Department of Management Services

Health Insurance Plans

The State of Florida offers comprehensive health coverage to meet the needs of you and your family through a variety of health plans. Each plan is focused on helping you stay healthy through preventive care benefits and wellness programs, as well as providing access to healthcare services when you need them. Each option covers most of the same types of health services, but provides those services and shares costs with you in a different way.

Below are key highlights of the different types of plans. Click on each plan name to learn more. If you or your eligible dependent is Medicare eligible, be sure you understand what you need to do. Also, see different prescription drug costs on high deductible and standard plans. This may be a factor in your choosing a health plan. Find out if you are eligible for these benefits.

HSA Contribution & Coverage Limits for 2020

The IRS has announced the 2020 contribution and expense limits for Health Savings Accounts (HSAs) and High Deductible Health Plans (HDHPs). Look for this updated information in your 2020 Open Enrollment materials.

Health Savings Account (HSA) Annual Maximum Contribution Amount for 2020
Individual $3,550 (increase of $50)
Family $7,100 (increase of $100)
High Deductible Health Plan (HDHP) Annual Maximum Out-of-Pocket Limit
Individual $6,900 (increase of $150)
Family $13,800 (increase of $300)
High Deductible Health Plan (HDHP) Annual Minimum Deductible Limit
Individual $1,400 (increase of $50)
Family $2,800 (increase of $100)

* State Group Insurance HDHPs have lower out-of-pocket maximum limits than limits set by the Internal Revenue Service. See your 2020 plan document for details.

How the Options Generally Work Your State Options

PPO Options:

  • You may receive care from any doctor or healthcare provider.
  • Your cost for care is lower when you use PPO in-network providers.
  • You have a deductible to meet before the plan pays towards the cost of your healthcare services, except for most preventive care services. 
  • Checklist for Members (Adobe PDF Document 125.79 KB)

Standard PPO

  • Lower deductible (in-network: $250 per person, $500 per family).
  • Higher contributions (payroll deductions) for coverage.
  • Healthcare FSA.
  • Copayments and coinsurance.

High Deductible PPO

  • Higher deductible (in network: $1,350 per person, $2,700 per family).
  • You meet the deductible, and then pay coinsurance for services you receive.
  • Lower monthly contributions (payroll deductions) for coverage.
  • Health Savings Account (HSA) with contributions from the state plus Limited Purpose FSA for dental and vision.
  • Coinsurance only.
  • For more information on the high deductible plan, view this video.

HMO Options:

Standard HMO

  • No deductible.
  • You pay a copayment when you receive care from network providers
  • Higher contributions for coverage.
  • Healthcare FSA.

High Deductible HMO

  • Higher deductible (in network: $1,350 per person, $2,700 per family).
  • You meet the deductible, and then pay coinsurance for services you receive.
  • Lower monthly contributions (payroll deductions) for coverage.
  • Health Savings Account (HSA) and Limited Purpose FSA for dental and vision.
  • For more information on the High Deductible plan, view this video.