Health Insurance Plans in Florida

Florida Eligibility Requirements

You are eligible for coverage under this Policy if, at the time of application:

• You are a citizen or national of the United States, or a non-citizen who is lawfully present in the United States, and are reasonably expected to be a citizen, national, or a non-citizen who is lawfully present for the entire period for which enrollment is sought; and
• You are a resident of the state of Florida; and
• You live in the Service Area in which You are applying, and intend to continue living there for the entire period for which enrollment is sought; and
• You do not reside in an Institution; and
• You have submitted a completed and signed application for coverage and have been accepted in writing by Us.

The Policyholder must notify Us of all changes that may affect any Insured Person's eligibility under this Policy.

Other Insured Persons may include the following Family Member(s):

• Your lawful spouse who lives in the Service Area.
• Your children until the end of the plan Year in which the child reaches age 26.
• Your own or Your spouse's newborn children are automatically covered for the first 31 days of life. To continue coverage past that time, You must enroll the child as an 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.
• 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 until the end of the plan Year in which the stepchild reaches age 26.
• Your own, or Your spouse's children regardless of age, enrolled prior to age 26 and are incapable of self-support due to a medically certified continuing intellectual or physical disability and are chiefly dependent upon the Insured for support and maintenance. Cigna requires written proof of disability and dependency within 31 days after the child's 26 birthday.
• Your own or Your spouse’s children who have reached 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/she attains age 30

Please refer to the policy for additional eligibility requirements. 

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

States with Plan Availability for 2024

Plans available in AZ, CO, FL, GA, IL, IN, MS, NC, PA, SC, TN, TX, UT, and VA. View county listings by state [PDF]

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