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Sample major medical individual health insurance plans
In Broward County. (Assuming Annual Household income of $60,000 and applicant age of 36)
Every individual is different. Please contact us at 855-711-0412 for more precise quotes as well as advice on any of the following plans and their comprehensive benefits and carriers. We also have family plans, short term health insurance, GAP health insurance plans, and other products available.
|PLAN||Company||Premium||Deductible||Maximum annual spend||Out of pocket maximum||Coinsurance|
|Ambetter Essential Care 1 (2019)||Celtic Insurance Company||$317 /mo||$7,900 /yr||$11,703||$11,703||Not applicable|
|myBlue Bronze 1602||Florida Blue||$331 /mo||$7,900 /yr||$11,872||$7,900||Not applicable|
|Molina Marketplace Bronze||Molina Healthcare of Florida, Inc||$356 /mo||$6,400 /yr||$12,176||$7,900||Not applicable|
|myBlue Bronze 1711S||Florida Blue||$357 /mo||$6,650 /yr||$12,182||$7,90||Not applicable|
|myBlue Bronze 1601||Florida Blue||$364 /mo||$6,700 /yr||$12,265||$7,900||Not applicable
|BlueSelect Bronze 1452||Blue Cross and Blue Shield of Florida||$397 /mo||$7,900 /yr||$12,667||$7,900||Not applicable|
|BlueSelect Bronze (HSA) 1735||Blue Cross and Blue Shield of Florida||$418 /mo||$6,000 /yr||$11,020||$6,000||Not applicable|
|Ambetter Balanced Care 11 (2019)||Celtic Insurance Company||$419 /mo||$6,000 /yr||$12,933||$7,900||Not applicable|
|BlueSelect Bronze 1737S||Blue Cross and Blue Shield of Florida||$420 /mo||$6,650 /yr||$12,943||$7,900||Not applicable
|BlueSelect Bronze 1449||Blue Cross and Blue Shield of Florida||$426 /mo||$6,200 /yr||$13,015||$7,900||Not applicable|
|Ambetter Balanced Care 5 (2019)||Celtic Insurance Company||$426 /mo||$7,350 /yr||$12,468||$7,350||Not applicable|
|myBlue Silver 1604||Florida Blue||$427 /mo||$7,300 /yr||$13,022||$7,900||Not applicable|
|Ambetter Balanced Care 4 (2019)||Celtic Insurance Company||$442 /mo||$7,050 /yr||$12,354||$7,050||Not applicable|
|Ambetter Secure Care 3 (2019) with 3 Free PCP Visits||Celtic Insurance Company||$454 /mo||$1,000 /yr||$11,802||$6,350||Not applicable|
|Ambetter Balanced Care 2 (2019)||Celtic Insurance Company||$455 /mo||$6,500 /yr||$11,963||$6,500||Not applicable|
|Ambetter Balanced Care 2 (2019) + Vision||Celtic Insurance Company||$459 /mo||$6,500 /yr||$12,012||$6,500||Not applicable|
|Ambetter Balanced Care 1 (2019)||Celtic Insurance Company||$460 /mo||$5,500 /yr||$12,021||$6,500||Not applicable|
|Ambetter Balanced Care 1 (2019) + Vision||Celtic Insurance Company||$464 /mo||$5,500 /yr||$12,071||$6,500||Not applicable|
|Ambetter Balanced Care 2 (2019) + Vision + Adult Dental||Celtic Insurance Company||$469 /mo||$6,500 /yr||$12,130||$6,500||Not applicable|
|myBlue Gold 1605||Florida Blue||$473 /mo||$940 /yr||$10,375||$4,700||Not applicable|
|myBlue Silver 1603||Florida Blue||$473 /mo||$5,950 /yr||$12,831||$7,150||Not applicable|
|Ambetter Balanced Care 1 (2019) + Vision + Adult Dental||Celtic Insurance Company||$474 /mo||$5,500 /yr||$12,190||$6,500||Not applicable|
|myBlue Silver 1712S||Florida Blue||$486 /mo||$3,500 /yr||$13,730||$7,900||Not applicable|
|myBlue Silver 1710||Florida Blue||$490 /mo||$6,200 /yr||$13,330||$7,450||Not applicable|
|Ambetter Balanced Care 3 (2019)||Celtic Insurance Company||$491 /mo||$3,000 /y||$12,648||$6,750||Not applicable|
|Ambetter Balanced Care 3 (2019) + Vision||Celtic Insurance Company||$496 /mo||$3,000 /yr||$12,701||$6,750||Not applicable|
|Ambetter Balanced Care 3 (2019) + Vision + Adult Dental||Celtic Insurance Company||$506 /mo||$3,000 /yr||$12,828||$6,750||Not applicable|
|BlueSelect Silver 1443||Blue Cross and Blue Shield of Florida||$509 /mo||$6,000 /yr||$14,009||$7,900||Not applicable|
|Molina Marketplace Silver||Molina Healthcare of Florida, Inc||$530 /mo||$5,350 /yr||$14,265||$7,900||Not applicable|
|BlueSelect Silver 1456||Blue Cross and Blue Shield of Florida||$548 /mo||$5,950 /yr||$13,730||$7,150||Not applicable|
|BlueOptions Bronze 1419||Blue Cross and Blue Shield of Florida||$558 /mo||$7,900 /yr||$14,599||$7,900||Not applicable|
|BlueSelect Silver 1736S||Blue Cross and Blue Shield of Florida||$559 /mo||$3,500 /yr||$14,610||$7,900||Not applicable|
|BlueSelect Gold 1835||Blue Cross and Blue Shield of Florida||$560 /mo||$2,000 /yr||$12,224||$5,500||Not applicable|
|BlueSelect Silver 1464||Blue Cross and Blue Shield of Florida||$574 /mo||$5,650 /yr||$13,885||$7,000||Not applicable|
|Molina Marketplace Gold||Molina Healthcare of Florida, Inc||$588 /mo||$2,925 /yr||$12,062||$5,000||Not applicable|
|BlueOptions Bronze (HSA) 1705||Blue Cross and Blue Shield of Florida||$589 /mo||$6,000 /yr||$13,065||$6,000||Not applicable|
|BlueOptions Bronze 1707S||Blue Cross and Blue Shield of Florida||$591 /mo||$6,650 /yr||$14,990||$7,900||Not applicable|
|BlueSelect Gold 1535||Blue Cross and Blue Shield of Florida||$594 /mo||$0 /yr||$12,131||$5,000||Not applicable|
|BlueOptions Bronze 1416||Blue Cross and Blue Shield of Florida||$600 /mo||$6,200 /yr||$15,100||$7,900||Not applicabl|
|BlueSelect Platinum 1451||Blue Cross and Blue Shield of Florida||$685 /mo||$1,000 /yr||$11,718||$3,500||Not applicable|
|BlueSelect Platinum 1457||Blue Cross and Blue Shield of Florida||$726 /mo||$0 /yr||$10,714||$2,000||Not applicable|
|BlueOptions Silver 1410||Blue Cross and Blue Shield of Florida||$816 /mo||$6,000 /yr||$17,686||$7,900||Not applicable|
|BlueOptions Gold 1805||Blue Cross and Blue Shield of Florida||$848 /mo||$2,000 /yr||$15,672||$5,500||Not applicable|
|BlueOptions Silver 1423||Blue Cross and Blue Shield of Florida||$882 /mo||$5,950 /yr||$17,728||$7,150||Not applicable|
|BlueOptions Gold 1505||Blue Cross and Blue Shield of Florida||$886 /mo||$0 /yr||$15,630||$5,000||Not applicable|
|BlueOptions Silver 1706S||Blue Cross and Blue Shield of Florida||$897 /mo||$3,500 /yr||$18,665||$7,900||Not applicable|
|BlueOptions Silver 1431||Blue Cross and Blue Shield of Florida||$908 /mo||$5,650 /yr||$17,901||$7,000||Not applicable|
|BlueOptions Platinum 1418||Blue Cross and Blue Shield of Florida||$1,091 /mo||$1,000 /yr||$16,587||$3,500||Not applicable|
|BlueOptions Platinum 1424||Blue Cross and Blue Shield of Florida||$1,146 /mo||$0 /yr||$15,758||$2,000||Not applicable|
Cheapest Health Insurance in Florida: Florida Blue, Ambetter & Cigna
Best for Fixed-Incomes: Florida Blue
Best for Prescription Coverage: Cigna
Best Network: Aetna, Cigna, Florida Blue
Remember, premiums are not the only cost component when it comes to your health care. Out-of-pocket costs in the form of deductibles, copays and coinsurance are just as important to compare when you shop. The best cheap health insurance plan for you and your family will depend on your income level and expected health care needs.
Silver Plans are a good middle ground between premiums you are guaranteed to pay and cost-sharing responsibilities that you will incur if you have any medical expenses.
This can be quite useful if you have a chronic condition or longstanding relationship with a physician and you don’t want to start out treatment with a new doctor.
Florida Blue gives subsidiaries to aid you in reducing the cost of health care if you’re living on a fixed income. Florida Blue’s ACA-compliant healthplans also incorporate free preventive care like physicals, vaccines and mammograms.
Florida Blue also improved virtual health access for its members, responding to COVID-19. The insurer added no-cost usage of Teladoc for its Medicare Advantage members and waived all copays for all its Affordable Care Act members and many employer group health plan members. Florida Blue Teladoc gives 24/7 virtual health care via phone, video or mobile app for non-emergency medical concerns.
Call & Apply for Florida Blue (BCBS) phone number : (855) 711-0412
Cigna’s health care insurance options are cost-effective and will include all ACA-compliant benefits. Four out of 5 people who select a Cigna plan are eligible for some sort of federal subsidy to lower their premium.
Cigna health plans incorporate free preventive care you’ll pay little or nothing for medically necessary vaccinations, health screenings and even some preventive prescription drugs.
You also receive incentivized special discounts on gym memberships, health clubs etc to assist you in maintaining your health.
Cigna can offer really Cheap individual health insurance along with Large variety of provider network choices, however their customer service can be improved.
Call & Apply for Cigna Florida phone number : (855) 711-0412
Health insurance plans from Ambetter work best if you prefer basic coverage and member benefits at a cost-effective monthly premium. Nevertheless, the company has subpar reviews and there are better options if you want to be considered for coverage & want great customer service.
Ambetter also experienced an NAIC complaint ratio of 1.12 meaning this insurance company has brought in more than the median number of consumers’ grievances based on its size. In Florida, Ambetter plans are marketed as Ambetter by Sunshine Health but are managed and underwritten by CeltiCare Insurance.
Call & Apply for Ambetter from Sunshine Health Florida phone number : (855) 711-0412
Overall, their health insurance plans are good and your doctors can work along to help you attain better health.
However, currently they seem to have some bad user reviews. Like one user review says: I feel utterly deceived. I was told multiple times that my insurance was accepted at my OBGYN, they switched from Novant to HMG but said they were taking my insurance because of this. Bright Health covered nothing. $0 of my appointment. Next, I went in network and 2 months later during Covid 19 I receive a letter that has them covering 1/4 of the bill in network. The only reason I went was because it was covered.
Call & Apply for Bright Health Florida phone number : (855) 711-0412
User review - "More doctors will accept Florida blue but I’ve had both and Ambetter was fine. Just check to make sure your doctor and pharmacy accept the specific plan. Personally we just went with the cheapest silver plan our dr accepted (Florida blue silver select, no deductible, reasonable out of pocket maximum."
Florida Blue (Blue Cross/Blue Shield of FL) - They have about 43 policies, but many of the plans are either HMO (BlueCare Network) or are with their limited PPO Network known as the BlueSelect network. The only really good network is their National BlueOptions PPO Network. Unfortunately, since they have so many available policies, they are higher priced on their BlueOptions policies, because of better network coverage.
A consumers's review - "I would assert that if top-of-the-line IT systems support of your health coverage is a concern, well, you should be more concerned with Cigna than with the others. This is my highly subjective professional experience, not founded on any objective, dispassionate system audit. "
"I’ve had Aetna, United Healthcare, and Cigna. My Cigna plan was by far the best plan out of those three. Although that may be because the employer who had the Cigna plan had a really good Cigna plan. They had cheaper premiums and covered more."
"There are a couple of things I don’t like about Cigna. Firstly, if you’re going to get something major done (like surgery), they want the doctor/clinic to send in paperwork on exactly what’s going to get done and then Cigna needs to approve the procedure before it’s done. This may be par for the course though. I never did that with Aetna or UH.
Secondly, appeal appeal appeal. Cigna is one of those companies that will mark a doctor out of network even though they’re listed on their site as in network. They have also initially denied coverage of medical procedures but after appealing, change their minds. "
If you have no pre-existing and going to get individual or a family plan as well as being relatively healthy, then neither. There might be other options that are significantly better, depending on your case.
It might be a good idea to have a look at alternatives to ACA compliant plans, short term health insurance plans etc. Some of those plans might provide very similar coverage , yet at low monthly premiums.
We suggest this because those ACA-compliant plans on exchanges are really meant for people that are sick and visit the hospital a lot. They’re going to be mixing you in with people that have pre-existing or people that go to the hospital a lot. In turn it will cause your rates and deductible to be high. This is known as a sick policy.
When compared to plans found on the exchange they accept everyone. However some companies avoid claims by post-underwriting claims. Now not all insurance companies and plans are perfect.
You need to be on a healthy policy which would require underwriting however if you have no pre-existing and are relatively healthy there shouldn’t be a problem getting qualified. Plus premiums are reduced since you are grouped with healthy people only which implies less risk and the coverage is generally substantial.
One consumer says- "They have zero negotiated rates with providers until you hit your deductible. They list all hospital based primary care doctors, but none of them have openings for new patients. Oscar and Aetna both covered labs from Quest 100%, pre-deductible. I got a bill this year for $700 from Quest and Bright told me, Sorry but I don’t know what else I need to say, we don’t pay anything until you hit your deductible."
The available products, benefits, and premiums vary between Humana & WellCare. For Wellcare, we can help you with Medicare insurance. For Humana, you should compare different plans and premiums for Medicare, small group, dental, and vision plans.
Call (855) 711-0412 to apply for Cigna & Florida Blue.
Call (855) 711-0412 to apply !
They compete for your business. We make comparing plans easy. You save money & get more coverage! Whether you are looking for an affordable plan that best suits your budget or one that is most comprehensive in terms of network coverage, we got you covered!
Change the way but health Insurance
For some, buying health insurance can be a confusing and overwhelming process. First, you have to find a health insurance plan within your budget. Then you have to contact the company or an insurance agent in order to get a quote. Once you have all of that information, you can evaluate your options. It is a very personal and complicated process, but there are ways to simplify it.