Family Health Insurance FloridaAffordable care Act Florida Rates

If you are in need of Individual and Family Health Insurance Florida outside the Market Place, or so-called Obamacare, due to your household total income, we can help you apply with our Medical Companies carriers such as AV-Med, Molina Insurance, Blue Cross Blue Shield of Florida 

Advantages of Affordable Care Act 

  • Insurance companies must cover your pre-existing medical conditions.
  • No annual coverage limits per member
  • Children are eligible for coverage on their parent’s policy until age 26.

 Health Insurance Plans & Benefits

Individual Medical Insurance plans HMO and PPO contain 10 Essential Health Benefits such as:

  • Preventative care
  • Maternity and newborn care
  • Lab testing and services
  • Hospitalization
  • Rehabilitation services
  • Dental care options
  • Pediatric care
  • Prescription drugs
  • Mental health care
  • Emergency Room Care

 Avoid Tax Penalty Fees in 2018

If you do not obtain Medical Insurance coverage during the year 2017, you will pay the higher of these amounts:

  • 2% of the total household income, or
  • $695 per Adult, $347.50 per child under age 18, The maximum penalty per family using this method is $2,085.00

Understanding Medical Insurance Plan Types

The type of medical coverage you get is still your choice

HMO: provides access to certain doctors and hospitals within the insurance company network. A network is a group of Medical providers that have agreed to lower their health service rate for members, meeting at the same time quality standards, some key points about HMO’s:

  1. You need to pick a primary care physician (PCP)
  2. You need to obtain a referral from your PCP to see a Specialist
  3. There is coverage outside the network for only Emergency Room
  4. HMO has low premium

PPO: provide more flexibility when choosing a doctor or hospital, PPO also features a network of providers. However, there are fewer restrictions on seeing non-network providers. PPO does cover medical expenses outside the network at a lower rate. Some key points about PPO’s”:

  1. You can utilize doctors and hospitals outside the network or during your trip outside the State. However, the benefits will be paid a lower rate
  2. You can seek medical care from specialists you’d like without having to see your PCP first
  3. Premium normally is higher than HMO
  4. Co-Insurance and Co-Payment are payable lower than the HMO

How much it cost Family Health Insurance Florida?

To learn more about Individual and Family Health Insurance, please call G. Zein Insurance Services now at (954) 454-9599 or (866) 454-9555 or email your request to

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