Florida Limited-Benefit Plans

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In 2002, the Florida legislature passed SB46E, which allowed a Health Flex Plan to be sold by insurers, HMOs, provider-sponsored organizations, and public or private community-based organizations as a pilot in areas of the state with high uninsured rates. In 2004, legislation was approved allowing Health Flex plans throughout the state. 

Health Flex can limit/exclude benefits required by law, cap the total amount of claims paid per year, limit enrollment, or take any combination of these actions. Health Flex plans may enroll individuals with family incomes no greater than 200 percent FPL and who have been uninsured for the past 6 months and are not otherwise eligible for public programs.