January 5, 2009 -- Floridians that are self employed, small business owners, or are independent contractors will need their own private Florida individual health insurance policy. These health plans in Florida are fully underwritten, which means, factors such as your health, prescriptions you take, and previous medical history will help determine if you are eligible for coverage.
Other unique factors that determine the rates of you Florida individual health insurance policy would be demographics such as your age and what zip code you live in. There are a few general guidelines that will help you make the best Florida individual health insurance decision.
The first Florida health insurance option for self employed Floridians is to simply apply for an individual health insurance policy.
Individual health insurance rates in Florida are very competitive. There are many insurance companies that would like to earn your business. The major benefit to applying for an individual health insurance policy is that individual health insurance rates will vary among insurance carriers.
You can see that first hand by viewing quotes here on our web portal. We offer side by side comparisons of all top rated health insurance carriers in Florida.
The only snag that some people encounter when applying for an individual health insurance policy in the state of Florida is that you must be pretty healthy. According to Florida state law, a health insurance company can decline your application for an individual health insurance policy based on your prior medical history.
Most Insurance consultants will refer to this situation as there client having a pre-existing condition. Many other factors such as height and weight restrictions and other health related criteria come into play.
Be sure to contact your Florida health insurance broker to find the plan that meets and exceeds all of your expectations.