Buying short-term health plans in Florida
- Florida defaults to federal regulations on short-term health insurance.
- Plans can have initial terms of up to 364 days, and total duration, including renewals, of up to 36 months.
- At least seven insurers offer short-term plans in Florida.
Florida follows federal short-term guidelines
Until October 2, 2018, federal regulations limited short-term health insurance plans to no more than three months in duration, and prohibited renewals. The Trump Administration is now allowing for much longer short-term plans unless a state imposes its own restrictions.
Florida does not have state-specific regulations for short-term health insurance plans, so the state defaults to the federal regulations. Florida does not consider short-term health plans to be individual health insurance, which is the same as the federal approach. (This is why short-term plans are exempt from ACA regulation.)
How long can short-term plans last in Florida?
Because Florida does not limit short-term plans, the Trump Administration’s new regulations apply in the state. Insurers can offer short-term plans with initial terms up to 364 days and the option to renew for a total duration of up to 36 months.
Insurers are allowed to cap their short-term plans at shorter durations, however, and prohibit renewal if they choose to do so.
Which insurers offer short-term plans in Florida?
- Companion Life
- Everest Prime
- Independence American Life
- National General
- Standard Life
- UnitedHealthcare (Golden Rule)
Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.