Florida added new health insurance plans?
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Yes, Florida has added new health insurance plans that leave out some benefits and do not cover certain mandates that were previously required.
Their goal is to allow for health insurance to be more affordable for basic healthcare needs and other various catastrophic illnesses. It is at least an attempt to begin to reach out to consumers who are uninsured and/or in transition from one employer plan to another. The State of Florida is not reinventing the wheel, but by removing these mandates, it is allowing for insurers not to have to actually include the risks associated therein.
As I see it, healthcare includes three pieces; (a) our responsibility individually to take care of our health, (b) our responsibility to manage our basic healthcare consumption and to do it through quality and economically affordable means, and (c) insurance for coverage for the unforeseen and large healthcare expenses that we should hope never to have to experience.
Managing risk is a combination of efforts, healthcare insurance companies and our government must do its part but so should we.
In any case, Florida, which includes six major metropolitan areas such as Miami Dade, Broward Fort Lauderdale, Palm Beach, Orlando, Tampa, and Jacksonville, has a large uninsured population.
Carriers like United HealthCare, Blue Cross, Humana, Aetna, amongst others are running to hopefully reach these consumers.
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