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Orlando Health Insurance


 

Orlando & Orange County, Florida Health Insurance Companies

Orlando and Orange County health insurance is certainly different from the South Florida health insurance model that we have been beating to a pulp. Firstly, as you head North on I-95 you lose the option of AvMed. Coventry now offers coverage in the area, however.
Thus, Orlando is a quicker and less intense case study then our other examples. Additionally, health insurance is much more affordable in Orlando and Northern Florida so it is also less competitive among the Florida health insurance companies.
The available companies in your city off-exchange include Aetna, Cigna, Humana and UnitedHealthcare, and the marketplace includes Aetna, Florida Blue, Humana and Cigna.

Orlando Health Insurance Sample Quote

The Affordable Care Act has made it easier for people to gain coverage on the individual market in Orlando by reducing rates with subsidies. As many residents qualify for assistance on the exchange, we’ll feature the best silver plans from each carrier below.

Due to the anticipated competition of the exchange, there are far fewer plans available outside of the marketplace. The landscape of individual and family coverage has changed vastly from pre-reform policies, which means you have fewer options but also could get away with paying much less than before.

For most people in need of coverage, this is great news. Take a look at our sample case with the following details that determine premium rates and cost sharing, but keep in mind your personal details and costs will vary.

 

Factors:

  • Lives in Orange County
  • 30 years old
  • Non-smoker
  • $20,000-per-year income

 

Plan Criteria:

  • Silver level
  • Lowest premiums from each carrier
  • Office visit copay

 

In Orlando for a 30-year-old with a $20,000 annual income, coverage is very reasonable. For a mere $66 per month after this individual’s subsidy is factored in, Humana coverage is available with a low $900 deductible — reduced based on earnings.

$86 per month buys a Florida Blue silver plan on their EPO network with $10 copays for doctor’s office visits. The deductible for this policy is also low, so if the network of medical providers worked better than Humana or Cigna, this plan might be a good choice.

As all networks are smaller on the exchange, especially among bronze and silver plans, it’s necessary to review each policy’s provider lists before you enroll if you have a specific doctor in mind. Another exchange tip is to stay in-network, regardless of whether you have an HMO that requires you to or a PPO that gives you the flexibility to go out-of-network. Network providers are always more cost-effective.

If you have specific health needs and are on a budget, consider the Humana plan, as the other two limit your office visit copays and hospital care will cost 20 percent after deductible. The Blue plan does cover hospitalization, specialist care and ER visits at 90 percent, so it’s also a good choice in case you encounter a serious medical problem — or just want to make sure you don’t pay full price in the event that you do.

Here are the top silver plans in Orlando:

 

 

 

 

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