Finding Affordable Florida Health Insurance Coverage Starts Here!

Peoples First Helps You Stay Insured and in Budget so You Can Focus on What Matters

Living without health insurance can leave you vulnerable to unexpected medical costs, potentially leading to a perilous financial situation. It’s a reality many Floridians know too well. But there is a silver lining: financial assistance for health insurance coverage has considerably increased since 2014. Thanks to the Affordable Care Act (ACA), numerous Americans have been able to secure affordable insurance, lessening the burden of unforeseen medical expenses. 

Applying for a health insurance plan isn’t just about your finances; it’s about ensuring your well-being. At Peoples First Insurance, we’re committed to simplifying this crucial process, guiding you through the Florida insurance marketplace to help you secure appropriate Florida insurance.

Key Takeaways

  • Understanding Insurance Types: It’s important to know what you’re buying. We’ll explain HMOs and PPOs, and the difference between them, so you can make an informed decision.
  • Increased Coverage and Affordability: We’ll provide insight into how the ACA marketplace offers cost-effective solutions to help you secure the most affordable health insurance.
  • Specialized Coverages: We’ll address common questions related to specific coverage items, like prescription medications or mental health services, to ensure you fully understand the extent of your health insurance benefits.
  • Local Expertise: Whether you need health insurance in Panama City, FL, or any other part of the Sunshine State, we leverage our local expertise to assist you with selecting your Florida health solutions.

At Peoples First, we’re more than just an insurance agency. We’re your partners in ensuring your health and wellness, committed to finding you robust, affordable coverage that meets your needs.

Get a Free Florida Individual Health Insurance Quote Today!

Whether you’re ready to receive a personalized quote for Individual Health Insurance or simply have questions about your coverage, our team at Peoples First Insurance is here to help. No matter where you are in your insurance journey, under 65 or aging into Medicare, feel free to reach out to us for expert guidance and assistance tailored to your unique needs.

Got Questions? Give Us a Call!

Discover Affordable Coverage! Request Your No-Obligation Quote Today!

Unraveling the Advantages of Personal Health Insurance Plans

Personal health insurance plans, like those provided by Florida Blue, are designed to safeguard your health and financial well-being. The fundamental coverages they offer span a broad spectrum, providing an essential safety net for various health concerns. Below, we outline some of the basic coverages typically included in these plans:

  • Preventive Care: These plans often cover preventive services such as immunizations and wellness check-ups. These services aim to keep you healthy and detect potential health issues early, thereby reducing the risk of more severe health complications down the line.
  • Emergency Services: In the event of a sudden illness or injury, health plans typically cover services rendered in the emergency room or urgent care centers, providing you peace of mind during distressing situations.
  • Hospitalization: Should you require hospital stay for surgery, overnight observation, or any other reason, your health insurance may cover these costs. This includes everything from room charges to the costs of tests and procedures performed during your stay.
  • Prescription Medicines: From routine medications to specialized treatments, most health plans include prescription drug coverage. This is crucial as it makes necessary medicines more affordable.
  • Mental Health Services: Comprehensive health plans recognize the importance of mental health and often cover services related to mental health care, such as therapy or counseling sessions, ensuring you receive holistic care.
  • Chronic Disease Management: Health plans typically provide coverage for the management of chronic conditions like diabetes or heart disease. This includes regular check-ups, treatments, and ongoing care necessary to manage these conditions.
  • Specialized Coverages: Many insurance plans include additional, specialized coverages, addressing specific concerns. For instance, plans under Florida Blue may cover medication for erectile dysfunction, helping address an often overlooked yet significant aspect of men’s health.

Personal health insurance plans offer a safety net, allowing you to focus on your health instead of worrying about the financial implications. Whether you’re navigating the ACA marketplace for the first time or trying to understand what a PPO insurance plan entails, our team at Peoples First is here to guide you through the Florida insurance marketplace to find the most affordable health insurance that meets your needs.

Guiding You to the Right Health Insurance Plan

Choosing the right health insurance plan is a crucial decision, and one that can be simplified by understanding your unique healthcare needs. The process can seem daunting, especially when trying to understand key elements like deductibles and co-pays. At Peoples First, we’re here to make this process easier for you.

Our experienced team can help demystify these elements and guide you in comparing the different options available. Whether you’re exploring the ACA marketplace, or navigating through Florida Medicare, we provide the expertise you need.

We’re dedicated to helping you find the most affordable health insurance that aligns with your unique needs. Our goal is to ensure your health insurance plan provides you with peace of mind and the necessary coverage, all within your budget.

With Peoples First, finding the right health insurance plan becomes straightforward. We’re here for you every step of the way.

Did You Know?

  • Price Consistency: Regardless of where you purchase your policy – directly from the insurer, through an exchange, or via an independent agent – the cost remains the same. You can confidently explore all options without worrying about price discrepancies.
  • The Value of Expertise: An experienced agent can significantly streamline your search for health insurance. By understanding your needs through a few simple questions, they can present the most beneficial plans for you, providing expert advice to help you make an informed decision.
  • Personalized Assistance: Need help? You don’t have to navigate the complexities of health insurance alone or spend hours on the phone with a distant call center. At Peoples First, we’re here to provide personalized assistance, ensuring you have the help you need when you need it the most. We’re more than just an insurance agency; we’re your partner in finding Florida health solutions for you.

Navigating Your Options: HMO vs PPO Health Insurance Plans

When exploring health insurance options, you’ll often come across two main types: Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. Each has its unique benefits and drawbacks, and understanding these can help you make an informed choice.

PPO Health Insurance Plans

Preferred Provider Organization (PPO) plans offer flexibility when choosing your healthcare providers. They do not require you to choose a primary care physician, and you have the freedom to visit any health care professional you want without a referral—inside or outside of your plan’s network. Staying inside your network means smaller copays and maximum out of pockets. If you choose to go outside of your network, you’ll still receive coverage, but it will likely be at a higher cost share, and you’ll be responsible for a higher out-of-pocket cost. PPO plans might be right for you if you want greater provider flexibility and don’t mind paying a bit more for it.

HMO Health Insurance Plans

Health Maintenance Organization (HMO) plans tend to be more affordable but restrict your network of doctors and hospitals. In an HMO plan, you must select a primary care physician (PCP) who becomes your main point of contact for all health-related issues. This means you need a referral from your PCP to see a specialist. If you choose to see a doctor outside of your HMO network, you’ll likely have to cover the entire cost out-of-pocket, except for certain emergency situations. If you prioritize lower premiums and a simpler healthcare approach, an HMO plan might be a good fit.

Your choice between an HMO or PPO will largely depend on your budget, healthcare needs, and preferred level of flexibility. At Peoples First, we’re here to guide you through these decisions, helping you understand the nuances of each plan and choose the one that fits your needs and circumstances.

“No matter your employment status, securing health insurance is possible with Peoples First. We specialize in finding both short-term and long-term solutions, ensuring you’re covered at every career stage.”

Embrace Affordable and Tailored Coverage with Florida Blue Health Plans

When exploring health insurance options, you’ll often come across two main types: Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. Each has its unique benefits and drawbacks, and understanding these can help you make an informed choice.

We’re proud to specialize in offering individual health insurance policies through Florida Blue (Guidewell), the largest health insurer in the state1. Our goal is to help you choose a health plan that meets the standards of the Affordable Care Act, along with your family’s needs and budget.

Navigating through numerous health plans can be overwhelming, but we’re here to guide you. We can help determine if you qualify for a premium tax credit, pinpoint the type of coverage you need based on your unique situation, select deductible and copay/coinsurance levels that work for you and establish a monthly premium that fits your budget.

Florida Blue plans come with the assurance of over 75 years of high-quality customer care, service, and stability. Here’s a brief overview of the plan categories available from Florida Blue:

  • Essential Plans: These offer lower monthly premiums. You’ll be responsible for a deductible and coinsurance for all health care services. Preventive care is covered at no cost and most prescription drugs are covered after meeting your deductible and copays.
  • Essential (HSA) Plans: These can be combined with a tax-free Health Savings Account. You’ll pay a deductible and coinsurance for all health care services, with preventive care covered at no extra cost. Most prescription drugs are covered after your deductible and copays.
  • Everyday Plans: These feature copays for primary care visits and a range of cost-sharing options for all other health care services and prescription drugs.
  • All Copay Plans: These offer a $0 deductible and fixed copays for all covered health care services.

With Florida Blue, you have the opportunity to find a plan that’s tailored to your needs, ensuring you have the most affordable health insurance. We’re here to help you understand and navigate the Florida insurance marketplace for the perfect fit.

Affordable Care Act Plans: Broadening the Reach of Healthcare

The Affordable Care Act (ACA) extends healthcare access to millions of Americans, offering a range of plans that can provide coverage based on different income levels, family sizes, and individual health needs. Through the ACA, you’re not only protected against high healthcare costs but also offered ways to save money potentially.

One simple way to maintain affordable insurance costs is by practicing safe habits in your daily life. For example, avoiding risky activities such as reckless boating can prevent potential accidents, which in turn could lead to decreased insurance costs.  Keep in mind that your premium is not dependent on risk but your service costs are.

At Peoples First, we’re dedicated to helping you uncover possible discounts and securing the most affordable health insurance. Our specialists are adept at navigating the ACA marketplace, identifying plans that suit your needs, and finding ways to make your coverage more cost-effective.

As ACA plans can change yearly, it’s important to review your options each year during the ACA Open Enrollment period. To learn more about ACA Open Enrollment and how it may impact your coverage, please visit our ACA Open Enrollment Page. Remember, we’re here to guide you through each step of your health insurance journey, ensuring that you’re not just covered but also confident in your coverage.

Navigating Florida Medicare: Comprehensive Health Coverage for Seniors

Medicare is a federal health insurance program designed primarily for individuals who are 65 years or older. Medicare can also provide coverage for certain younger individuals with disabilities and those with End-Stage Renal Disease (ESRD).

Medicare coverage is split into different parts, each offering different types of care. From hospital insurance (Part A) and medical insurance (Part B) to prescription drug coverage (Part D), these plans serve to make healthcare services more accessible and affordable for eligible individuals.

At Peoples First, we understand that navigating the intricacies of Medicare can seem overwhelming. That’s why we’re committed to helping you understand and explore your options, ensuring you have all the necessary information to make informed decisions about your healthcare coverage.

If you’re nearing the age of 65, already enrolled in Medicare, or assisting a loved one with their Medicare options, we’re here to help. To learn more about how we can guide you through your Medicare journey, please visit our Peoples First Medicare Services Page.

Exploring Supplemental Health Insurance: Extra Protection for Your Peace of Mind

Supplemental health insurance is a type of coverage designed to provide additional benefits that may not be included in your main health insurance plan. These plans can help cover costs associated with a specific illness or life event, or fill gaps in your existing health insurance coverage. Here are some types of supplemental health insurance:

  • Accident Insurance: This plan provides additional coverage in case of an accident that leads to injury. It can help cover costs not fully covered by your primary health insurance, such as copayments, deductibles, or non-medical expenses related to the accident.
  • Critical Illness Insurance: If you’re diagnosed with a specified illness such as cancer, heart attack, or stroke, this coverage provides a lump-sum cash benefit that can be used to help pay for treatment costs, living expenses, or any financial obligations you might have.
  • Hospital Confinement Insurance: If a covered illness or injury results in hospitalization, this insurance provides a daily, weekly, or monthly benefit while you’re in the hospital. It’s designed to help offset the loss of income during your stay.

Consideration of these additional plans should be based on your personal health risk factors, financial situation, and the out-of-pocket expenses your primary health insurance plan may not cover. Supplemental health insurance can provide peace of mind, knowing you have extra financial protection in case of an unexpected health event. At Peoples First, we’re here to help you understand and evaluate these options, ensuring your coverage aligns with your unique needs.

Navigating Florida Health Insurance Enrollment and Renewal

Securing your health insurance coverage in Florida hinges on understanding the enrollment and renewal process. For individuals under 65 and not on Medicare, there’s an annual Open Enrollment Period, typically from November 1st to January 15th, for you to enroll or make changes to your plan. Renewal is an opportunity for existing members to review their plans and make necessary adjustments. Outside this period, you may qualify for a Special Enrollment Period if you experience a major life event which also allows you to make changes to your plan.

Regardless of your situation – first-time enrollment, renewal, or navigating a Special Enrollment Period – Peoples First simplifies the process, providing step-by-step guidance.

Deciphering Health Insurance Costs and Savings Opportunities

The cost of health insurance varies significantly based on several factors, including your age, location, tobacco use, and the number of people on the plan. It’s composed of different elements:

  • Premium: This is the amount you pay monthly for your health insurance, regardless of whether you use medical services or not.
  • Deductible: This is the amount you pay out-of-pocket for healthcare services before your health insurance begins to cover costs. Some plans offer a $0 deductible; others have a much higher dollar amount.
  • Copayments and Coinsurance: These are your share of the costs of a healthcare service, usually paid when you receive the service.

While these costs can add up, several opportunities can help you save on health insurance:

  • Tax Credits: Depending on your income, you may be eligible for a premium tax credit that can lower your monthly insurance payment.
  • Cost-Sharing Reductions: If you qualify, these reductions can lower the amount you have to pay out-of-pocket for deductibles, copayments, and coinsurance.
  • Choosing the Right Plan: Plans with lower monthly premiums typically have higher out-of-pocket costs when you need care. On the other hand, plans with higher premiums usually have lower out-of-pocket costs. Understanding your healthcare needs can help you choose a plan that provides the most cost-effective balance for you.
  • Preventive Care: Most health plans must cover a set of preventive services, like vaccines and screening tests, at no cost to you.

Navigating the complexities of health insurance costs can be challenging, but Peoples First is here to help you understand your options, find potential savings, and choose a plan that suits your financial and healthcare needs

Peoples First: Your Trusted Partner in Health Insurance

Navigating the complex world of health insurance doesn’t have to be daunting. At Peoples First, we bring local expertise, personalized service, and a deep understanding of Florida health insurance to the table. As an authorized Florida Blue agency, our knowledgeable agents are thoroughly versed in Florida Blue plans and can guide you seamlessly through the insurance landscape.

From understanding the benefits of individual health plans, to choosing the right plan that fits your unique needs, and deciphering the costs and potential savings, we’ve got you covered. Our services extend beyond plan selection and enrollment – we provide ongoing support to ensure you continue to feel confident and secure in your coverage.

Your health is your most important asset. Protect it with the help of experts who care about your well-being.

Ready to explore your health insurance options? Get expert guidance today with Peoples First. We’re here to simplify your health insurance journey. Start yours now.


How much does health insurance cost for a single person in Florida?

The cost of health insurance varies based on factors such as age, location, tobacco usage, and plan type. Only an estimate based on your unique family will provide you with how much coverage will be for you.

What is a deductible in health insurance? 

A deductible is the amount you pay out-of-pocket for healthcare services before your health insurance begins to cover costs. For example, if your plan has a $1,000 deductible, you’ll need to pay the first $1,000 of the costs for the services covered by your plan.

Are health insurance premiums tax-deductible?

Health insurance premiums can be tax-deductible in certain circumstances. If you’re self-employed, you may be able to deduct premiums for any month in which you weren’t eligible for a group health plan. Additionally, if your total healthcare costs (including premiums) exceed 8.5% of your adjusted gross income, you may be able to deduct the amount that exceeds this threshold. 

Please note that tax rules can change over time, and it’s essential to stay up-to-date with the latest information. As tax regulations may vary and individual circumstances differ, we strongly advise consulting a qualified tax preparer or tax professional to ensure accurate and personalized guidance on deducting health insurance premiums and other healthcare costs on your tax return.

Will I get penalized for having no health insurance in Florida?

As of 2019, there is no federal penalty for not having health insurance. However, it’s important to have health coverage to protect against high medical costs.

How do I get health insurance if I miss open enrollment?

If you missed the Open Enrollment Period, you might qualify for a Special Enrollment Period (SEP). If you’ve experienced a qualifying life event such as marriage, birth or adoption of a child, loss of other health coverage, or moving, you may be eligible to buy coverage outside open enrollment.

Men’s Health Insurance FAQs

Is Viagra® covered by insurance?

Coverage for Viagra® varies depending on the individual insurance policy. Some plans may cover the cost of Viagra®, while others may not and some may only cover it in generic form. It’s important to check the specifics of your plan or consult with your insurance provider for accurate information.

Does Blue Cross Blue Shield cover erectile dysfunction?

Coverage for treatments for erectile dysfunction, like Viagra® or Cialis® or their generic equivalent, depends on your specific plan. Some plans may offer coverage, while others might not. To find out if your plan covers these treatments, it’s best to consult your policy’s prescription drug coverage formulary, or contact us for more information regarding your plan.

Does Health Insurance Cover Prostate Screenings?

Many states mandate private health insurers to cover prostate cancer screenings, like the PSA test and digital rectal exam. However, the regulations can differ by state, and some only apply to men over 50 or high-risk individuals over 40. As coverage specifics can vary, we recommend you contact us to understand your plan better or to find one that suits your needs.

How often will insurance pay for PSA test?

Coverage for the frequency of prostate cancer screening tests can vary by state and insurance provider. Many states ensure annual coverage for men aged 50 and over, and for high-risk men aged 40 and over. If you have any doubts about the frequency of covered screenings, please don’t hesitate to contact us for more information regarding your plan.

Women’s Health Insurance FAQs

Are mammograms usually covered?

Under the Affordable Care Act (ACA), most private health insurance plans must cover screening mammograms every one to two years for women starting at age 40, without out-of-pocket costs such as co-pays, deductibles, or co-insurance. To better understand your specific coverage, we encourage you to contact us.

Will insurance cover a mammogram before 40?

For high-risk women under the age of 40, health insurance usually covers mammograms and other screenings like breast ultrasound or breast MRI, as recommended by expert medical guidelines. However, deductibles, coinsurance, and copays often apply, and full coverage isn’t mandatory, so be sure to consult with an insurance specialist for details.

Is birth control covered by individual health insurance?

Most health insurance plans under the Affordable Care Act are required to cover FDA-approved contraceptive methods and counseling for women, as prescribed by a healthcare provider. These services must be provided without copayment or coinsurance when offered by an in-network provider. However, the types of birth control covered may vary depending on the specific plan, so it’s important to confirm with an insurance provider.

Are prenatal and maternity care covered under individual health insurance plans?

Routine prenatal, childbirth, and newborn care services are considered essential benefits under the ACA, and all qualified health insurance plans must cover them, regardless of whether your pregnancy started before your health coverage did. However, the specifics of what services are covered can vary between insurance providers, so it’s always a good idea to speak with your doctor or insurance provider for more information.