Individual and Family Plans in Florida

Learn more about the Individual & Family products offered in your area and browse high-level features for each plan.

Florida Eligibility Requirements

All applicants applying for coverage must meet age, dependent status and residency requirements.

Age and Dependent Requirements:

• Eligible applicants must be under age 65 on the assigned effective date
• Primary applicants must be age 19 or older; children under the age of 19 may only apply as a dependent on a family plan with one or both parents
• Dependent children are covered up to age 26. Dependent children who have reached age 26 can continue to be covered up to the end of the calendar year in which they reach age 30 provided the child is unmarried and does not have a dependent of their own and is a resident of Florida or a full-time or part-time student and is not provided coverage as a named subscriber, insured, enrollee, or covered person under any other group, blanket, or franchise health insurance policy or individual health benefits plan, or is not entitled to benefits under Title XVIII of the Social Security Act
• A newborn child or newly adopted child, born or adopted to an enrolled subscriber, may be added to the subscriber's plan within 31 days of the birth or adoption. Requests for enrollment beyond 31 days of the birth or adoption will be subject to the full application and medical underwriting evaluation
• Foster children will automatically be covered for 31 days from the date of placement in the subscriber's residence. To continue coverage, the foster child must be enrolled as an insured family member by notifying Cigna within 31 days after placement and paying any additional premium. Requests for enrollment beyond 31 days of the foster placement will be subject to the full application and medical underwriting evaluation
• A child born to one of the subscriber's dependent children will be eligible for coverage from birth through 18 months of age. This child is automatically covered for the first 31 days of life. To continue coverage, the newborn must be enrolled as an insured family member by notifying Cigna, in writing, within 31 days of the birth and paying any additional premium. Requests for enrollment beyond 31 days of the birth will be subject to the full application and medical underwriting evaluation
• Foreign exchange students are not eligible dependents

Residency Requirements:

Non-Citizen Residence

• Must be a legal U.S. resident and must reside within the U.S. for 6 consecutive months prior to applying for coverage
• Must reside within the state of Florida at the time of application

U.S. Citizens and Expatriates

• Citizens residing within the U.S. must reside within the state of Florida at time of application
• Citizens/Expatriates who have been living and working outside the U.S. and who are in process of returning to the U.S. are eligible to apply; the requested effective date must be after their return to the U.S.

For more information about our Florida health insurance coverage and Health Savings Plans, call Cigna at