Florida’s Healthcare Crisis

Florida’s Healthcare Crisis

When the Affordable Care Act first began to be enacted in many states in the union, Florida, along with several other states, lagged behind.  Its state legislature rejected the opportunity to establish its own health insurance market choices, and did not accept the tens of millions of dollars that the federal government offered the state in order to expand coverage for Florida’s most underserved populations… in spite of the fact that they had the second highest percentage of uninsured citizens in the country, in part due to their high poverty rate.

Not only did Florida lawmakers not come up with their own insurance plans, they seemed determined not to make it easy on those who wished to purchase health insurance in Florida from one of the federal plans.  ‘Navigators’, or those who are assigned to help people sign up for insurance under the new federal plans, were barred from state health offices as those from other ‘businesses’ were, meaning that they had to search to set up shop in other locations.  This was an attempt to make these navigators appear less legitimate to those who might have wished to seek their aid, a kind of protest against their very presence.  With much of Florida’s population being elderly, and many with English as their second language, these interpreters of the new plans were vital to their success.  This appears to have been a deliberate sabotage of the new plans, to the detriment of the taxpayer.

Florida health insurance is now in a rough state.  With the state having rejected extra money, it puts the state in a difficult situation.  Florida has high underserved populations such as the elderly and a high percentage of first-generation immigrants struggling to make a living.  Both populations are more likely to become ill or injured due to their circumstances, and need better coverage in order to live happy lives that don’t hang on the hinge of avoiding accident or illness that is impossible to truly sidestep.

Federal subsidies that help fund hospitals for low-income patients have expired this past June, shutting off over 1 million in aid to Florida.  This was part of the reason that the expansion of Medicaid was offered to Floridians in the first place.  However, when the state government rejected the offer of additional funds, because it was linked to Obamacare, with which they disagreed in principle, this cut off funding to hospitals and healthcare institutions across the state.

Other states, such as New York, have accepted the funds for Medicare and are not facing this kind of crisis.  When the politics of the day gets in the way of common sense, it is time to change policy.  When Florida lawmakers get their dander up and believe the honor of their party is at stake, they stop thinking about the well-being of their constituents and start thinking about how they seem to other members of their party.  It can become a question of who can shout the loudest or who can stand their ground longest.  In the end, it is those who seek health insurance coverage in Florida, can visit https://floridainsurancequotes.net/health-insurance-quote/.

Luckily, very recently a ruling was passed by the Supreme Court stating that those who are poverty-stricken will still get their insurance premium supplements, regardless of whether the state has made any provisions towards this or not.  This is a source of relief for many of those who are most at risk in the population.  However, Florida lawmakers remain resistant to assisting its population, if that means accepting help from the federal government, despite the dire straits in which it finds itself.

Florida Insurance

The Florida Insurance Industry Offers Many Ways To Safeguard Your Home


Florida insurance companies like FloridaInsuranceQuotes.net, offer many kinds of policies to residents besides common homeowner plans. These policies help Floridians manage risk and plan for potential catastrophes with the backstop of additional insurance. Here are just two of the many Florida insurance types you can choose from.

Flood Insurance

Florida’s geography and nearness to water makes it prone to flooding. While your homeowner’s insurance covers a wide range of potential risks to your home and your belongings, you have to purchase flood insurance in order to collect on damage to your home caused by flooding. Many lenders require flood insurance if you have a mortgage on a house in a flood zone.


While it’s possible to purchase flood insurance on the private insurance market, the overwhelming majority of policies are currently written through a program of the Federal Emergency Management Agency. This National Flood Insurance Program is regulated entirely at the national governmental level. Florida has the largest number of flood insurance policyholders of any state.

Who Is Eligible For Flood Insurance?

In order for your property to be eligible for flood insurance protection through the federal government, the town or city that you live in must join the NFIP and promise to abide by federal regulations regarding flood plain management and stewardship. Residents of qualifying communities are then able to purchase flood insurance, with a thirty-day waiting for the policy to take effect after signing up.


Due to recent federal legislation, flood insurance has become much more costly for the average Florida insurance customer. Even though Floridians pay four times more in premiums than they get in return in claim payments, the cost of policies could soon go even higher. For that reason, the Commissioner of the Florida Insurance Regulation Office has begun to work alongside Florida insurance providers to encourage them to offer more private-market policies to homeowners at prices lower than the federal government.

Title Insurance

If you’re purchasing a house in Florida, you’re wise to insure it with Title Insurance. Title insurance makes sure that owners and the lenders that underwrite mortgages for home sales are protected against the possibility of an invalid or defective title on a piece of property. Title insurance can also guard against incurring liability if the existence of a hidden lien or other claim is discovered after you take possession of your property. Some title insurance policies can also cover personal property besides homes over similar disputes.

How Does Title Insurance Work?

Before your insurer gives you a title insurance policy to cover your home, their agent will verify that there are no defects in the documents that change hands at a home purchase closing that could affect your right to legally own, control, use, or resell your property. These defects might include:


  • Liens on the property from contractors or other businesses
  • Unpaid property taxes
  • An easement
  • Possible claims by heirs of the previous owners


These so-called Title Agents search public records thoroughly on your behalf, and give an assessment of the likelihood that someone could later challenge the validity of your ownership rights to your house and land.

What Else Can Title Agents Do?

Title agents can perform a handful of services to their customers, including preparing and obtaining title searches, examining existing titles for accuracy, issuing title insurance, writing closing documents for home purchases, presiding over the closings themselves, and even distributing funds to appropriate parties at closing.


Title insurance is different than most other kinds of Florida insurance as it is purchased only once, and is in force for as long as you or your heirs keep the property.

Home Insurance: Florida

Residents of Florida are very aware that it pays to plan ahead. That’s why they rely on home insurance. Florida sees more than its share of wild weather. Wildfires, tornadoes, flooding, hurricanes, sinkholes and many other disasters pop up now and then and change the landscape all around us. It’s not just big, earthshaking events that have an effect, either. Things like a fire on the stove, a burglary, or a lightning strike can also hit us when we’re least expecting it.


You never know when you’re going to need to rely on the peace of mind and security of home insurance. Florida homeowner’s insurance is an indispensable backstop for the value of the largest investment you’re ever likely to make: your home.

Insurance: Not Necessarily Required, But Wise

While the laws of Florida do not require homeowners to carry home insurance, most people understand that it’s common sense to safeguard the largest investment they’re ever likely to make with proper insurance. Homeowner’s insurance can pay to repair, or even entirely rebuild your home in the event of a catastrophic loss.


If you own certain classes of pets, or have a swimming pool in your yard, many cities and towns require that you carry liability coverage to pay damage or injuries to others, or their property, through home insurance. Florida lending institutions usually require full insurance coverage on your home, including fire, liability, and even flood insurance in certain designated zones for homes mortgaged through them. Some Home Owners Associations have similar, or even more stringent requirements.

Know Your Coverage

Homeowner’s insurance from https://FloridaInsuranceQuotes.net is offered in packages of specific coverage for different dangers and eventualities, broken down into four categories:


  • Structure: Your home itself
  • Other structures: Things like sheds and fences
  • Personal property: All your possessions that you keep in and around your home
  • Loss of use: If you lose the ability to use your home, ALE, or additional living expenses are covered to keep you housed until repairs are made to your damaged dwelling


Property Coverage

Structures, other structures, and personal property all come under the heading of Property Coverage. Property coverage will pay for loss or damage to covered dangers to the structure of your house plus its furniture and other contents and the belongings of your family members who reside with you. Depending on the coverage, it will pay for damage to outbuilding, sheds, freestanding garages, and even small boats and other similar items that are stored there. Your insurance policy will list these covered items clearly.


Property insurance includes limited coverage for other items you may own, including jewelry, furs, electronics and firearms if they are lost, stolen, or damaged. You can usually add additional coverage if you need it for higher liabilities.


Homeowner’s insurance may also cover your children’s possession when they attend college, whether or not they live on campus or with you. Home insurance policies in Florida do not cover your vehicles, however.


Additional living expense (ALE) coverage is designed to pay some of the added costs of living elsewhere while repairs are being made to a covered home that is made unlivable by an accident or disaster. This coverage is triggered when a civil authority like the police or emergency management require you to evacuate your home for any reason for a period of time.

Personal Liability

Personal Liability coverage protects you in the event of a lawsuit or other claim against you for bodily injury or damage to other people’s property. For example, if your next-door neighbor fell down in your driveway and sued you for his injuries, your policy would pay any legal judgment against you, and your lawyer’s fees up to the limit of your policy.