Florida’s public health insurance plans offer low-cost or completely free health insurance coverage. It refers to government-sponsored health insurance plans in Florida, like Florida Medicaid, Medicare, and Florida Children's Health Insurance Program.
As of 2023, Florida continues to reject the federal expansion of Medicaid. When the COVID-era temporary expansion ended in March of 2023, up to 2 million Florida residents were expected to lose coverage.
Medicaid is a federal and state government-sponsored health insurance program that provides free and low cost health coverage. It provides health coverage for a selected group of people (like pregnant women, children, seniors, and disabled adults) in the state that earn low wages. This policy aims to improve the health of individuals who cannot afford medical care for themselves and their kids. The Agency for Health Care Administration administers Medicaid services in Florida. To qualify for Medicaid in Florida, you must be living in Florida and a U.S. national, citizen, permanent resident, or legal alien, requiring health care/insurance assistance, with low income. In addition, you must meet any of the following requirements:
In Florida, individuals on Medicaid plans are enrolled in the Statewide Medicaid Managed Care program, which has three parts:
Medicare is a federal program that subsidizes ACA-compliant healthcare services for individuals aged 65 years or older or specific young people with disabilities. While not free, Medicare plans offer affordable health insurance coverage. In 2023, over 4.9 million people in Florida are using Medicare coverage. To be eligible for Health Insurance through any Medicare program, you must be a United States citizen or a legal resident who has lived in the country for a minimum of five years and fulfill at least one of the following:
There are multiple Medicare plans in Florida that residents can choose from. These plans are designed to help Floridians find the best health insurance coverage option that suits their lifestyles and medical needs. Medicare is divided into Original Medicare (Parts A and B), Part C (Medicare Advantage), and Part D (Prescription Drug). Unlike Original Medicare, Medicare Advantage doesn't have health qualifying questions, so it can be used as a fallback plan if the rates for Medigap or supplemental plans are too high.
In 2023, 47% of Florida’s Medicare users chose Original Medicare and 53% Medicare Advantage.
Florida CHIP, known as Florida KidCare provides health coverage to children and families whose income is too high to qualify for Medicaid, but too low to afford private coverage. Florida KidCare has four state-sponsored programs, including Florida Healthy Kids, Medicaid, MediKids, and Children's Medical Services (CMS). These programs provide continuous coverage for Florida children from birth until after their 18th year. This program covers: