Online source for Florida health insurance for individuals, families and small businesses is an online source of health insurance for individuals, families and small businesses. We are not owned by any insurance company, therefore we provide health insurance information in an objective, easily accessible format that helps you research, compare and purchase health insurance products that best meets your needs, from leading companies in the comfort of your home or office.

Licensed to market and sell health insurance in the state of Florida, we are offering a wide range of health insurance products online. Some of carriers we offer are: Aetna, AvMed, Celtic, Cigna, CoventryOne, Humana One, Preferred Medical Plan & United Health One

FL-HealthInsurance4Less provides consumers with transparency of information about a broad array of health insurance plans with a selection of price and benefit options, complemented by our customer service. Available by phone, email or fax. We are providing Health Insurance in Florida since 2001. We are headquartered in Miami, Florida. Learn more why you should buy from us...

Quick Contact
  • Please call us if you would like to speak with an agent.
  • Phone: 786-306-0972
  • 8902 SW 142 Ave # 106
    Miami, FL, 33186
  • Email:
  • Fax: 305-408-6859

Insurance on the web: Advantages of going online to get Florida Health Insurance

Looking for a perfect health insurance policy can be very tricky. Before you even need the insurance, it is best to set up an insurance plan as early as possible can be advantageous because it does take time to processes these insurance policies. Also, there are some exclusions to the policy especially with pre-existing conditions. Therefore, even if we do not want to get sick at any point of our lives, having a good Florida health insurance can ensure our safety when the worst situation comes. Nowadays, insurance agents understand the needs of clients for fast and immediate insurance processing. Therefore, online insurance information sites are becoming very popular, offering quality services and information for consumers.

Free Quotes

If you are an organization looking for insurance policies for your employees or members, it is very important to get Florida health insurance quotes in order to assess the best policy for your organization as well as the cost of each policy. Free quotes make it easier for consumers to take their chances on a wide range of insurance policies. Getting a quote is also necessary because the situation of an individual is never the same with the other person. Therefore, each policy offered by various insurance policies will work differently albeit similarities in coverage.

Side by Side Comparison

Nowadays, it is also very important for consumers to get Florida affordable health insurance. FL Health Insurance 4 Less offers a convenient service that allows you to compare the top insurance providers across Florida. It is not just about the cost that you need to compare policies. It is also due to the fact that some policies may have limited coverage when it comes to diseases and conditions covered. It is also necessary to understand how much the cost of the policy will be against the amount of coverage that the policy holder will get. It is a balancing act and that is why getting Florida health insurance quotes is a crucial first step.

Fast Online Application

FL Health insurance 4 less offers convenience for all individuals and groups who wish to get started on their path to security and safety. Through an online application service, one can enjoy risk free insurance application. We all know that it can be a tedious process. The website also assured clients that approval rates are fast for most cases; therefore, one can enjoy the coverage and protection as soon as the policy has been finalized.

Live Agent

FL Health insurance 4 less is not just a website; it is an online portal that makes it possible for you to communicate with actual agents who can help you in addressing various concerns when it comes to the policies. Live support is an important feature since there are details that only agents can answer. Nowadays, you only have to go online to get started with your search for the right Florida Health insurance. There are no reasons for delaying this important aspect of your security. With FL Health Insurance 4 Less, you are assured fast, reliable service for your health and dental insurance policies.

Some key Information before you consider buying a Health Insurance in Florida:

Florida Individual Health Insurance:

Today fewer and fewer employers offer health insurance to their employees, so does the number of individuals who choose to buy their own policies is arise, when you as a consumer decides to pay your insurance and your family we use the term of Individual Health Insurance, we want you to understand that this type of coverage is not guaranteed, and your policy issue depends largely on whether you suffer from any medical condition. Once you submit an application is subject to review and final decision can have several scenarios: Policy Issue, Denied Policy, Policy Issue with up rate (25%, 50% or 75%) or Policy Issue with Pre-Existing condition (24 Months) If you are a person who has no medical conditions you should definitely consider buying a Florida Individual Health Insurance, Here you can get good coverage and good benefits. If you want more information the first step is to get free quotes and compare side by side the benefits for the top carriers in Florida. You need to enter the zip code and some details and soon will have access to all the information you need to get an Individual health insurance in Florida.

Florida Group Insurance:

You can apply for Group Insurance in Florida under two conditions: If you are an employer and want to implement a policy for you and your employees, or if you are an employee and your employer is offering a health insurance policy through employment, this type of policy is the choice if you suffer from any medical condition will be exempt as pre-existing conditions, will have no waiting period for maternity benefit, and if an employer will also have tax benefits If you are an employer in the state of Florida and would like more information about how to establish a Group Insurance or want to see what options you have because your policy is close to your anniversary, you can request free information by filling out the form under Group Insurance. Fl ensures that you have the options available in Florida within 24-72 hours.

In Florida we offer:

Small Group Health Insurance: 2-99 Lives

Large Group Health Insurance: 100+

Florida Dental Insurance:

Many times we do not give all the importance it really has dental insurance, but it is well documented how important dental health and how it can impact and generate other systemic diseases, here in Florida you can get dental insurance as part of health insurance, or separately and are available in two forms: DMO and PPO.

DMO: Is what is known as Dental HMO, you as a member has to navigate through the network of the company, because if you do not use a Dental provider contract you will have no coverage, the benefits that you will have to choose a DMO include the monthly premium is lower, no waiting period for basic and major services and there is no Annual Maximum Coverage.

PPO: This is the plan of choice for the majority of dental providers, as a member you can use the network of the company or navigate away from this with a reduced benefit in most cases has a maximum coverage per year, deductible in basic and major services as well as waiting Periods in the latter two services, preventive benefits are covered from the date of effectiveness of the policy.

For More Information You Can Run Free Florida Dental Insurance Quotes by click the DENTAL Tabs.

Find Florida Affordable Health Insurance, compare Florida Health Insurance Quotes side by side and Apply for Florida Health Insurance at

If you want to run a Celtic quote click here.