My name is Keith Murray and I sell health insurance for Florida residents. Individual medical insurance in Florida can be confusing and my goal is to help you find the best health insurance policy for you and your family. For the best policy and the best price please click on one of the companies listed below.


Offering individual health insurance for Florida residents. Whether you are working for yourself, working for an employer, uninsured, a single person, or a family, our website allows you to research, compare and apply for quality health insurance in Florida. Fast and Free Florida health insurance quotes from top Florida health insurance companies like Aetna, Cigna, Humana and Golden Rule/United Healthcare.

By clicking on any of the above carriers you can access benefits, rates, and even apply for Florida health insurance online. I am an independent agent for the above carriers and the rates and benefits quoted are the best available. Please feel free to compare each of the above health insurance companies, shop each carrier to find the right choice for you as each carrier's health insurance plans will be different in pricing and benefit.

Whether you are single or married, we have an Individual or family plan health plan that is just right for you! Our HSA’s (Health Savings Accounts), HMO’s and PPO’s are affordable, and allow you to go to any subscribing physician.

By selecting from a variety of deductible and plan options, I can help you SAVE! Click on any of the above carriers for fast, free, health insurance quotes. You will instantly see a variety of low cost, quality health quotes instantly.

Saving money by “buying direct” for many products we purchase is often possible…except with health insurance! Many Insurance Quote Services like to advertise that by “buying direct,” you are saving money. Quite simply, this is not true. Any individual or agency in Florida that offers insurance, must be licensed by the Florida Department of Insurance. No broker or Agency can offer you a “special price” – it’s illegal in Florida to discount a health policy.

Pre-Existing Conditions and Florida Health Insurance
Individual health insurance in Florida is different than group medical insurance in Florida. Individuals must go through a process called underwriting. This is where they calculate the risk of insuring you and your family. Each of the four Florida insurance companies will look at and calculate the risk of any pre-existing conditions that each applicant has in their health history. Sometimes the insurance underwriters go back as far as 10 years.

Some of the health conditions the underwriters look at are cancer, diabetes, high cholesterol, heart disease, and obesity. In many cases, conditions such as diabetes, cancer, heart disease and severe obesity will result in an automatic decline from the health insurance company. But don’t give up, e-mail me, we may have suggestions for you that you have not considered.

I urge everyone to apply. There is no risk and the application process is relatively easy. Many times less severe pre-existing medical conditions such as high blood pressure, mild obesity, high cholesterol, and heartburn/acid reflux may result in a rider being placed on your policy. A rider will exclude coverage for anything related to your specific pre-existing condition. For example, you have a broken leg that you are still undergoing physical therapy. The insurance company may give you coverage but exclude that leg. Riders can be permanent or short term (1-2 years), this will vary by the condition and the insurance company.

Another option the insurance company may take is to rate you up – this means since you are a higher risk, they will charge you more money. When the insurance company issues a "rate up" they will offer insurance coverage that will include the mild pre-existing conditions. The catch is your rate will go up – the rate up amount depends on the underwriting department at the insurance company. They ultimately decide the price and if they will offer you health coverage.

Compare all 4 Florida Health Insurance Companies!
We work with four great health insurance companies - Aetna, Cigna, Humana and Golden Rule/United Healthcare. Please click on each of the above Florida medical insurance providers and see which company will provide you with the best coverage for your money. Have questions, please e-mail me – I am an independent health insurance agent with many years experience and I can help you select which health insurance company is best for you.

What is a Health Savings Accounts - HSA?
A Health Savings Accounts or HSA is a tax favored savings account that is used with a high-deductible HSA compatible health insurance plan. These plans are designed to make healthcare more affordable as well as another way to save money for retirement.

  • Aetna is known nationwide as a leader in the health insurance industry.
Florida HSA Plans
  • Cigna Health Insurance has been helping people in FL lead healthier, more secure lives for more than 125 years. CIGNA offers affordably priced coverage for both HSA and non-HSA coverage in Florida.
Cigna HSA FL
  • Humana offers an excellent value on HSA plans in many areas.  It is often the most attractively priced plan for large families or someone looking for a higher deductible.  In addition to hospitalization, this plan also provides coverage for doctor visits and prescription drugs, which is something many of the lowest priced HSA plans don't do.
Florida HSA Plans
  • UnitedHealthOne/Golden Rule - Golden Rule's experience and expertise has driven the development of easy-to-use and innovative health insurance products.  A recognized leader - and one of the nation's largest providers - of health savings account plans, Golden Rule continues building plans that meet the needs of individuals and families.
Florida HSA Plans

Florida residents can pay for qualified medical expenses with pre-tax dollars and save for retirement on a tax-deferred basis. Depending on your tax bracket this could be similar to receiving a 28% discount on your medical care.

Keith Murray works with Florida health insurance providers that offer health plans compatible with an HSA. I urge you to compare the HSA compatible Florida health plans listed on this page and select the plan that works best for you and your family.

Florida HSA – Health Savings Accounts
The market for HSA plans in Florida is has become very competitive. This works out well for the consumer as there are many good choices. My most popular HSA plans are with Humana, and Cigna. After selecting your HSA health insurance plan, you will need to set up your health savings account. You can set up your account with a local bank in FL, or the carrier can assign one for you. Don’t worry, you can change banks later if you wish.

Health Savings Account Versus Retirement Account
I often suggest Health Savings Accounts for the tax deduction as well as a great way to self insure and save money. The high-deductible health plans that work with the HSA Accounts are commonly known for low premiums.

When you think HSA or Health Savings Accounts think IRA. Both allow annual contributions that can grow with tax-free earnings. Both contributions are tax deductions. The major difference between the two is that HSA money is available today to pay for your medical needs, while the IRA money is not available until after you are 59-and a half.

Health Savings Account Investment Options
Health Savings Accounts allow you to invest your money as you would your IRA. Many people invest their HSA money in bonds, mutual funds and stocks. A bonus with the HSA investments is that that HSA investments can be left in place long after you retire.

With the ever-growing cost of medical intervention, Health Savings Accounts fit modern needs with liquid assets readily available to cover health care for you and your family, while allowing you to build a retirement account at the same time. You'll find extensive resources here with us to explain how to make the most of your own Health Savings Account.

Advantages of a Health Savings Account- HSA
Often times you can save money in the short and long term by: -> Deducting 100% of your HSA contributions from your taxable income -> Having the money in your HSA accrue interest and/or gains on a tax-free basis -> Paying no penalties or taxes when you use your HSA to pay for qualified medical expenses High-deductible HSA compatible health insurance plans generally have a lower premium than a plan with a lower deductible. This saves you money!

How does an HSA work?
To be eligible to contribute to an HSA, you must be covered by a qualified high deductible health plan (HDHP) and have no other first dollar coverage.

You may use your HSA to help pay for medical expenses covered under a high- deductible health plan, as well as for other common qualified medical expenses.

HSA funds unused remain in your account for later, and can be invested in a choice of investment options, providing the opportunity for funds to grow.

HSAs work in conjunction with a HDHP. All the money you (or your employer) deposit into your HSA up to the maximum annual contribution limit is 100% tax-deductible for federal income tax, FICA (Social Security and Medicare) tax, and in most states, state income tax. This makes HSA dollars tax-free.

You can use these tax-free dollars to pay for expenses covered under your HDHP until you have met your deductible. The insurance company pays covered medical expenses above your deductible, except for any coinsurance; you can pay coinsurance costs with tax-free money from your HSA. In addition, you can use tax-free dollars for qualified medical expenses not covered by the HDHP, such as dental, vision and alternative medicines.

The funds in the account also can be used for other, non-medical expenses, but then your dollars are subject to ordinary tax, plus a 10% penalty if you are under age 65. The 10% penalty does not apply if the distribution occurs after you reach age 65, become disabled or die; however ordinary income tax may still apply.

Funds remaining in your account at year-end are yours to rollover and accumulate for your future healthcare expenses. You may choose not to spend your HSA dollars on small expenses, instead using after-tax dollars to meet these expenses, and leaving your HSA dollars to grow for future needs. Choosing the expenses on which to spend your HSA dollars and which to pay out-of-pocket with after-tax dollars is entirely up to you.

What health care expenses does my HSA cover?
Your HSA funds can be used tax-free to pay for out-of-pocket qualified medical expenses, even if the expenses are not covered by your HDHP. This includes expenses incurred by your family.

There are hundreds of qualified medical expenses, including many you might not expect: over-the-counter medications; dental visits; orthodontics; glasses; long-term care insurance premiums; cost of COBRA coverage; medical insurance premiums while receiving federal or state unemployment compensation and post age-65 premiums for coverage other than Medigap or Medicare supplemental plans. In addition, HSA funds may be used to pay your Medicare parts A and B premiums and for employer-sponsored retiree plans.

All of these expenses may be paid for with your HSA funds, free from federal taxes or state tax (for most states).

Refer to IRS Publication 502 for a more complete list of qualified medical expenses.

SCAM alert – Never trust anyone that tells you that you will be automatically approved for a guaranteed issue no questions asked individual health insurance policy. Often times these are merely discount medical plans not real health insurance. Discount health plans are not insurance! Not sure, call the local hospital and ask them if they accept the insurance and if it’s a good policy. The hospital billing department will tell you the truth. If it sounds too good to be true then it probably is.

NEVER purchase a discount health plans, indemnity style health insurance policy or a health policy with a calendar year limits.

The Benefits of working with a real live agent versus an online marketing firm. I am a Florida licensed insurance agent. When you fill out the quote forms or e-mail me you will be working with me and me only. There are many websites that lure Florida health insurance shoppers to complete a form which they sell to 5 or 10 insurance agents. These Marketing Organizations just sell your name and information to other agents. These agents often pay $25 - $50 per lead and will call you, often times calling you repeatedly until you buy from them. We do not sell your information and will not call you unless you ask that we do. No high pressure sales here. No late night calls or calls during dinner here.

Let me help you with your Florida health insurance search. Please click on any of the above companies for fast, free, instant health insurance quotes.!

Facts, General Information, Answers And Key Terms
It is estimated that 45.8 million Americans do not have health insurance. Illness and medical bills caused half of the 1,458,000 personal bankruptcies in 2001, according to a study published by the journal Health Affairs. The study estimates that medical bankruptcies affect about 2 million Americans annually.

Premiums – This is the monthly cost to you. Premium is the price. Plan on this price going up each year. It goes up for 2 reasons, you are getting older and as you age the price goes up. The other reason, inflation. As medical costs go up so does the insurance.

Deductibles - A deductible is the amount you pay the physician before your insurer pays its share of your medical bill. Generally, the larger your deductible is, the smaller your premium. You may wish to consider increasing your deductible in exchange for a lower premium. Higher deductibles are a common way for insurers to make insureds share in the cost of health care.

Copayments - A copayment is the amount you pay when you visit a doctor. Like a deductible, a copayment is a means of sharing the costs of health care to discourage excessive use of benefits. Copayments are often in the range of $20-$50 -- not too much but high enough to discourage frivolous use of your benefits.

Out-of-pocket expenses - Out-of-pocket expenses are the costs you have to pay, in total, before an insurer pays for any remaining amounts. Amounts you pay as deductibles are included in your out-of-pocket expenses, which are kept as a running total. Most health insurance plans also have a yearly maximum for out-of-pocket expenses that you have to pay. Once you have reached your maximum for the period, you're usually done paying for that period.

Florida KidCare - Through Florida KidCare, the state of Florida offers health insurance for children from birth through age 18, even if one or both parents are working. It includes four different parts. When you apply for the insurance, Florida KidCare will check which part your child may qualify for based on age and family income. Please visit http://www.floridakidcare.org/ for more information.

What Florida Cities and Counties do you cover?
I am based in Jupiter, Florida – Palm Beach County. I work with and have clients all over the state of Florida. From Key West to Pensacola and everywhere in between I can help you save money on your health insurance.

If you live in any of these locations....we probably sold an insurance policy to one of your neighbors.

Miami-Dade County Florida Health Insurance – Aventura, Bal Harbour, Bay Harbor Islands, Biscayne Park, Coral Gables, Cutler Bay, Doral, El Portal, Florida City, Golden Beach, Hialeah, Hialeah Gardens, Homestead, Indian Creek, Islandia, Key Biscayne, Medley, Miami, Miami Beach, Miami Gardens, Miami Lakes, Miami Shores, Miami Springs, North Bay Village, North Miami, North Miami Beach, Opa-locka, Palmetto Bay, Pinecrest, South Miami, Surfside, Sunny Isles Beach, Sweetwater, Virginia Gardens, West Miami
Broward County Florida Health Insurance - Parkland, Coconut Creek, Deerfield Beach, Coral Springs, Margate, Pompano Beach, Lighthouse Point, Hillsboro Beach, Tamarac, North Lauderdale, Lauderdale-by-the-Sea, Village of Sea Ranch Lakes, Oakland Park, Wilton Manors, Village of Lazy Lake, Fort Lauderdale, Lauderdale Lakes, Lauderhill, Sunrise, Plantation, Weston, Davie, Dania Beach, Hollywood, Southwest Ranches, Cooper City, Pembroke Pines, Miramar, West Park, Pembroke Park, Hallandale Beach.
Palm Beach County Florida Health Insurance - Pahokee, Belle Glade, South Bay, Village of Tequesta, Jupiter Inlet Colony, Jupiter, Juno Beach, Palm Beach Gardens, Village of North Palm Beach, Lake Park, Riviera Beach, Palm Beach Shores, Mangonia Park, Palm Beach, West Palm Beach, Haverhill, Glen Ridge, Cloud Lake, Village of Palm Springs, Lake Clarke Shores, Village of Royal Palm Beach, Village of Wellington, Greenacres, Atlantis, Lake Worth, South Palm Beach, Lantana, Manalapan, Hypoluxo, Boynton Beach, Ocean Ridge, Village of Golf, Briny Breezes, Gulf Stream, Delray Beach, Highland Beach, Boca Raton, Loxahatchee Groves.
Martin County Florida Health Insurance - Jupiter Island, Ocean Breeze Park, Sewall's Point, Stuart, Hobe Sound, Hutchinson Island part, Indiantown, Jensen Beach, North River Shores, Palm City, Port Salerno, Rio, Port Mayaca.
Okeechobee County Florida Health Insurance - Cypress Quarters, Taylor Creek, Ancient Oaks, Catterson, Sunset Strip, Barber Quarters, Basinger, Basswood Estates, Dixie Ranch Acres, Fort Drum, Hilolo, Mildred, Sherman, Treasure Island, Upthegrove Beach.
St. Lucie County Florida Health Insurance - Fort Pierce, Port St. Lucie, St. Lucie, Hutchinson Island
Indian River County Florida Health Insurance - Fellsmere, Indian River Shores, Orchid, Sebastian, Vero Beach
Brevard County Florida Health Insurance - Cape Canaveral, Cocoa, Cocoa Beach, Grant- Valkaria, Indialantic, Indian Harbour Beach, Malabar, Melbourne, Melbourne Beach, Melbourne Village, Palm Bay, Palm Shores, Rockledge, Satellite Beach, Titusville, West Melbourne
Osceola County Florida Health Insurance – City of Kissimmee, City of St. Cloud, Yeehaw Junction, Celebration
Orange County Florida Health Insurance - City of Apopka, Plymouth, City of Belle Isle, Town of Eatonville, City of Edgewood, City of Maitland, Town of Oakland, City of Ocoee, City of Orlando, Town of Windermere, City of Winter Garden, City of Winter Park, City of Bay Lake (part of Walt Disney World), City of Lake Buena Vista.
Seminiole County Florida Health Insurance - City of Altamonte Springs, City of Casselberry, City of Lake Mary, City of Longwood, City of Oviedo, City of Sanford, City of Winter Springs
Volusia County Florida Health Insurance - City of Daytona Beach, City of Daytona Beach Shores, City of DeBary, City of DeLand, City of Deltona, City of Edgewater, City of Holly Hill, City of Lake Helen, City of New Smyrna Beach, City of Oak Hill, City of Orange City, City of Ormond Beach, Town of Pierson, Town of Ponce Inlet, City of Port Orange, City of South Daytona.
Flagler County Florida Health Insurance - Bunnell, Flagler Beach, Palm Coast, Marineland, Beverly Beach
Lake County Florida Health Insurance – Town of Astatula, City of Clermont, City of Eustis, City of Fruitland Park, City of Groveland, Town of Howey-in-the-Hills, Town of Lady Lake, City of Leesburg, City of Mascotte, City of Minneola, Town of Montverde, City of Mount Dora, City of Tavares, City of Umatilla
Polk County Florida Health Insurance - City of Auburndale, City of Bartow, City of Davenport, Town of Dundee, City of Eagle Lake, City of Fort Meade, City of Frostproof, City of Haines City, Village of Highland Park, Town of Hillcrest Heights, City of Lake Alfred, Town of Lake Hamilton, City of Lakeland, City of Lake Wales, City of Mulberry, Town of Polk City, City of Winter Haven
Lee County Florida Health Insurance - Bonita Springs, Cape Coral, Fort Myers, Fort Myers Beach, Sanibel
Hendry County Florida Health Insurance - Clewiston , Harlem, LaBelle, Port La Belle, Felda.
Collier County Florida Health Insurance - Everglades City, Marco Island, Naples
Charlotte County Florida Health Insurance – Boca Grande, Cape Haze, Charlotte Harbor, Charlotte Park, Cleveland, Deep Creek, Englewood, Grove City, Harbour Heights, Manasota Key, Murdock, Placida, Port Charlotte, Punta Gorda, Rotonda, Solana
Sarasota County Florida Health Insurance – Sarasota, North Port, Venice, Longboat Key
Manatee County Florida Health Insurance - Anna Maria, Bradenton, Bradenton Beach, Holmes Beach, Longboat Key, Palmetto
Hillsborough County Florida Health Insurance - Plant City, Tampa, Temple Terrace
Pinellas County Florida Health Insurance - Belleair, Belleair Beach, Belleair Bluffs, Belleair Shore, Clearwater, Dunedin, Gulfport, Indian Rocks Beach, Indian Shores, Kenneth City , Largo, Madeira Beach, North Redington Beach , Oldsmar, Pinellas Park , Redington Beach , Redington Shores, Safety Harbor , Seminole, South Pasadena, St. Pete Beach , St. Petersburg, Tarpon Springs, Treasure Island
Pasco County Florida Health Insurance - City of Dade City, City of New Port Richey City of Port Richey, City of San Antonio, Town of St. Leo, City of Zephyrhills
Monroe County Florida Health Insurance - Key West, Marathon, Key Colony Beach, Layton, Islamorada, Stock Island, Big Coppitt Key, Cudjoe Key, Big Pine Key, Duck Key, Tavernier, Key Largo, North Key Largo, Flamingo, Bay Point, Sugarloaf Shores