Figuring Out Health Coverage for Your Kids Shouldn't Be This Complicated
Florida offers several programs to help children get health coverage — but the rules around income, age, and eligibility can be confusing. Florida KidCare is the state's umbrella children's health insurance program, covering kids from birth through age 18 through four plans:
Medicaid for Children
Ages 0–4, low income families
MediKids
Ages 1–5
Florida Healthy Kids
Ages 5–18
CMS Health Plan
Children with special medical needs
Coverage eligibility is based on household size and income. No child is ever turned away — if your income is too high for subsidized coverage, you may still enroll in a full-pay KidCare plan. And if KidCare isn't the right fit, we can help you explore affordable private options.
How Much Does Florida KidCare Cost?
What Does Florida Medicaid Cover for Kids?
Florida Medicaid for children covers a comprehensive set of benefits at little to no cost:
Medicaid eligibility is based on income and household size. If your child was recently denied, don't give up — reach out to us. Eligibility rules change, and we may be able to help.
Lost Medicaid or Recently Denied?
If your child (or you) recently lost Medicaid coverage or were denied, you may qualify for a Special Enrollment Period (SEP). This is a limited time window to enroll in a Marketplace or private health insurance plan after certain life events. Acting quickly helps you avoid gaps in coverage or penalties.
⏰ Don't Wait — Time Matters
A Special Enrollment Period is a limited window that opens when you lose coverage. If you've received a notice of termination from Medicaid or KidCare, contact our office today. We'll make sure no one in your family falls through the cracks.
Your Kids Aren't the Only Ones Who Need Coverage
Many families come to us asking about coverage for their children — and once we talk through the details, we find options for the whole household. Whether you're uninsured, recently lost employer coverage, self-employed, or just paying too much, we can help.
Our guidance is always free and no-obligation. We work for you, not for any one insurance company.
When to Reach Out to Us Instead
If you've applied for Florida KidCare and any of the following apply, we want to hear from you:
- →You've been told your child doesn't qualify
- →You're required to pay the full-pay cost ($250+/month)
- →Your child needs access to PPO doctors or out-of-state care
- →You're looking for options that also cover parents or other family members
We can explore affordable private options and guide your whole family through what's available. At no cost to you.
Frequently Asked Questions
We don't process KidCare applications directly, but we help families understand their options and figure out the best next step. If KidCare is right for you, we'll point you there. If not, we'll show you what else is available.
You may still enroll in a full-pay KidCare plan, or we can help you find a private plan that may offer more flexibility, broader networks, or a better price depending on your situation.
Yes. Eligibility is based on your child's age and household income, not your own coverage status.
Yes — this is one of the most common ways we help families. We can review options for every adult in the household and often find coverage that works for everyone at a cost that makes sense.
A SEP is a limited window to enroll in health insurance outside of the standard Open Enrollment period. Losing Medicaid or KidCare coverage qualifies as a life event that triggers a SEP. Time matters — contact us as soon as you receive a notice of termination.
Yes. We are a licensed insurance agency and are compensated by insurers when you enroll in a plan. There is never a fee to work with us.