Are you looking to change jobs? Are you looking to leave the full-time work world and work on a freelance basis? According to a study by Deloitte, 43% of Millennials are looking to change jobs within 2 years; and 62% are looking to work on a freelance basis.

For many, when you change jobs or decided to Freelance, the biggest concern is health insurance. So what are your options for health insurance between jobs? Read on to learn about your options and where to seek help.

Do I Have to Have Health Insurance?

The short answer is yes, for two reasons.

The first, your financial and physical health. If you get sick or are in an accident without coverage you could be hit with devastating medical bills. These could wipe you out financially for years. If you don’t have insurance, you may opt-out of necessary preventative care. While this may save money in the short term it may cost your health in the long term.

The second, the Affordable Care Act. The ACC has required that you maintain health insurance coverage or you will be charged a fee called the Individual Shared Responsibility Payment when you file your Federal Taxes. Most people refer to this as a fine or penalty.

Starting in 2019, the Shared Responsibility Payment no longer applies. Keep in mind, this fee was instituted then removed and may be instituted again. Keep an eye on this to ensure you are not penalized.

So How Do You Obtain Health Insurance Between Jobs?

You have options to fill the gap in your health insurance regardless of why you need it. When you are ready, our team takes the time to work with you to simplify Florida’s health care options. Below is a brief summer of all your options.

COBRA Your Insurance from Your Current Employer

COBRA or the Consolidated Omnibus Budget Reconciliation Act of 1996 allows you to buy your current health insurance coverage provided by your employer, soon to be a former employer.

This must be offered to you if you work for a company with more than 20 people. You have 60 days to decide if you are going to elect to have COBRA coverage.

This is a great way to ensure that you have coverage, however, it comes at a cost. While you were employed your employer paid part of your health insurance premium. When you COBRA your insurance, you are responsible for the entire premium costs plus a small penalty. This total cost is approximately 102% of the premium it’s self.

Join Your Spouses’ Plan

If you are married, you can join your spouses’ plan. Although you may have had better coverage when you were employed. After you leave your company, joining your spouses’ plan may be cheaper than using COBRA to cover your health insurance needs.

Buy Insurance from Your States’ Health Insurance Marketplace or Exchange

This is open to anyone seeking health insurance during the annual open enrollment period. However, when you have left your job, this is considered a “qualifying event”, and you can obtain health insurance through the state or federal Exchange.

The ACA created the Exchange where individuals can purchase the health insurance they need to remain compliant. Below explains the difference between purchasing through the Exchange or through a private insurer.

Note: there are 10 essential health benefits that are required to be covered under the ACA.

  • Ambulatory Patient Services, this is outpatient care you get outside of hospital admittance.
  • Emergency services.
  • Cover for Hospitalization, e.g. surgeries, and overnight stays.
  • Prenatal Care, Pregnancy, Delivery, and newborn care. Note: Newborn care covers the time period right after birth.
  • Counseling and Psychotherapy, Substance Use, and other Mental Health and Behavioral Health Treatment.
  • Prescription Drugs.
  • Rehabilitative Services and Devices designed to help you return to normal after an illness or injury.
  • Laboratory Services, blood draws for example.
  • Preventive and Wellness Services including Chronic Disease Management.
  • Pediatric Services, for children this includes oral and vision care. Oral and vision for adults would be a separate policy.

Buy Insurance from a Directly from a Private Insurer

The biggest difference between the Exchange and a Private Insurance Company is where you buy it. A private insurance company will enroll you through an agent or broker, primarily. The Exchange you apply through the healthcare website. There are other differences.

Cost is another difference, for those in lower-income brackets, health insurance through the Exchange is cheaper and in some cases free to due to government subsidies. It is expected that some of the subsidies will be removed with changes from the Trump Administration.

A final note, not all private insurance is ACA compliant. At this point, it may not be an issue you need to be concerned about. However, you should know this information before you sign up for the insurance.

If you are not sure if you should go through the Exchange or through a Private Insurance Company obtain quotes through both.

Purchase a Short-Term Health Plan 

Think of this as a last resort. The coverage you get for Short-term Insurance is limited and they are often the most expensive option. These plans are 100% exempt from the ACA restrictions and rules. They are also the most expensive option for gap health insurance coverage.

This is an option for young people in relatively good health.

Do You Need Health Insurance Coverage?

If you are looking for health insurance between jobs or Short Term Health coverage? Regardless of your health insurance needs, we can help you find the right plan for you in Florida.  Contact us when you are ready to discuss your insurance needs.

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We would like to help you.

Speak to us about your Health Insurance requirements.

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

Florida Health Agency is a licensed health insurance agency certified to sell Medicare products.
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Lighthouse Point, FL  33064

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Ellen C.
Ellen C.
17:43 02 Aug 21
Robson S.
Robson S.
19:42 31 Jul 21
Priscila Ribeiro foi super atenciosa, indico…👊🏻💪🏻
Patricia Barison V.
Patricia Barison V.
20:04 29 Jul 21
VANN C.
VANN C.
20:16 28 Jul 21
SUPER TOP PRISCILA IS BEST CUSTOMER SERVICE HELP ME IN EVERYTHING IM NERD HELPS A LOT THANKS PRICILA YOU ARE NUMBER 1 THE BEST
Gisel F.
Gisel F.
20:37 27 Jul 21
Pricilla was very professional, helpful, and very knowledgeable made getting health insurance stress free... I would recommend to my family and friends...
Lucca C.
Lucca C.
18:24 27 Jul 21
Adorei o atendimento da Gio! Ela é muito atenciosa e gentil! Me ajudou muito com o meu plano de saúde. Parabéns pelo trabalho!
Wildine Point Du J.
Wildine Point Du J.
17:56 27 Jul 21
Ms Priscilla was very very nice and helpful, I am glad I choose this location.
Chris B.
Chris B.
17:13 27 Jul 21
Gio Sartor was simply excellent! She explained everything in detail including, the various options. This helped us select the best plan for my Mother-In-Law. Gio was also very patient and kind as well in answering all of our questions. We’re deeply grateful!!
Sany O.
Sany O.
07:38 27 Jul 21
Mr William Kohn and Sonia are the absolute best. They’re definitely 5-star rated and I would give them one hundred stars if I could! They always return my calls in a matter of minutes and are always willing to help me with whatever I need. Together Bill and Sonia make an outstanding team. I have no words to thank them for their attention and care. This is the best place to help you with your health insurance and I strongly recommend Mr Kohn and Florida Health Agency.
Ss D
Ss D
22:02 23 Jul 21
Bill is phenomenal. Very caring, prompt in responding, thoroughly understanding the requirements and providing recommendations.
next L.
next L.
20:31 23 Jul 21
I spoke witch Pricscilla and she did a great Job of explaining me the different options for my health insurance and she helped me find a plan that meets my financial situation. She made things very easy for me and she was very polite which I really appreciate.
Lorena R.
Lorena R.
21:05 21 Jul 21
Melanie Keegan F.
Melanie Keegan F.
15:31 20 Jul 21
Bill made this process so much easier. His advice was invaluable, when deciding between insurance plans. Thank you!
Jackie R.
Jackie R.
15:15 20 Jul 21
Our agent, William Kohn, was extremely knowledgeable and responsive to all questions. He helped us navigate a wide array of resources to find the plan that worked best for us. Highly recommend!
Vanderlei B.
Vanderlei B.
02:26 20 Jul 21
Atendimento excelente, profissionais super qualificados e dispostos a tirar todas as nossas dúvidas! Super indico, e eu minha esposa ficamos muito satisfeitos.
Jumbo S.
Jumbo S.
21:34 16 Jul 21
After looking at health insurance on my own I realized I needed help. So many choices with similar names! It became very confusing fast. I call Gio and she was amazing in her knowledge and helped find what I needed. She has saved me thousands of dollars over the next year and I have recommended her to several friends already. She works for a very helpful company.
Mo Z.
Mo Z.
21:34 15 Jul 21
Gio was very helpful with my healthcare plan search. I highly recommend Florida Health Agency! Excellent, friendly service.
roseli P.
roseli P.
00:35 03 Jul 21
Very grateful for Priscilla Ribeiro's serviceFlorida Health Agency
Adriana S.
Adriana S.
20:23 30 Jun 21
Mari S
Mari S
15:58 30 Jun 21
A experiência da empresa tem sido uma das melhores em termos de planos de saúde. Minha família está muito feliz e satisfeita com o desempenho em nos ajudar com os planos. Nosso agradecimento especial ao Agente Gio Sartor.🙏🏻❤️
Hodge A.
Hodge A.
21:06 22 Jun 21
Explain things well very helpful and makes the process smooth I like working with William kohn and gio sartor very helpful .
Seçil A.
Seçil A.
17:34 22 Jun 21
Rejane R.
Rejane R.
15:11 22 Jun 21
Nicholas C.
Nicholas C.
15:32 17 Jun 21
Priscila was outstanding . Very professional and extremely helpful. We learned a lot with her and would highly recommend her to family & friends .Maria Regina Carollo
JOAO PAULO C.
JOAO PAULO C.
22:54 16 Jun 21
Fomos muito bem recebidos num escritório muito elegante.A nossa agente Priscila foi muito simpática, atenciosa e incansável. Uma profissional espetacular, muito competente e com um vasto conhecimento no seu campo de trabalho. Nos tirou todas as dúvidas e nos explicou minuciosamente todas as opções disponíveis.Saímos de lá seguros e confiantes que fizemos a melhor escolha. Vou indicar com certeza para meus familiares e amigos. Muito obrigada.
Jeff G.
Jeff G.
18:00 11 Jun 21
Bill is super knowledgeable and the kind of businessman and professional I wish everyone was. He went way beyond to provide me with incredible attention to detail and service despite the fact that I am just one individual. I felt that every person is vitally important and that he only has one speed: deluxe service and fast response.I would recommend him without reservation to anyone!
Nelson S.
Nelson S.
17:36 10 Jun 21
Office was very professional
Elizete T.
Elizete T.
17:35 09 Jun 21
Otima, principalmente com ajuda, atenção e rapidez da Priscila, inclusive quero agradecê-la por sempre que preciso de algo ela está pronta a ajudar!!!! Ótima profissional
LE Painting & S.
LE Painting & S.
02:13 08 Jun 21
Bill is very professional, knows everything about insurance and helped a lot get things done!He added my son and my premium was decreased, really amazing! Thanks a lot we really appreciate!!!
MARIE V.
MARIE V.
20:23 07 Jun 21
Kathleen C.
Kathleen C.
16:53 04 Jun 21
My husband and I were very pleased with Wiiliam’s knowledge and service. He is definitely 5-star rated. Highly recommend!Kathleen Cohn
Aubrey K.
Aubrey K.
15:14 29 May 21
William Kohn is a true professional, polite, knowledgable and efficient. He answered all my questions, made sure I understood all the options available and explained the differences in each of the health insurance policies.It will be a pleasure knowing that anyone I recommend him too will be treated with honor and respect.Thank you William Kohn for all you did for me to get health insurance for my daughter.
Robert S.
Robert S.
01:31 16 May 21
I strongly recommend Mr Kohn and Florida Health Agency. He was extremely knowledgeable about health insurance and provided invaluable information, options and assistance. He was very responsive to our questions and attentive to our needs.Thank you so much.
Fit S.
Fit S.
18:31 06 May 21
Happy Family E.
Happy Family E.
16:42 06 May 21
Donna D.
Donna D.
13:30 29 Apr 21
Mr William Kohn is the absolute best! In all my years of dealing with insurance agents I've never had anyone to explain a policy in it's entirety with such simplicity to which a child would be able to comprehend. I know he was God sent! He found a policy that is suitable for me & I'm completely satisfied thus I highly recommend Florida Health Agency!!!!
ashley w
ashley w
20:26 26 Apr 21
Bill was wonderful to work with and was able to save us money and get us better plans. I highly recommend contacting him for health insurance needs or questions.
Jeffrey M.
Jeffrey M.
15:59 23 Apr 21
hacho L.
hacho L.
01:02 21 Apr 21
Mr. Bill Kohan was great! He took the time to explain everything in detail. Thank you very much!Viviana Diaz
Srdjan S.
Srdjan S.
19:16 08 Apr 21
Bill was very kind and responsive. He knew exactly the plan we are eligible for and the process to get the plan was fast and painless. I strongly recommend Bill to others.
James C
James C
18:00 29 Mar 21
Inna P.
Inna P.
16:16 15 Mar 21
Great service ! Bill is great ! He was able to help me find insurance that would be accepted by all of my doctors and it would not break us financially. He is very detailed and explained everything we had questions about .
Paul M.
Paul M.
15:02 15 Mar 21
Always takes care of whatever is needed timely and very efficiently.Would never deal with anyone else to handle my Healthcare needs.Bill Chohen is tremendous 👏
daryll V.
daryll V.
19:40 10 Mar 21
Crashing Waves P.
Crashing Waves P.
17:59 09 Mar 21
Bill was a tremendous help with establishing our coverage. navigating through the world of health insurance has always been very intimidating for me. I am thankful to have had his assistance and would highly recommend his services!
Hallie R.
Hallie R.
21:51 02 Mar 21
Best experience I’ve ever had with an insurance agent. Listened to what we needed as a family and made sure we got the correct plan. Took his time with us and went through everything. ⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Ruth W.
Ruth W.
13:50 27 Feb 21
lil M.
lil M.
22:18 21 Feb 21
Jennifer D.
Jennifer D.
22:48 06 Jan 21
William Kohn is absolutely the BEST insurance agent out there. He does his best to find exactly what you are looking for. He is professional and extremely knowledgeable about all the insurance plans from many different providers. He will walk you through all the necessary steps to make sure everything is done the right way. Thank you for you help.
Christea B.
Christea B.
22:26 02 Dec 20
Trying to choose the best insurance plan can be a daunting task. I am so pleased I chose Florida Health Agency to assist me. I have the perfect health plan for myself. William (Bill) Kohn was patient, highly knowledgeable and led me to the ideal policy based on my own health circumstances. Mindy was wonderful, warm and professional and available to answer all your questions. You are in excellent hands with this company!
Karina C.
Karina C.
19:06 27 Oct 20
I really recommend this company. I was very well attended and most importantly, Gio's feedback was and is still being exemplary. Thank you very much for assisting me in choosing my health plan.Karina Criscoullo
marie C.
marie C.
18:00 17 Oct 20
Ryan H.
Ryan H.
18:16 15 Oct 20
Laura V.
Laura V.
14:58 15 Oct 20
Gabriel was awesome, he helped me with lower rates and better insurance.
Salvatore C.
Salvatore C.
13:20 15 Oct 20
Priscilla is awsome agent she answer all my questions very patiently
Joannie B.
Joannie B.
12:54 14 Oct 20
Kevin M.
Kevin M.
14:48 07 Oct 20
John V.
John V.
20:40 23 Sep 20
This company has a culture of caring about their customers. I could see that from my first conversation with William. Something that is hard to find in the world we live in today. William and Sonia delivered incredible service. They definitely earned my business for my future health insurance needs.
Elliott B.
Elliott B.
20:05 03 Sep 20
Agent Priscilla has been more than competent in making sure her clients have all their documents in good standing order. In spite of multiple procrastinations on my end, she faithfully and patiently followed up with me until 24 hours of my deadline. Her professionalism speaks volumes and as a business owner myself, I know her employer must be proud having such a star employee.
Ruth M.
Ruth M.
19:12 21 Aug 20
Priscilla was very helpful in answering all my questions and getting me the best policy for my budget. Thank you
sahyli M.
sahyli M.
03:15 30 Jul 20
Sonia and William are a great team of professionals. They are extremely helpful. I am very happy with the help and direction I have gotten from them.
Freda E.
Freda E.
20:12 17 Jul 20
Caring, kind, dedicated and very professional!
Geisa A.
Geisa A.
17:35 13 Jul 20
Wendy V
Wendy V
20:51 26 Jun 20
Priscilla is very informative, professional and caring! The best insurance agent!
Karolina Bertoloni S.
Karolina Bertoloni S.
19:49 26 Jun 20
Priscila is awesome!! I’m so glad I found her to help me with my insurance needs... I totally recommend her!!!
George M.
George M.
21:14 24 Jun 20
Kate
Kate
18:44 02 Jun 20
I was very impressed with Pricilla Ribeiro and her willingness to find me a great policy at a great price! She is professional and so nice to work with. I highly recommend you call her!
Michelle S.
Michelle S.
17:40 24 May 20
Bill is AWESOME!! I had placed so many errors on my obamacare application and had gotten denied. Everyone knows healthcare in America is soo evil and conniving but this company shows compassion and helps you get the best plan possible!! The heathcare plan we got cost pennies on the dollar and everything was amazing!!! Bill is AMAZING!!!!
Ricardo A.
Ricardo A.
17:39 24 May 20
Bill was awesome !!! He helped my wife and I find great healthcare at a great price. Would recommend 10/10 wish I could rate more than 5 stars.
Jorge B.
Jorge B.
23:54 23 Apr 20
Janet G.
Janet G.
16:38 23 Apr 20
Thank you Sonia for helping me today, I really appreciate the kind and prompt response and results oriented service that Sonia provides. Bill was quick to call me back and follow up on my inquiry. Together Sonia and Bill make an outstanding team. I refer them to my friends and family whenever possible and will continue to spread the word.
Amit B.
Amit B.
19:06 17 Apr 20
The representative that helped me was Sonia.She is very professional and kind, she solve my problem fast and explain me everything that she is doing.Thank you.
Julian E.
Julian E.
16:50 01 Apr 20
janne Z.
janne Z.
01:31 01 Apr 20
Jerome P.
Jerome P.
11:41 31 Mar 20
Mindy was absolutely at the top of her game when settling a recent issue I had with Aetna Enrollment. While remaining completely professional, her persistance and perseverance solved the issue to my satisfaction. She remained with my wife and me, along with various Aetna reps, on the phone for over one and a half hours. Even then, the final decision was postponed for two days afterwards. Mindy was right at it again two days later, and the Aetna "complaint department" representative agreed with our contention that an error had been made on their part. A big "thank you" to Mindy and the Florida Health Agency.Jerry Pascuzzi
Érica Souza de O.
Érica Souza de O.
21:02 30 Mar 20
gordon J.
gordon J.
19:07 30 Mar 20
Was the best treatment I'm very grateful
Diane S.
Diane S.
18:24 23 Mar 20
I’ve been very satisfied with Florida Health Agencyhelping me choose the best plans for me and my family. I would not hesitate to recommend Bill and Mindy to anyone. They don’t just get you a plan and then ignore you. They are there helping to understand the plan. They definitely go the extra mile. They are a pleasure to deal with. This is a group that actually returns phone calls. I can’t say enough about their excellent customer service.
Lisa J.
Lisa J.
15:10 20 Mar 20
If your looking for affordable health insurance look no further. Gabriel helped me find what I was looking for and he was very eager to help.Thank you Gabriel!!!
Cindy G.
Cindy G.
20:14 16 Mar 20
Eduarda N.
Eduarda N.
20:37 11 Mar 20
Estou muito satisfeita com o serviço da Florida Health Agency em especial a Priscila pela sua atenção e compreensão em me ajudar tão rapidamente quando precisei de seu serviço.Sempre consigo contato com eles e eles sempre me respondem rapidamente.
Mike T.
Mike T.
12:58 07 Mar 20
Schweibish M.
Schweibish M.
15:43 04 Mar 20
Sonia spense is a professional, patiente and so helpful for me ! So reactive helped me so much thank you again Sonia ! I wish everyone was like you 🙏🏼
Luiz Ricardo Pamplona (CANAL PAMPLONA U.
Luiz Ricardo Pamplona (CANAL PAMPLONA U.
03:00 26 Feb 20
Yoshi Y.
Yoshi Y.
22:17 24 Feb 20
Sami L.
Sami L.
16:03 24 Feb 20
Sonia is TOP, TOP!! Thanks
Fernanda P.
Fernanda P.
15:47 20 Feb 20
I loved the service. ***********I had all my doubts cleared, the insurance was chosen according to my needs and budget.Thank you Giordana and Gabriel for staying on top of my application making my experience uncomplicated and transparent.
Fix P.
Fix P.
17:18 19 Feb 20
We love to do Business with Florida Health, highly recommended.
Fernando Paiva P.
Fernando Paiva P.
21:21 17 Feb 20
Priscila is super attentive and give me all necessary support! She’s so nice
Maria A.
Maria A.
18:12 12 Feb 20
Joel Antonio F.
Joel Antonio F.
15:15 04 Feb 20
São pessoas idôneas e gentis, nota 1.000(mil) pra todos eles. Esse Gabriel é muito gente boa, como também a dna Gio. E todos os demais...
Jersen R.
Jersen R.
16:52 31 Jan 20
She was excellent, very professional and helped me accomplish my goals for that appointment
Alisha B.
Alisha B.
14:10 30 Jan 20
Bill and his staff are absolutely awesome. I was referred to Bill by mom and he is surly quick and efficient. He's great at explaining everything and makes sure you are choosing the right plan for your budget. I highly recommend Florida Health agency for you health insurance needs!
Cathy C.
Cathy C.
15:29 28 Jan 20
Excelente Amazing Wonderful Priscila Ribeiro is de best agent that I ever had
Jessica R.
Jessica R.
02:44 23 Jan 20
I've had a great experience with Gabriel! I'm going to school in Florida from out of state and needed a short term insurance, and he helped me find the best plan for my unique situation. Thanks again Gabriel.
poul R.
poul R.
01:49 16 Jan 20
She was Awesome, she answered all my questions patiently.🌺🙏🏼
Joseph La S.
Joseph La S.
20:53 08 Jan 20
Sandra A.
Sandra A.
21:11 13 Dec 19
Yori B
Yori B
21:03 13 Dec 19
Biggie G was great I was having a hard time finding health insurance and he solved all my problems. He made me laugh also which was a bonus
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