Florida health insurance options

You have more insurance options for your health than you think, Florida

If you’re self-employed or without insurance from your employer – in other words, you’re looking for individual or family health insurance in Florida – you might be looking for Affordable Care Act insurance, what's often called Obamacare. However, we want to make you aware of the whole range of individual and family insurance products we have available in your state.

Looking for group health insurance for employers?

UnitedHealthcare Individual & Family ACA Marketplace plans in Florida

Looking for health care plans on the Affordable Care Act (ACA) Marketplace? UnitedHealthcare Individual & Family ACA Marketplace plans offer affordable, reliable coverage options from UnitedHealthcare of Florida, Inc.

As part of the American Rescue Plan Act of 2021 and Inflation Reduction Act of 2022, many individuals and families are now eligible for lower — or in some cases $01,2,3  — monthly premiums for ACA Marketplace health coverage.

Call 1-800-273-8095 / TTY 711 to talk to a licensed insurance agent.

Already a member with a UnitedHealthcare Individual & Family ACA Marketplace plan?

Sign in or call 1-877-265-9199 / TTY 711

Short term health insurance in Florida

A temporary medical insurance plan like short term health insurance4 underwritten by Golden Rule Insurance Company may provide:

  • Budget-friendly monthly payments
  • Health care coverage while you search for a long term option

Health insurance coverage for multiple years

TriTerm Medical Insurance,underwritten by Golden Rule Insurance Company, is short term health insurance that offers coverage for preventive care, doctor office visits, and prescriptions.

  • Apply once for insurance coverage terms that equal one day less than 3 years.
  • $2 million lifetime maximum benefit per covered person on most plans.
  • Eligible expenses for preexisting conditions are covered after 12 months on the plan.

Questions about Short Term or TriTerm Medical insurance? Call 1-844-711-0168 / TTY 711 to talk to a representative.

Hospital & doctor insurance

Health ProtectorGuard fixed indemnity insurance,6 underwritten by Golden Rule Insurance Company, can supplement your major medical plan by paying cash for eligible, covered medical services, like a doctor visit, a trip to urgent care or a surgical procedure.

  • No deductibles or copays to pay first
  • Benefits paid regardless of other insurance
  • Money to pay costs not covered by major medical plans, like a deductible

Accident & critical illness insurance

Accidental injuries and critical illness happen when you least expect them. Those unexpected expenses can strain any budget. Accident insurance6 and critical illness insurance6 can help by paying cash benefits for covered injuries or illnesses.

The Accident Pro series of products, underwritten by Golden Rule Insurance Company, combines accident insurance with critical illness, hospitalization, and accidental death and dismemberment coverage all in one. Some plans are guaranteed issue, meaning your application won’t be turned down for preexisting conditions.

Florida dental and vision plans

Dental and vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.7 They offer coverage for the dental and vision services many medical insurance plans don’t include.

From Miami to Orlando, Tampa to Jacksonville, explore these Florida health insurance options and more that may be available now.

Need help finding a plan?

Answer a few questions to see which insurance options may be available for you.

UnitedHealthcare Medicare Advantage plans in Florida

These plans offer all the benefits of Medicare Parts A and B as well as coverage for extra benefits like prescription drugs, dental, and vision.

Medicare plans

Health insurance for individuals who are 65 or older, or those under 65 who may qualify because of a disability or another special situation.

Call 1-844-232-1426 to learn more.

Medicaid plans

We offer low cost or no cost health insurance plans for those with limited incomes.