Finding health insurance in Florida does not have to be a difficult challenge.  According to the article “Florida Health Insurance Buyers Guide” from TransWorldNews, there are certain Florida health insurance regulations that should be understood when shopping around.

Florida health insurance, like most states, are permitted to deny an application for pre-existing conditions.  This can potentially be avoided by applying for health insurance as a member of a group plan.  There are often restrictions with this option to watch out for though.  The group generally must have had coverage for 12 mos previously with no lapse. 

According to the article, Maryland, Massachusetts, Vermont, New York, and New Jersey are the only states who do not allow an application to be turned down because of pre-existing conditions.  Florida currently underwrites policies based on previous medical history.  In Florida you are able to purchase a conversion policy if you happen to lose coverage if you had 3 months of coverage through a group before it was lost.  And there is a limit on the cost.  It cannot be more than 200% of the price of a standard rate for an individual health insurance policy.