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Health Insurance Plans in Florida

Loading… Shopping for coverage on your own? Open Enrollment for 2022 plans has ended. If you've had a qualifying life event you could still be eligible to get a plan during Special Enrollment, which runs until Oct. 31, 2022.

To shop for a plan during the Special Enrollment Period, visit HealthCare.gov.

Don't qualify to buy a plan during Special Enrollment?

Open Enrollment for 2023 starts Nov. 1, 2022. You can come back and shop Cigna's plan offerings at that time.

Plans for specific conditions

For medical conditions like asthma, chronic obstructive pulmonary disease (COPD), and diabetes, Cigna has specific plans that offer additional $0 out-of-pocket costs for select tests, supplies, and equipment.3

Quality Doctors and Hospitals in your area

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Marketplace plan levels and features

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How much do these plans cost?

The amount you pay monthly for your coverage (also called your premium) will vary depending on where you live, the size of your household, your income, and other factors.

Nine out of ten people get financial help when enrolling in a plan through the Affordable Care Act4, and 43% pay less than $10/month after federal assistance.*

Learn more about health care subsidieshealth care subsidies

2022 Cigna Health Insurance Plans

Open Enrollment for 2022 plans has ended. Open Enrollment for 2023 will start Nov. 1. 

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Often bought together

Dental 1000 Hospital Indemnity Insurance

Policies, Disclosures, and Requirements

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Looking for plans through your employer?

This page features plans you can buy for yourself and your family. If you are looking for plans you might get through your employer, we can help get you there.

Find plans through your employer

Plans are insured by Cigna Health and Life Insurance Company or its affiliates: For Arizona residents, health plans are offered by Cigna HealthCare of Arizona, Inc. For Georgia residents, health plans are offered by Cigna HealthCare of Georgia, Inc. For Illinois residents, health plans are offered by Cigna HealthCare of Illinois, Inc. For North Carolina residents, health plans are offered by Cigna HealthCare of North Carolina, Inc.

Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Reference plan documents for a list of covered and non-covered preventive care service.

2 Cigna provides access to dedicated virtual care through a national telehealth provider, MDLive located on myCigna, as part of your health plan. Providers are solely responsible for any treatment provided to their patients. Video chat may not be available in all areas or with all providers. This service is separate from your health plan’s network and may not be available in all areas. $0 virtual care benefit for minor acute medical care not available for all plans. HSA plans and non-minor acute medical care may apply a copay, coinsurance or deductible. Virtual care does not guarantee that a prescription will be written. Refer to plan documents for complete description of virtual care services and costs, including other telehealth/telemedicine benefits. For IL customers a primary care provider referral may be required for specialist virtual visits.

3 Refer to plan documents for a complete description and list of equipment, supplies, and tests that are covered at $0 through the condition specific plans.

4 2021 Special Enrollment Period for Marketplace Coverage Starts on HealthCare.gov Monday, February 15, Centers for Medicare & Medicaid Services, March 12, 2021, https://www.cms.gov/newsroom/press-releases/2021-special-enrollment-period-marketplace-coverage-starts-healthcaregov-monday-february-15.

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Buying an insurance plan through a broker or agent does not change or increase your insurance plan premiums, copayments, coinsurance, or deductibles. If you are working with a broker or agent, they may be eligible to receive commissions, fees, or other compensation from Cigna. Cigna pays brokers or insurance agents for providing service to our members. We are sharing this with you in accordance with section 202 of the Consolidated Appropriations Act. Broker compensation information is available at www.cignaproducer.com/ifp-broker-compensation/

Florida Eligibility Requirements

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

Age and Dependent Requirements
Other insured persons may include the following family members:

  • Your lawful spouse who lives in the Enrollment area.
  • Your children who live in the Enrollment area and have not yet reached age 26.
  • Your own, or Your spouse's Newborn children are automatically covered for the first 60 days of life. To continue coverage past that time You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the date of birth, and pay any additional Premium. Coverage for a newborn dependent child enrolled within 60 days of birth will be retroactive to the date of the child’s birth.
  • An adopted child, from the date of placement in your home or from birth, when there is a written agreement, for the first 31 days even if you fail to enroll the child. To continue coverage past that time You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the date of birth, and pay any additional Premium. Coverage for a newborn dependent child enrolled within 60 days of birth will be retroactive to the date of the child’s birth.
  • A foster child is automatically covered for 31 days from the date of placement in Your residence. To continue coverage past that time You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the date of placement in Your residence, and pay any additional Premium. Coverage for a newborn dependent child enrolled within 60 days of the date of placement in Your residence will be retroactive to the date of the child’s placement in Your residence
  • A child born to one of Your Insured dependent children will be eligible for coverage from birth through 18 months of age. The child is automatically covered for the first 31 days of life. To continue coverage past that time You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the date of birth, and pay any additional Premium. Coverage for a child born to one of Your Insured dependent children enrolled within 60 days of birth will be retroactive to the date of the child’s birth. Note: Contingent upon continuing payment of Premium, this coverage will end when the child born to one of Your Insured Dependent children attains the age of 18 months.
  • If a court has ordered a Policyholder to provide coverage for an eligible child (as defined above) coverage will be automatic for the first 31 days following the date on which the court order is issued. To continue coverage past that time You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the court order date, and pay any additional Premium. Court-ordered coverage for a dependent child enrolled within 60 days of the court order will be retroactive to the date of the court order.
  • Your stepchildren who live in the Enrollment Area and have not yet reached age 26.
  • Your own, or Your spouse's children, regardless of age, enrolled prior to age 26, who live in the Service Area and are incapable of self-support due to medically certified continuing intellectual or physical disability and are chiefly dependent upon the Insured for support and maintenance. Cigna may require written proof of such disability and dependency within 31 days after the child's 26th birthday.
  • Your own or Your spouse’s children from age 26 until the end of the Calendar Year in which the child reaches the age of 30, provided the child does not have a dependent of their own, is a Florida state resident and is not covered under a plan of their own or entitled to benefits under Title XVIII of the Social Security Act. Cigna may require such proof at least once each year until the end of the calendar year in which he attains age 30.

NOTE:  A child enrolled as a Family Member under this Policy who resides outside of the Service Area, is entitled to receive, while outside the Service Area, only Emergency Services for Emergency Medical Conditions.

Signature Requirements
All applicants and dependents 18 years and older must sign and date the application. 

Residency Requirements

Must be a citizen or national of the United States, or a non-citizen who is lawfully present in the United States, and is reasonably expected to be a citizen, national, or a non-citizen who is lawfully present for the entire period for which coverage is sought

Applicants must reside in one of the following Florida counties at the time of application, and intend to continue living there for the entire period for which enrollment is sought:

  • Broward
  • Collier
  • Indian River
  • Lake
  • Leon
  • Martin
  • Miami-Dade
  • Orange
  • Osceola
  • Palm Beach
  • Seminole
  • St. Lucie

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Disclaimer

Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Group Universal Life (GUL) insurance plans are insured by CGLIC. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.

 Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website. Cigna may not control the content or links of non-Cigna websites. Details