Is short term health insurance available in Florida?

Yes. Florida residents can enroll in short term medical coverage year round, with no open enrollment window required.

Which doctors can I use in Florida?

The plan uses the Aetna Open Choice PPO network, which includes hospitals and physicians across Florida and nationwide, so snowbirds and travelers stay covered.

How fast can coverage start?

Coverage can begin as soon as the day after you enroll, and enrollment usually takes about 15 minutes with a licensed agent.

Short Term Health Insurance in Florida

Florida has one of the highest rates of self-employed workers, early retirees, and seasonal residents in the country, and all three groups share the same problem: unsubsidized ACA premiums. Short term medical coverage paired with a fixed benefit (indemnity) plan gives Florida residents a lower monthly cost, a real PPO network, and cash paid directly to them when care happens.

The Aetna PPO network in Florida

The plan runs on the Aetna Open Choice PPO network, so you can use hospitals and physicians in Miami, Tampa, Orlando, Jacksonville, Fort Myers, and the rest of the state, plus every other state in the network. That matters if you split the year between Florida and somewhere north: your network travels with you instead of ending at the county line.

How the combo works

Short term medical handles the large, unexpected claims after your deductible.
Fixed benefit cash pays you set amounts for ambulance rides, ER visits, surgery, and hospital days.
PPO discounts reduce the billed amount before either benefit is applied.
Recuro Rx and telehealth cover the everyday items so routine care does not become a bill.

Who this fits in Florida

Contractors, realtors, gig workers, restaurant and hospitality staff, people between jobs, retirees who are not yet 65, and snowbirds who need coverage that follows them. Enrollment is available year round, so you do not have to wait for open enrollment.

What to check before you enroll

Short term and fixed benefit plans are not ACA major medical and do not cover pre-existing conditions. If you qualify for a meaningful ACA subsidy, or you have an ongoing condition that needs continuous treatment, a marketplace plan is usually the better fit. A licensed agent can compare both sides with you in one call.

Get a Florida quote

Keith Gilbert is a licensed health benefits specialist serving Florida residents. Call (602) 737-3444, email keith@gilbertservicessouthwest.com, or request a personalized quote.

Want the full comparison first? Read Fixed Benefit vs. ACA Health Insurance.