Uninsurable in Florida? Health Insurance Plans You Need to Know About

If you find yourself uninsurable in Florida, what can you do? “Uninsurable” is the latest term that is prominent in the health insurance industry today and refers to someone who does not qualify for health insurance for a variety of reasons. If you are uninsurable in Florida, there are some health insurance plans you need to know about.

What Makes You Uninsurable in FL

First of all, it is important to understand what types of situations make you uninsurable. Some are within your control, others are not. Being dishonest on a health insurance form is the number one way Americans become uninsurable. Health insurance companies will follow up on the information you provide in an application. It is very important to be honest both to get the coverage you need and to avoid becoming uninsurable in the future.

Another way that Americans become uninsurable is due to weight. Being overweight can lead to a variety of problems including heart disease, breathing problems, high blood pressure, and type 2 diabetes. Insurance companies know this and do not want to insure people who are almost sure to need involved medical care. The only way to avoid this aspect of being uninsurable is to lose weight and reapply.

The third main reason Americans become uninsurable deals with hospitalization. If you have had a recent hospitalization for something other than an emergency, then you will most likely be uninsurable for a period of time. The insurance company wants to see proof that you have gone to a doctor after your hospitalization and have done what is within your power to avoid future hospitalizations.

Another reason someone is considered uninsurable is due to a pre-existing condition. Some companies will not insure you at all if you have a pre-existing condition, while others will assign you a waiting period just for that condition. A pre-existing condition is any condition you have already been diagnosed with or have received treatment for. Waiting periods for pre-existing conditions vary from company to company.

Your Options When Considered Uninsurable in Florida

If you find yourself uninsurable because of one of the reasons listed here or another reason, there are options for you. The first option is to get public health insurance. If you qualify, you can not be turned down by public health insurance just because of a health issue. For those under the age of 65, Medicaid is available for those meeting income level guidelines.


Medicaid helps many individuals and families who find themselves without health insurance or who are uninsurable for a variety of reasons. Eligibility requirements include living expenses, assets, family size, and income. There are many different companies that have contracted with the state of Florida to provide health insurance coverage through Medicaid. This gives you the flexibility to choose your plan and doctor.

Cover Florida

Another option for the uninsurable is Cover Florida. Cover Florida is a government designed plan, but not a government run plan. This plan was designed for those who cannot afford a traditional plan or may not be accepted by a traditional plan. Eligibility requirements do apply, however, there are no health questionnaires or past medical histories to give. This plan is also contracted out to health insurance companies and the choice of companies is based on which county you live in. It is a good option for those who are uninsurable with other companies.

Secure 12×3 Plan

Another option for those who are uninsurable is a Secure 12×3 Plan. This plan is for individuals who have lost their coverage in the last 63 days and cannot find a company that will insure them for any reason. Your most recent coverage needed to be under a group plan through an employer or organization and you must not be eligible for public health care. If you meet all of these eligibility requirements, you can apply for a Secure 12×3 Plan.

This plan is not just for uninsurable individuals, it is also for their spouses and dependents. The Secure 12×3 Plan covers you for 3 to 12 months depending on eligibility. It gives you the choice of any doctor or hospital, a discount prescription drug card, and a choice of deductibles at $500, $1,000, $2,500, and $5,000. Monthly premium payments can be made by debit card, credit card, check, or automatic monthly bank draft.

FL Risk Pool Plan

The final option available for the uninsurable is a Risk Pool Plan. These plans are run by individual insurance companies within each county. Companies participating in this take all the applications they receive from uninsurable individuals and create a risk pool group. This group can then be covered under a group plan. Premiums for this are much higher than traditional plans and there is often a waiting period, but it does offer quality coverage.

Find the FL Health Insurance Coverage You Need!

In order to decide if one of these options is right for you, you can use the FL health insurance comparison tool on this page to compare rates and quotes from top companies. These rates and quotes will help you find a company that supplies the coverage you need at an affordable price. If you still need assistance after using the tool, you can call one of our independent FL health insurance agents who can answer any questions you still have. Take just seconds to type your zip code into the box and get started here and now!