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Affordable Florida Health Insurance in Key West Florida
 
Dependable, Key West Health Insurance Plans... Free Quotes!

Key West: If you're not from around here; Key West is a city and an island located at the bottom of the US - near the southernmost tip of the Florida Keys in Monroe County, Florida; nice place to live, but finding affordable health insurance around here can be a problem. Our job is to help you find the best insurance prices available!

Florida Insurance Web is not like every other insurance company around Key West. Usually an insurance agency will try to sell you "their" special brand of health insurance. That is not the way to offer insurance. To make an educated decision about your health care you need all the plans layed out in front of you. We offer a complete health insurance product line with free consulting services to help you weed through all the in's and out's of a policy. Our health insurance consulting includes: free insurance services such as: complete analysis of competing insurance products, individual analysis of your current health situation, and multiple insurance carriers and products to choose from. Get a Free Health Insurance Quote from Key West's most reliable health insurance provider. It's easy to sign up!

 

THE BEST INSURANCE PLANS!

Key West Health Insurance now has more insurance product lines than ever before! We provide premium health insurance services to all of Monroe County. Our full range of reliable insurance services are listed below.
 
Florida Health Insurance - Help
Before you buy health insurance from any agent in Key West; utilize our extensive health insurance services for a sound, accurate, and professional analysis of your current situation. Our full service health insurance agency knows and understands your needs. We can help you choose... (read more)
 
Individual Health Insurance Plans:
There is a huge cost difference between insurance carriers in Key West. Use our comprehensive health insurance services to get a better understanding of the individual health insurance marketplace and the products available to you BEFORE you sign up with any agent here, or up in Miami. (read more)
 
SMALL BUSINESS?: Small Group Health Insurance
Buying insurance in the State of Florida can be a nightmare. Insist on the best! Our experienced health insurance consultants provide accurate and reliable information that can be utilized to get the most beneficial health insurance policyavailable in Key West!(read more)
 
MANY EMPLOYEES ?: Large Group Health Insurance
Avoid overbuying health insurance! We cater to your needs. Our experienced health insurance professionals believe employee benefits and risk should be viewed and managed as a system. It must fit your firm’s business plan.  Our professional insurance consultants take the worry out of managing large health insurance plans. Our large group insurance services are delivered to you with extensive knowledge of the Florida Insurance marketplace. You'll get the best price - guaranteed! (read more)
 
LOW COST: Key West Health Insurance
How much does it really cost to insure your family? Can you afford it? We can help you come up with the best plan your family. Check out our superior health insurance products available and get a free health insurance quote with the click of a button. (read more)
 
NOW LOWER HEALTH COSTS!
Lower your premiums by twenty percent.  Get a free health quote, while maintaining dependability by using our easy to use online quoting system. (read more)

FL. INSURANCE CARRIERS: All Agents
Reduce health insurance costs while maintaining dependability by using Florida Health Insurance Web’s renowned online quoting system by getting health insurance quotes from all major carriers.(read more)

 

About Key West Florida

Key West is the county seat of Monroe County. It is known as the Southernmost City in the Continental United States. It is also the southern end of U.S. Route 1, State Road A1A and the East Coast Greenway. Key West is 129 miles southwest of Miami, Florida, and 106 miles north northeast of Havana, Cuba.

Insurance Help #035

Comparing Insurance Plans

When shopping for Florida health insurance the details presented may scare you away. But before you turn and run, you should remember that buying Florida health insurance is not as hard as it may sound. There are a lot of details to consider, but if you simply work at your own pace these details will never have a negative effect on you. The most important thing to remember is that comparing Florida health insurance plans is an absolute must.

There are a few things that you will learn when comparing Florida health insurance. First off, you will be able to see right off the bat the prices that are available to you. If cost is a major factor you will learn all that you need to know by simply checking out a few prices before you even get started.

In addition to the price, when comparing plans you will want to consider the details of each one. For instance, things such as your deductible, out of pocket limit and coinsurance are quite important. These are the details that will cover your medical costs as you incur them. So obviously, the more that you know about each policy the better off you will be.

Carefully comparing Florida health insurance plans will give you the knowledge that you need to make a financially sound decision. It is in your best interest to compare several plans, and then decide which one will best suit your lifestyle. The bottom line is that you will have the chance to compare several plans before buying. Although it may take time to compile these quotes and plan details, if you want to make the best decision it is something that you have to do.

Getting a Quote

Buying Florida health insurance may or may not be in your stars. But with that in mind, if you live in the state there is a chance that you will have to make a purchase sometime in the future. The majority of people who shop for Florida health insurance do so because they do not receive benefits through their employer, or they are self employed. Of course, some companies also shop for group health insurance policies.

If you need to get a Florida health insurance quote there are several ways of getting started. Most people have found that the best way of doing this is by using the internet. This allows them to avoid phone contact with agents or brokers, and also gives them the chance to work at their own speed. Obtaining Florida health insurance quotes this way is as easy as it gets.

Of course, your other option is to directly contact particular companies that offer policies that may be of interest to you. While this is fine, it is going to take you much longer and you may not get as good a price. But all in all, there is nothing wrong with shopping for Florida health insurance in this manner.

There are many companies that offer Florida health insurance, and each one has different plans and options for you to choose from. The key to getting what you want is making sure that you consider all of the plans in front of you. Even if you have found a nice looking policy, you owe it to yourself to continue shopping until you have a few comparisons set up. This will ensure you that the plan you choose is the best of the best.

History of Health Insurance

When Medicare and Medicaid - our government programs to provide health care for the elderly and the poor - were approved in 1965, they were widely seen as a step toward the universal health care that former President Harry Truman had unsuccessful advocated 20 years earlier. The United States was catching up with the rest of what was then called the industrialized world, in creating a more just and humane society.

Our leaders then escalated the Vietnam War and drained the funds necessary to expand health care, and as Martin Luther King, Jr. famously noted, for the war on poverty as well. In 1981 the "Reagan Rollback" began and the country embarked upon its project of building a bridge to the 19th century in areas of social policy.

One of the few bright spots over the last few decades in the struggle to extend health insurance coverage was the passage of the SCHIP (State Children's Health Insurance Program) in 1997. This program provided for federal grants to states that wanted to expand health care insurance to children. The children eligible would be those that did not qualify for Medicaid but lived in families with income below twice the poverty level. (The poverty level for a family of three today is $17,170 per year.)

More than 4 million children are enrolled in SCHIP, and most of them would not have health insurance without the program. About 90 percent of these children live in a family with a parent who works. This reflects a major purpose of the program: to help families whose main earner is working full time but still cannot afford health insurance for the children. For example, consider a worker with two children with income is between $1431 and $2862 a month before taxes. She is not eligible for Medicaid. Paying $800 a month to cover her children - even if she is lucky enough to have that option with employment-based insurance - may make it difficult to pay for rent, food, utilities and other necessities.

There are still about 9 million children uninsured in the United States, some of whom are eligible for SCHIP or Medicaid but are not enrolled. The Federal government currently funds SCHIP at about $5 billion a year - just 0.2 percent of the federal budget and less than one percent of all public health care spending. The program comes up for renewal in September of this year, and there will be debate over its funding.

A recent New York Times/CBS poll found 84 percent of Americans want the program expanded so that it covers all uninsured children. The public has it right - the program has been effective and universal coverage for children makes sense.

Of course, universal coverage for all Americans makes even more sense, and this also has majority support and is clawing its way back to the political agenda. The main obstacles are, as always, powerful special interests that corrupt our political system. Number one is the lobby for insurance companies, whose main goal is to insure the healthy and avoid the sick. The resources that they waste in this perverse pursuit help make our health care system the most expensive in the world: we spend about twice as much per person as other high-income countries. And we still end up with 47 million uninsured and worse health outcomes - lower life expectancy, higher infant mortality - than the other countries that provide universal heath insurance at half the cost.

This colossal inefficiency and waste will have to be fixed if any health care advances are to last. And that will undoubtedly mean that the public sector becomes the dominant insurer, as it is now for the elderly and disabled. But until then, expanding children's health coverage is an important step forward.

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