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Florida’s Insurance Companies

Florida Individual Health Insurance Companies


This is our table of contents for the Florida health insurance companies pictured below.  You can click on each Florida health insurance provider as well for a good in depth review of that health insurance company.  We have also summarized our reviews into a detailed Florida Health Insurance Company Review as well.

The Coinsurance Trick in Florida Health Insurance

The other fact of these health insurance companies like Time, Assurant, and Freedom is that in order to get health insurance brokers to sell them they have to offer high commissions usually to the tune of 30% minimally.  This also ends up eating into your coverage and their own competitiveness.  Given the choice a health insurance broker would much rather offer a name brand company and this is a ploy to get agents unfortunately.  The common health insurance commission should be no more 25% and that is the percent paid to the wholesaler, the retail or individual health insurance broker should only get 20%. As you can see there are 8 and only 8 respectable health insurance companies in Florida.  Certainly there are more smaller providers as well but the fact is due to the politics involved in health insurance there is not a fair or competitive marketplace.  Lets not mince words here either, there is no way a small company can compete with these Florida health insurance companies no matter what you have been told.  Many of these companies like the small HMO Preferred Medical in Miami health insurance will try to conceal the fact that they only cover 75% of your medical costs.  And the 75% that they cover has to be done in one of their four or five hospitals and by one of their doctors which at the last count had a 5 page network of doctors and they used large print as well.

Mega, Midwest, and United American all Part of Health Markets

This coinsurance trick is very common and many of these illegitimate health insurance companies try to get away with it.  Another common Florida health insurance trick is to put caps on coverage for hospitilization and so forth. These caps would be exhausted in one day of hospitilization so stay away from any company that does not have a lifetime annual maximum only.  Be wary of the $100,ooo cap that United American, Mega, and Midwest health put on their policies in addition to the coinsurance with no end.  You are better off with no coverage at all.

Avalon, Freedom, Time, and Assurant in Florida Health Insurance

The rest of the truth is that companies like Avalon or Freedom, Time, and Assurant usually don’t have their own networks of doctors so because of that they must pay a fee to use other networks such as PHCS, or other networks which are discount plan networks.  Thus their cost structures are inherently higher than the major Florida health insurance companies.  And while they don’t try to have the infinite coinsurance trick they do have to raise the coinsurance to 50% or to a higher maximum to offer the same health insurance premiums as the companies that we sell.  This is not fair and companies like Avalon do deserve a better chance to succeed, but for now it is not possible and I advise all our clients to stick with the major health insurance companies.


Health Insurance in Florida

Aetna Florida Health Insurance Plans are great for women and individuals with a history of conditions. Aetna clients are among the most satisfied of any Florida Health Insurance Company.


Avmed Individual Health Insurance plans are currently available in Broward and Dade Counties exclusively, challenging Blue Cross in price, and local service in South Florida is the best!


Cigna Florida Individual Health Insurance provides their Individual Health Plans in most of Florida with great pricing, and decent benefits. Many times, they are the least expensive carrier in the most demographics.


Coventry One of Florida has an amazing PPO, a very benefit rich plan, though not always the least expensive – except in Palm Beach where they are incredible. Coventry One also offers individual South Florida HMO plans.  We highly recommend you go try their HMO as it amazing, available in South Florida Individual Health Plans usually the most benefits for the least money. This plan will save you thousands of dollars each year in unexpected medical costs.



Humana One in Florida is usually always in the top 3 in pricing in every county, textbook health coverage, no small print – they do exactly as they should.


United Health One/Golden Rule offers a great prescription plan, and in many counties is the price leader and perhaps the best network in Florida Health Insurance.



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