Why Florida Residents Should Review Their Health Insurance Each Year
- Austin Jones
- Oct 17
- 3 min read
Why Florida Residents Should Review Their Health Insurance Each Year
When it comes to health insurance, “set it and forget it” isn’t the best approach. Each year brings new plan options, pricing changes, and healthcare updates that could affect your coverage and your wallet. That’s why reviewing your health insurance annually is one of the smartest financial and health decisions you can make.
At Lay’s Insurance Agency, we help residents across Panama City Beach, Santa Rosa Beach, and Port St. Joe navigate their options and ensure their coverage still fits their needs. Whether you’re insured through the Florida Blue Cross Blue Shield Marketplace, employer coverage, or Medicare, here’s why taking the time to review your plan matters.
Plan Options and Coverage Change Every Year
Health insurance providers adjust their plans annually and sometimes in ways that directly impact your care. Networks can shift, meaning your preferred doctor or hospital may no longer be covered under your current plan. Prescription formularies also change, and the services included in preventive care can vary from year to year.
By reviewing your plan during open enrollment (November 1 – January 15), you can compare updates and make sure you’re still getting the coverage that best supports your health needs.
Premiums and Out-of-Pocket Costs Can Increase
Even if your plan looks the same on paper, your monthly premium, deductible, copays, and coinsurance might change. Many Floridians don’t realize how much these small adjustments can add up over the course of a year.
At Lay’s Insurance Agency, we help you compare rates and explore alternative options, including Florida Blue plans, that may save you money while maintaining or improving your coverage.
Your Life and Health Needs Evolve
A lot can change in a year and maybe you’ve gotten married, had a baby, changed jobs, or started new medications. Each of these milestones can affect the type of health insurance that works best for you.
Annual reviews allow you to align your plan with your current life stage, ensuring your coverage grows with your family’s needs.
New Subsidies and Savings May Be Available
Florida residents who purchase coverage through the Health Insurance Marketplace may qualify for new subsidies or tax credits based on income changes. By revisiting your plan each year, you can take advantage of updated federal and state programs that help lower your monthly premiums or out-of-pocket costs.
Our agents at Lay’s Insurance Agency make it easy to check eligibility and enroll in plans that maximize your benefits through Florida Blue Cross Blue Shield.
You Deserve the Best Coverage for Your Budget
Your health insurance is an investment in your well being and financial security. By reviewing your plan annually, you can make sure your money is going toward coverage that truly benefits you. Don’t pay for more than you need or risk being underinsured when it matters most.
Our team specializes in individual, family, and employee group health insurance plans, along with dental, Medicare, accident, critical care, and hospital indemnity coverage.
Ready to Review Your Health Insurance Plan?
The open enrollment period is your chance to compare, update, or switch to a better plan. Let Lay’s Insurance Agency guide you through your options with personalized recommendations and a stress free experience.
📲 Schedule your free consultation today:https://www.laysinsuranceagency.com/contactus
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Visit us at 12118 Panama City Beach Pkwy Suite 22, Panama City Beach, FL 32407
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