Health Insurance Plans

 Florida Blue and Florida Health Care Plans are the Lowest Cost Plans in 2017 for Most of Florida

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2017 Florida Blue and Florida Health Care Plans – Healthcare Reform Plans

What’s the difference between an HMO and a PPO Plan? Click here for a short informative video.

See below for a complete listing of available plans – You can view a Summary of Benefits for each plan

The plans listed are available with different Networks: Florida Health Care Plans, Blue Select, Blue Care, Blue Options and myBlue. Check with your personal Berlin & Denys Insurance agent or the provider directory to be sure your doctors and hospitals are in the network for the plan you choose.

Many plans are available on Marketplace and Off Marketplace. What you pay in premiums may be based on your income and family size. Based on your income and family size you may qualify for a subsidy in the form of an Advanced Premium Tax Credit. Plan availability is also based on income.

There are four metal levels. Platinum is the highest level and has a 90/10 actuarial value. This means your plan will pay about 90% of your insurance claims and you will be responsible for about 10%. Gold plans have an 80/20 actuarial value; Silver plans 70/30 and Bronze plans 60/40. Cost Share Reduction plans are available with Silver medal level plans. If your income is 100% to 150% of the Federal Poverty Level you qualify for a “C” variation plan where the actuarial value is increased to 94%. People with incomes between 150% and 200% of FPL can enroll in a “B” variation plan where the actuarial value is increased to 87%; and people with incomes between 200% and 250% FPL can enroll in an “A” variation plan where the actuarial value is increased to 73%.

If you are under 218% of the Federal Poverty Level (FPL) with children, those children will have to access Healthy Kids or a state program. You are also eligible to purchase an unsubsidized plan. As always if you have questions about any of this please contact your Berlin & Denys Insurance agent at 800-946-3303.

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See All 2017 Florida Blue Plans (Both On and Off the Exchange) Click Here

 

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See On-Exchange 2017 FHCP Plans (Plans that qualify for a subsidy) – Click Here

See Off-Exchange 2017 FHCP Plans (Plans that don’t qualify for a subsidy) – Click Here