Florida is one of the states with the highest incidence of residents that lack Health Insurance coverage. In 2008 it was estimated that 2 out of 10 residents in Florida did not have any sort of Health Insurance plan, and the bad news is that this percentage is probably going to increase in 2009. Accessibility is definitely one of Florida’s biggest challenges when it comes to Health Care and Health Insurance.
State officials need to reinforce and implement new plans and policies to increase the number of people with Health Insurance coverage in Florida. Only half of the employers in this state offer some sort of Health Benefits plan (a number that has also been decreasing in recent times), and about 8 in 10 employees take advantage of these plans offered. Geographical disparity in the state is also high, which doesn’t help with the accessibility issues.
Although the percentage of Florida residents with Health Insurance coverage is lower than other states in the country, Health Care is accessible when needed, with 85% of Floridians getting Health Care when needed. It’s a big issue for people lacking Health Insurance Coverage; as for them it means paying the Health expenses out of their own pocket when they need them. Federally Qualified Health Centers are available, but are not very accessible, with only 12 percent of the population living under the 200% FPL having access and taking advantage of them.
If you are seeking for a Health Insurance plan for you and your loved ones, be sure to check with the Florida Office of Insurance, the entity responsible for health insurance policies, that any companies or agents you’re interested of purchasing with have the mandatory licenses. It’s important to take into consideration that health insurance in this state is not Federally regulated, so it’s vital to know and understand all individual state requirements.