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Health Insurance Between Jobs in Florida: Your Best Options for Gap Coverage

Between jobs and need health insurance? Florida residents have several options beyond COBRA. Here's how to find affordable gap coverage quickly.

Jill Syfrett·January 5, 2026·5 min read

This article is currently being finalized. Check back soon for the full gap coverage guide.

What This Article Will Cover

  • The 60-day SEP window after losing employer coverage
  • COBRA: when it's worth the cost and when it isn't
  • ACA Marketplace SEP enrollment: timeline and coverage start dates
  • Short-term health plans in Florida: what they cover and their limitations
  • Medicaid as a temporary option for very low-income individuals
  • The hybrid COBRA strategy: elect but don't pay while you shop
  • What to do if you have a medical event during the coverage gap

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