, Florida Sample Health Insurance Quote
On the Florida health insurance marketplace, silver plans are the most cost-effective option as they allow individuals to use their subsidies for both cost sharing and premiums. To illustrate the reformed market in Ocala, we selected silver plans for a tax credit-eligible resident.
Numerous residents of Florida qualify for assistance on the exchange, so it’s beneficial to consider your options with subsidies factored in. Age, income, family size, location and tobacco use can impact your premium rate, therefore, the following information applies to someone with the listed factors.
- Lives in Marion County
- 30 years old
- $30,000-per-year income
- Silver level
- Lowest premiums from each carrier
- Office visit copay
Florida Blue is the only carrier offering plans at the silver level in Ocala. Their better options include the lowest priced plan for $203 per month and the $225 per month plan with copays for important medical services.
A total of 82 policies are available on the marketplace, so if more or less coverage suits you better, you have options. 26 silver plans from Blue Cross Blue Shield of Florida also vary by network type, as some are EPO and others are connected to Florida Blue HMO. Aetna also offers coverage on the exchange in Marion County, but only for bronze plans.
The lowest deductible in this group was $2,100, but the plan didn’t offer copayments for any services other than generic prescriptions, so it’s not quite as ideal as a copay plan.
The subsidy amount awarded isn’t huge — about $10 or so is discounted, as coverage in this region isn’t as costly as other parts of the state, and the income level is higher. We also checked what rates would look like for someone with a $20,000 per year income in Ocala, which resulted in a $134 per month tax credit, much lower premiums and much lower deductibles.
With this income level for the same age group, it’s possible to get a Blue plan for $79 per month with $10 office visit copays and a $1,500 deductible — very fair.
For more details about the exchange and plans offered in your area, call a licensed agent at 888 803 5917.