Florida « Health Insurance Advisory

Welcome to the New Healthcare Law Center and State News

new healthcare reform lawThe new healthcare law, called the Patient Protection and Affordable Care Act (PPACA), represents comprehensive healthcare reform legislation signed into law on March 23, 2010. It contains numerous provisions designed to protect consumers and promote low cost medical insurance, including many new taxes to pay for the cost.

In this section of the site, you can also obtain the following information specific to your state: available medical insurance options, efforts to regulate medical insurance premiums, healthcare, the individual medical insurance marketplace and the new healthcare law.

Our objective is to help Americans make sense of the new healthcare law by explaining key provisions in plain English and assisting individuals, families and the self-employed in using this information to find and secure affordable medical insurance.

Low Cost Medical Insurance with an HSA

Health Saving Accounts (HSAs) paired with a high deductible medical insurance plan have significantly gained in popularity over the past several years for self employed individuals, families and employers of all sizes. These consumer driven health plans (CDHPs) offer low cost medical insurance and often lower out of pockets costs than traditional health insurance plans. In 2005, total HSA enrollment was only 1 million persons, while 11.4 million individuals as of January 2011 were enrolled in an HSA coupled with a high [...]

Read More » Authored by Pete S - Sr. Staff Writer in Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Health Saving Accounts, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Montana, Nebraska, New Hampshire, North Carolina, Ohio, South Carolina, Tennessee, Texas, Vermont, Wisconsin | Comments Off

Top 10 Private Health Plans

The National Committee for Quality Assurance (NCQA) recently published the results of their annual survey, called “NCQA’s Health Insurance Plan Rankings.” It evaluated 390 health plans in three categories: 1) Medicare, 2) Medicaid and 3) Private (commercial) Health Insurance Plans. While the rankings are predominantly focused on quality, consumers must still do their own homework to determine if a particular health plan provides affordable medical insurance. For individuals seeking enrollment in a Health Maintenance Organization (HMO), this report is useful [...]

Read More » Authored by Pete S - Sr. Staff Writer in Colorado, Florida, Maine, Massachusetts, New Hampshire, Pennsylvania, Rhode Island, Wisconsin | Comments Off

New law to promote affordable medical insurance- Will it work?

Health insurance companies are now required to post explanations of premium increases of 10% or more and submit them for review to state and federal regulators. This mandate is required by the new healthcare law. By requiring health insurance companies to justify premium increases, there is greater price transparency and increased public pressure to keep rates lower in order to avoid bad press. The new law still has a loophole though. Even if government officials consider the premium increase unjustified, the [...]

Read More » Authored by Pete S - Sr. Staff Writer in Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Florida, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Premium Increases - New Healthcare Law, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, Washington, West Virginia, Wyoming | Comments Off

Florida rejects federal funds tied to implement new healthcare law

Florida Republican Governor Rick Scott, who spent at least $5 million of his own money opposing the U.S. health insurance and healthcare overhaul, may press state lawmakers to reconsider some of at least $17 million of federal aid they didn’t budget because it’s tied to the revamp. He is deciding whether to ask the Republican controlled Legislature to allow $2.1 million of U.S. grants to be spent on home care for the elderly and needy that it voted down in June, [...]

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Medical Insurance Options – Florida

Having adequate, affordable medical insurance is essential because it helps ensure access to quality healthcare and helps pay for the high cost of medical services, supplies, surgery and hospitalization. You and your dependents may be eligible for one or more of the following alternatives in Florida: Medical insurance for young adults less than age 26 – Florida Under the new healthcare law, called the Patient Protection and Affordable Care Act (PPACA), effective September 2010, young adults covered their parent’s medical insurance are [...]

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Regulation of Medical Insurance Premiums – Florida

The oversight of individual, self-employed and small employer medical insurance happens at the state level. Since every state has its own unique set of regulations aimed at maintaining low cost medical insurance, the laws governing health insurance contracts vary dramatically. Some states have the authority to disapprove a health insurance company’s premium increase, while others simply review rates but do not have the authority to reject an increase. The laws also differ based on the type of medical insurance policy [...]

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Florida State Health Ranking

Florida ranked 37th in the nation for health status in 2010. Health is a result of our behaviors, our individual genetic predisposition to disease, the environment and the community in which we live, the clinical care we receive and the policies and practices of our health care and prevention systems. Each of us, individually, as a community, and as a society, strives to optimize these health determinants, so that all of us can have a long, disease-free and robust life [...]

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