Florida Health Insurance for Students

Return to Florida health insurance home page for a complete listing of carriers and plans.  

Short-term health insurance

As it's name implies, short-term health insurance lasts from one month to one year. That makes it a potentially good option if you're between jobs or waiting for your employer-sponsored health plan to kick in.

Plans are generally comparable to HMOs or similar plans and typically cover various hospital charges, office visits, diagnostic tests prescription drugs. Maternity costs are not covered, however. Unlike an HMO or PPO, short-term coverage is an indemnity plan: That means you're not limited to a network of doctors.

Most recent graduates choose a $250 or $500 deductible.

You can generally pay for a short-term plan in either monthly installments or one single up-front sum; paying up-front will lower your total premium cost.

The plans have a 30 day free look period, so you can cancel the plan during that time and receive a full refund.  You can also cancel the health insurance plan at any time without a reason.  

Least Expensive Short Term Health Insurance Coverage for up to 6 months.  Underwritten by Standard Security Life Insurance Company of New York Rated A (Excellent) by A.M. Best Reports.

Short Term Plan 12 x 3 same as above but covers you for up to Three (3) Years IDEAL FOR STUDENTS !  (ACCEPTS people with Type 2 Diabetes, height/weight issues or those previously declined or if you are HIV positive with no symptoms.) Insured by Standard Security Life Insurance Company of New York Rated A (Excellent) by A.M. Best Reports.

• Option for up to three 12 month coverage periods

• Includes Rx Drug Card - up to $10 for Generic Drugs

• $25 per doctor office visit

• $500 Supplemental Accident Option

• Choose any doctor or hospital

• Choice of $500, $1,000,$2,500, and $5,000 deductibles

• Accept payment by: check, money order, MasterCard, Visa, Discover or automatic monthly bank draft

Assurant Short Term Medical  If you are not eligible for the Temporary Policies above Assurant (Time Insurance, formerly Fortis) has somewhat more liberal underwriting.

Allied National - Short Term Coverage if you have been previously declined.

Florida Temporary Health Insurance is ideal in the following circumstances:

• In between jobs.

• Previously declined for height/weight, or medical reasons....

• Your health insurance is ending soon.

• You are in between insurance plans either from an employer or individual health insurance.

• You are not eligible for individual health insurance for medical reasons.

• You are a recent college graduate or will graduate soon.

• You need affordable, temporary, short term health insurance immediately. 

• Your employers plan is too expensive

• You need immediate coverage at an affordable premium

• You are self employed.

• You or your dependents do not qualify for your employers health insurance.

• Your COBRA benefits are coming to an end and HIPPA is too expensive.

COBRA may be an option

COBRA is guaranteed health insurance coverage that is typically VERY EXPENSIVE.   While most people only qualify for 18 months of continued coverage under COBRA, those who get kicked off their parents' policies due to age or lack of student status can get COBRA for up to 36 months.  For more, see know your Florida health insurance rights under COBRA.

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