Moving to Florida? How to Transfer Your Health Insurance and Find In-Network Doctors Fast
If you’re relocating to Florida, there’s a lot to think about — housing, schools, registration… but don’t forget your health insurance. Many people assume their plan will follow them, only to find their doctor is out-of-network or their plan isn’t available here at all.
Here’s what you need to know to protect your health (and your wallet) during your move.
🔄 Can You Keep Your Health Insurance When Moving to Florida?
It depends. Some national plans (like PPOs) may offer coverage in multiple states, but most people moving to Florida will need to enroll in a new plan — especially if you’re on:
- ✔️ An ACA Marketplace plan
- ✔️ Medicaid
- ✔️ Medicare Advantage
- ✔️ Employer-sponsored insurance
💡 Pro Tip: Moving to Florida qualifies as a “Special Enrollment Period” — meaning you can switch or enroll in a new plan even outside open enrollment.
🏥 Find In-Network Doctors Before You Switch
Before choosing a new plan, make sure your preferred doctor — or a new one in your area — is part of the plan’s network. Going out-of-network can result in full-price bills, even for simple procedures.
The fastest way to do this is using Zocdoc. It lets you filter by insurance, specialty, and city.
🔍 Search In-Network Doctors on Zocdoc
🌴 Trusted Insurance Carriers in Florida
We work with leading carriers to help you find coverage that matches your needs and preferred doctors:
- 💙 Florida Blue
- 🧡 Ambetter
- 💚 Oscar
- ❤️ UnitedHealthcare
- 🟣 Molina
📋 What We Can Help You With
- ✔️ Choosing a new plan that matches your health needs
- ✔️ Confirming which doctors and hospitals are in-network
- ✔️ Comparing ACA Marketplace, Medicare, and private plans
📅 Book a Free 30-Minute Consultation
📦 Related Guides:
- Find In-Network Doctors in Palm Beach County
- Small Business Health Plan Assessment Tool
- Use Life Insurance to Build Wealth in Florida
About the Author:
Samuel Bennett is a licensed insurance advisor helping individuals and families navigate health insurance in Florida. From Palm Beach to Miami, he helps clients simplify coverage and avoid costly mistakes when switching plans.
📧 [email protected] | 📞 954-804-8144
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