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Florida health insurance is comprised of two main categories: Florida individual health insurance and Florida group health insurance. These two categories have many similarities but yet many important differences as well.

Individual health insurance in Florida is different from group health insurance in Florida because of the fact that the underwriting departments at each Florida insurance company will scrutinize very closely any pre-existing conditions that an applicant has in their health history (going back up to 10 years) if they are applying for an individual policy.

Florida group health insurance is much simpler in that generally there is not as much scrutiny towards an applicant’s health history and pre-existing conditions. This is good or bad depending on your present health condition. It is good if you are an unhealthy person with some major pre-existing conditions because it allows you to obtain group health insurance when you would be declined if you tried to obtain individual health insurance (due to your pre-existing conditions). However, it is bad from a financial sense if you are a generally healthy person because you are paying a higher premium cost for group health insurance (as opposed to individual health insurance) – that is unless your employer is paying the cost for all of your group health insurance: then you are quite happy (unless you have a family and your employer is not so kind as to pay for them to be on the group health coverage as well!)

Be sure to research your Florida health insurance options thoroughly by consulting with an independent agent who can represent multiple health insurance companies and by comparing Florida health insurance quotes from multiple companies side by side. (Be sure not to believe any Florida insurance agent who tells you that you will be approved for an individual health insurance policy whether you have pre-existing conditions or not – chances are they are just trying to unload a close to worthless health discount plan – not health insurance).