Florida Health Insurance Quoter Now Available Online!

Florida Individual Health Insurance vs. Florida Group Health Insurance

Many Floridians are quite familiar with large group medical insurance through their employer if they have ever worked for a large corporation (in Florida a large group is considered a company or group that has more than 50 employees).

On the other hand, when it comes to understanding individual medical insurance in Florida and how it works or even understanding small group medical insurance in Florida and how that works, it turns out to be somewhat different than the large group medical insurance plan that most of us have known so well for so long.

Pre-Existing Conditions and Florida Health Insurance

Individual medical insurance in Florida is different from group medical insurance in Florida due to the underwriting departments. Florida insurance companies look closely at any pre-existing conditions that an applicant has had in their 10 year health history when they are applying for an individual health policy.

Less severe pre-existing health conditions such as high cholesterol, high blood pressure, mild obesity, and heartburn/acid reflux will generally result in a rider being placed on the accompanying policy that will exclude coverage for anything related to that specific pre-existing condition. Riders are generally levied on an indefinite basis or a temporary basis (12-24 months in most cases).

Many Florida insurance companies "rate up" an applicant they deem as excess risk due to pre-existing conditions. This "rate up" simply means that they will offer to cover the mild pre-existing conditions but they will offer you a rate increased premium amount that can be 10% to 50% more than was initially quoted you, it all depends on the underwriting department at the insurance company as to what premium amount that they will offer you if they decide to accept you.

Florida Group Health Insurance Basics
 
Florida group medical insurance is much simpler in that generally there is not as much scrutiny towards an applicant's health history and pre-existing conditions. This is good or bad depending on your present health condition. It is good if you are an unhealthy person with some major pre-existing conditions because it allows you to obtain group medical insurance when you would be declined if you tried to obtain individual medical insurance (due to your pre-existing conditions).

However, it is bad from a financial sense if you are a generally healthy person because you are paying a higher premium cost for group medical insurance (as opposed to individual medical insurance) - that is unless your employer is paying the cost for all of your group medical insurance: then you are quite happy (unless you have a family and your employer is not so kind as to pay for them to be on the group medical coverage as well!)

Finding Cheap Florida Health Insurance Rates

Just from what you have learned so far; which do you think would be more expensive - group medical insurance or individual medical insurance?

If you said group medical insurance then you are on the right track to understanding the main difference between the two.

Think of the cost of group medical insurance versus the cost of individual medical insurance like this:

If your new co-worker at the cubicle next to you has cancer then guess what? They will be able to obtain group medical coverage on your group plan even though they never would be approved for an individual medical insurance policy.

You as a healthy person are in a sense subsidizing the cost of your unhealthy co-worker (and all of the other unhealthy people) in paying their premiums.

It follows of course that the premiums will be higher for a group medical insurance plan in Florida where the insurance company has to take on both healthy and unhealthy people as opposed to an individual medical insurance plan in Florida where the insurance company can pick and choose who they will accept.

Compare Florida Health Insurance Quotes Online!

Be sure to research your Florida medical insurance options thoroughly by consulting with one of our independent health insurance agents who can represent multiple health insurance companies and by comparing Florida health insurance quotes from multiple companies side by side.

Be sure not to believe any agent who tells you that you will be approved for an individual medical insurance policy whether you have pre-existing conditions or not - chances are they are just trying to unload a sale to a worthless medical discount plan - not medical insurance.

Compare Florida medical insurance quotes from all of the top insurance companies side by side now by entering your zip code on this page!

The Value of Finding Florida Health Insurance Online

Florida health insurance companies are now feeling the effects of the increased price transparency that the Internet brings.

The simplest and most efficient way to obtain health insurance coverage in Florida is simply to make the top health insurance companies in the state (United Healthcare, BCBSFL, Assurant, Aetna, Humana, etc.) compete for your business!

Understanding Florida Health Insurance

Health insurance in Florida has become something that every Florida resident needs and yet something that very few understand.

Affordable and comprehensive health insurance in Florida should not be confusing, uncertain, or difficult to obtain. However, at times this is case because the Florida health insurance market is saturated with many different insurance companies, insurance policies, and enough convoluted features to make you go crazy.

RELAX! Shopping for health insurance in Florida does not have to be a long and drawn out, mind-numbing chore.

Let Florida Insurance Quoter take a look at a few basic principles of health insurance in Florida for you. Let us do a little research and then find an affordable and comprehensive Florida health insurance policy that is just right for you and your family!
 
Florida Discount Health Plan Warning

Let's take a look at a few things that are NOT considered adequate health insurance in Florida. Discount health plans are not insurance! In fact, simply type into any major search engine, "Discount health plan warning" and take a look at all of the government warnings that pop up telling consumers to beware of discount health plans.

If it sounds too good to be true, guess what, it probably is.

Florida Indemnity Health Insurance Plans

An indemnity policy is a health insurance policy that uses a method of paying out benefits based on a predetermined, fixed rate set for the medical services provided, regardless of the actual expenses incurred.

Let's say that you have a hospital charge that amounts to $100,000 (not unreasonable for a 4 night stay by any stretch of the imagination these days) and in the fine print of your Florida indemnity health insurance policy contract it states that they will pay an indemnity benefit of $5,000 maximum for any given hospital benefit - then guess what?

You are stuck with a $95,000 bill! 

You can imagine the potential for abuse with an indemnity health insurance policy is enormous. 

Limited Benefit Health Insurance in Florida

Another type of health insurance in Florida to watch out for is a health insurance policy that has a calendar year limit.

This is a step up from an indemnity policy but it is still far from comprehensive. A calendar year limits means exactly what it says. Rather than capping your benefit based on the procedure as in an indemnity policy a policy with a calendar year limit will only pay benefits in total for any given year up to a certain benefit amount. After you reach that level it is as if you do not have health insurance for the rest of the year.

Florida Health Insurance Providers

Now that you know to avoid the discount health plans, the indemnity style policies, and the policies with calendar year limits. Let's take a look at some good strong companies that offer health insurance in Florida.

There are a number of different Florida health insurance providers but the largest health insurance companies in Florida are United Healthcare, Cigna, Aetna, Blue Cross Blue Shield of FL, Assurant, and Humana. Each of these Florida health insurance companies offer plans that have at least $3,000,000 of coverage per person with no calendar year limits and no indemnity style features.

Each of these companies have a maximum out of pocket cost for you for any given year so that you and your family can budget for any given year and know that no matter what happens (even if hospital bills approach 6 or even 7 figures!) you will never pay more than the maximum out of pocket cost in any given year. This maximum out of pocket cost varies between the 5 companies and depends on the plan chosen (you can compare all of the different maximum out of pocket amounts and other features from the top FL health insurance providers in your zip code if you view instant LIVE Florida health insurance quotes using the tool at the top of the page).

Additional Florida Health Insurance Companies

Many of the smaller health insurance companies in Florida are forced to put indemnity style features and calendar year limits in their policies simply in order to compete with some of the larger and more established FL health insurance companies. Be a discriminating health insurance shopper and utilize one of our Florida Insurance Quoter's independent insurance agents that can work with many different FL health insurance companies and find you affordable and comprehensive health insurance in Florida.

Buying Individual Policies in Florida

As a general rule, insurers in Florida are allowed to reject your application for coverage based on your health status. There are several exceptions to this general rule:

• If you have had at least 3 months of coverage under a group plan, you may be eligible to buy a conversion policy. This will convert your group plan into an individual policy.
  
• If you had coverage under an individual policy or HMO, and your coverage was terminated because the insurer became insolvent, dropped all individual coverage in Florida, or you moved out of your policy's service area, you may be eligible to buy an individual health insurance policy.
• 
  If you are HIPAA-eligible but do not qualify for a conversion policy, you are guaranteed the right to buy an individual health policy. This is a rare situation, as HIPAA-eligible individuals are those who have been covered under a group plan AND have exhausted all COBRA continuation coverage available to them.

If you are not sure whether you are eligible to buy an individual policy or a conversion policy, contact Florida Insurance Quoter or the Office of Insurance Regulation can help you find out.

Florida Insurance Quoter's Value as an Independent Florida Health Insurance Agency

If you cringe at the thought of a United Healthcare agent, an Aetna agent, and a Humana agent all clustering around you amongst a swarm of other Florida health insurance agents and agencies trying to push their company's health care policy upon you then read on; we represent YOU for health insurance shopping on the Internet and the Florida Insurance Quoter has simplified everything.

There are numerous Florida health insurance websites that offer Florida health insurance quotes but there is only one that gives you the customer service and shops ALL possibilities to give you the lowest possible rates. 

There are two main types of websites that offer Florida health insurance quotes to Florida health insurance shoppers: Marketing Organizations and Insurance Agencies.

Marketing Organizations don't sell insurance, are not regulated by any Florida's insurance department, and generally have no knowledge concerning Florida health insurance coverage.
They act as a middleman between Florida health insurance buyerss and Florida health insurance agents. When Joe the plumber in West Palm Beach, FL requests a health insurance quote, the marketing company sells her information as a lead to 5 or more Florida insurance agents. Not only is this dirty, it frustrates the buyer.

Ignoring the privacy issues and the issue of the qualifications of the health insurance agents that will be purchasing your information there is the larger and more practical issue of do you really want to have 5+ insurance agents aggressively seeking your business?

Imagine that each health insurance agent is taught in their sales training to call you at least 5 times and email you at least 3 times before "giving up" on you as an insurance prospect: that means that you have received 25 phone calls and 15 emails from various insurance agents!

The second type of website that offers Florida health insurance quotes is the website that is run by an insurance agency (note that it is very important to find only an independent Florida insurance agency: meaning an agency that is not tied to working with only one health insurance company but can show you health insurance quotes from all of the top Florida health insurance companies [we can!]. This is also why we will ignore the third group of websites that offer Florida health insurance quotes: the health insurance carrier websites themselves.

These can be a good service but very time consuming. There is a better way to shop for Florida health insurance.

Most independent insurance agency websites offer a feature that will allow you to request Florida health insurance quotes. However, there is a much better way to shop for Florida health insurance! Rather than waiting for your request for health insurance quotes to be filled; our website offers instant and LIVE health insurance quotes from top Florida health insurance companies!

With instant LIVE Florida health insurance quotes you have the best of both worlds: you receive the benefits of competitive pricing by viewing the top Florida health insurance companies quotes for health coverage side by side as well as personal, expert help. Not to mention the added benefit of viewing the health insurance quotes from the different health insurance companies in the same format: enabling easy side by side comparisons of benefits.

This allows for a true "oranges to oranges" comparison.

Searching online for Florida health insurance quotes does not have to be a long and drawn out ordeal - full of form after form filled out ad infinitum. Answering health history questions and entering and re-entering your family's date of birth, height and weight and other specific family information is not a fun way to spend time online.

Let us help you in your Florida health insurance search. Fill out one quick short form (usually takes less than 20 seconds) and then view 20 or more health insurance quotes from top FL health insurance company's offering coverage in your zip code - instantly!

Yes, if you prefer you can go to each insurance company's website directly but the quoted premiums will be exactly the same as insurance premiums are set by the insurance company and regulated by the state of Florida. The premium that you pay will be exactly the same whether you go to the insurance company directly or use an independent agent/broker like us.

Not only do we help you save time but we also help you save money. View the top Florida health insurance company's quotes side by side in an easy to compare fashion. Viewing the rates that are offered in your zip code could allow you to see that maybe Aetna is a better deal than a Golden Rule United Healthcare or maybe a Humana One is a better deal than a Blue Cross Blue Shield of Florida.

You will save time and money right away but also every year as a client of our independent Florida insurance agents. Why is that? Every year we conduct an annual health insurance policy review with our clients where we re-evaluate client needs and current coverage and compare it all over again against other top company's quotes. Things change - and we want to make sure that you are fully protected, receiving the best value from a reputable Florida insurance company, and thrilled with the level of personal attention and service that you are receiving from us!

View up to 20 REAL TIME Florida health insurance quotes and auto quotes from top Florida health insurance and auto insurance companies like Aetna, Humana, United Healthcare, SafeCo, Travels, GMAC and more all in less than 20 seconds!
 
Enter your zip code or click on Auto Insurance to view Florida health insurance and auto insurance quotes now!

Florida Insurance Quoter serves the following counties and cities in delivering the best coverage for health insurance, auto insurance, homeowners insurance:

Alachua - Alachua County
 Alford - Jackson County
Altamonte Springs - Seminole County
Altha - Calhoun County
Anna Maria - Manatee County
Apalachicola - Franklin County
Apopka - Orange County
Arcadia - DeSoto County
Archer - Alachua County
Astatula - Lake County
Atlantic Beach - Duval County
Atlantis - Palm Beach County
Auburndale - Polk County
Aventura - Miami-Dade County
Avon Park - Highlands County
Baldwin - Duval County
Bal Harbour - Miami-Dade County
Bartow - Polk County
Bascom - Jackson County
Bay Harbor Islands - Miami-Dade County
Bay Lake - Orange County
Bell - Gilchrist County
Belleair - Pinellas County
Belleair Beach - Pinellas County
Belleiar Bluffs - Pinellas County
Belleair Shore - Pinellas County
Belle Glade - Palm Beach County
Belle Isle - Orange County
Belleview - Marion County
Beverly Beach - Flagler County
Biscayne Park - Miami-Dade County
Blounstown - Calhoun County
Boca Raton  - Palm Beach County
Bonifay - Holmes County
Bonita Springs - Lee County
Bowling Green - Hardee County
Boynton Beach - Palm Beach County
Bradenton - Manatee County
Bradenton Beach - Manatee County
Brandon - Hillsborough County
Branford - Suwannee County
Briny Breezes - Palm Beach County
Bristol - Liberty County
Bronson - Levy County
 
Brooker - Bradford County
 
Brooksville - Hernando County
Bunnell - Flagler County
Bushnell - Sumter County
Callahan - Nassau County
Callaway - Bay County
Campbellton - Jackson County
Cape Canaveral - Brevard County
Cape Coral - Lee County
Carrabelle - Franklin County
Caryville - Washington County
Casselberry - Seminole County
Cedar Grove - Bay County
Cedar Key - Levy County
Center Hill - Sumter County
Century - Escambia County
Chattahoochee - Gadsden County
Chiefland - Levy County
Chipley - Washington County
Cinco Bayou - Okaloosa County
Clearwater - Pinellas County
Clemont - Lake County
Clewiston - Hendry County
Cloud Lake - Palm Beach County
Cocoa - Brevard County
Cocoa Beach -Brevard County
Coconut Creek - Broward County
Coconut Grove - Miami-Dade County
Coleman - Sumter County
Cooper City - Broward County
Coral Gables - Miami-Dade County
Coral Springs - Broward County
Cottondale - Jackson County
Crescent City - Putnam County
Crestview - Okaloosa County
Cross City - Dixie County
Crystal River - Citrus County
Dade City - Pasco County
Dania Beach - Broward County
Davenport - Polk County
Davie - Broward County
Daytona Beach - Volusia County
Daytona Beach Shores - Volusia County
DeBary - Volusia County
Deerfield Beach - Broward County
DeFuniak Springs - Walton County
DeLand -- Volusia County
Delray Beach - Palm Beach County
Deltona - Volusia County
Destin - Okaloosa County
Dundee - Polk County
Dunedin - Pinellas County
Dunnellon - Marion County
Eagle Lake - Polk County
Eatonville - Orange County
Ebro - Washington County
Edgewater - Volusia County
Edgewood - Orange County
El Portal - Holmes County
Eustis - Lake County
Everglades City - Collier County
Fanning Springs - Gilchrist / Levy County
Fellenfere - Indian River County
Fernandina Beach - Nassau County
Flagler Beach - Flagler County
Florida City - Miami-Dade County
Fort Lauderdale - Broward County
Fort Meade - Polk County
Fort Myers - Lee County
Fort Myers Beach - Lee County
Fort Pierce - St. Lucie County
Fort Walton Beach - Okaloosa County
Fort White - Columbia County
Freeport - Walton County
Frostproof - Polk County
Fruitland Park - Lake County
Gainesville - Alachua County
Glen Ridge - Palm Beach County
Glen St. Mary - Baker County
Golden Beach - Miami-Dade County
Golf - Palm Beach County
Graceville - Jackson County
Grand Ridge - Jackson County
Greenacres - Palm Beach County
Green Cove Springs - Clay County
Greensboro - Gadsden County
Greenville - Madison County
Greenwood - Jackson County
Gretna - Gadsden County
Groveland - Lake County
Gulf Breeze - Santa Rosa County
Gulfport - Pinellas County
Gulf Stream - Palm Beach County
Haines City  - Polk County
Hallandale Beach - Broward County
Hampton - Bradford County
Hastings - St. Johns County
Havana - Gadsden County
Haverhill - Palm Beach County
Hawthorne - Alachua County
Hialeah - Miami-Dade County
Hialeah Gardens - Miami-Dade County
High Springs - Alachua County
Highland Beach - Palm Beach County
Highland Park - Polk County
Hillcrest Heights - Polk County
Hillsboro Beach - Broward County
Holly Hill - Volusia County
Hollywood - Broward County
Holmes Beach  - Manatee County
Homestead - Miami-Dade County
Horseshoe Beach - Dixie County
Howey-in-the-Hills - Lake County
Hypoluxo - Palm Beach County
Indialantic - Brevard County
Indian Creek - Miami-Dade County
Indian Harbour Beach - Brevard County
Indian River Shores - Indian River County
Indian Rocks Beach  - Pinellas County
Indian Shores - Pinellas County
Inglis - Levy County
Interlachen - Putnam County
Inverness - Citrus County
Islandia - Miami-Dade County
Jacob City - Jackson County
Jacksonville - Duval County
Jacksonville Beach - Duval County
Jasper - Hamilton County
Jay - Santa Rosa County
Jennings - Hamilton County
Juno Beach - Palm Beach County
Jupiter - Palm Beach County
Jupiter Inlet Colony - Palm Beach County
Jupiter Island - Martin County
Kenneth City - Pinellas County
Key Biscayne - Miami-Dade County
Key Colony Beach - Monroe County
Key West - Monroe County
Keystone Heights - Clay County
Kissimmee - Osceola County
La Crosse - Alachua County
Lady Lake - Lake County
Lake Alfred - Polk County
Lake Buena Vista - Orange County
Lake Butler - Union County
Lake City - Columbia County
Lake Clarke Shores - Palm Beach County
Lake Hamilton - Polk County
Lake Helen - Volusia County
Lake Mary - Seminole County
Lake Park - Palm Beach County
Lake Placid - Highlands County
Lake Wales - Polk County
Lake Worth - Palm Beach County
Lakeland - Polk County
Lantana - Palm Beach County
Largo - Pinellas County
Lauderdale Lakes - Broward County
Lauderdale by the Sea - Broward County
Lauderhill - Broward County
Laurel Hill - Okaloosa County
Lawtey - Bradford County
Layton - Monroe County
Lazy Lake - Broward County
Lee - Madison County
Leesburg - Lake County
Lighthouse Point - Broward County
Live Oak - Suwannee County
Longboat Key - Sarasota County
Longwood - Seminole County
Lutz - Pasco County
Lynn Haven -Bay County
Macclenny - Baker County
Madeira Beach - Pinellas County
Madison - Madison County
Maitland - Orange County
Malabar - Brevard County
Malone - Jackson County
Manalapan - Palm Beach County
Mangonia Park - Palm Beach County
Marathon - Monroe County
Marco Island - Collier County
Margate - Broward County
Marianna - Jackson County
Mary Esther - Okaloosa County
Mascotte - Lake County
Mayo - Lafayette County
McIntosh - Marion County
Medley - Miami-Dade County
Melbourne - Brevard County
Melbourne Beach - Brevard County
Melbourne Village - Brevard County
Mexico Beach - Bay County
Miami - Miami-Dade County
Miami Beach - Miami-Dade County
Miami Lakes -- Miami-Dade County
Miami Shores Village-Miami-Dade County
Miami Springs - Miami-Dade County
Micanopy - Alachua County
Midway - Gadsden County
Milton - Santa Rosa County
Minneola - Lake County
Miramar - Broward County
Monticello - Jefferson County
Montiverde - Lake County
Moore Haven - Glades County
Mount Dora - Lake County
Mulberry - Polk County
Naples - Collier County
Neptune Beach - Duval County
Newberry - Alachua County
New Port Richey - Pasco County
New Smyrna Beach - Volusia County
Niceville - Okaloosa County
Noma - Holmes County
North Bay Village - Miami-Dade County
North Lauderdale - Broward County
North Miami - Miami-Dade County
North Miami Beach - Miami-Dade County
North Palm Beach - Palm Beach County
North Port - Sarasota County
North Redington Beach - Pinellas County
Oak Hill - Volusia County
Oakland - Orange County
Oakland Park - Broward County
Ocala - Marion County
Ocean Breeze Park - Martin County
Ocean Ridge - Palm Beach County
Ocoee - Orange County
Okeechobee - Okeechobee County
Oldsmar - Pinellas County
Opa-Locka - Miami-Dade County
Orange City - Volusia County
Orange Park - Clay County
Orchid - Indian River County
Orlando - Orange County
Ormond Beach - Volusia County
Otter Creek - Levy County
Oviedo - Seminole County
Pahokee - Palm Beach County
Palatka - Putnam County
Palm Bay - Brevard County
Palm Beach - Palm Beach County
Palm Beach Gardens - Palm Beach County
Palm Beach Shores - Palm Beach County
Palm Coast - Flagler County
Palm Harbor - Pinellas County
Palm Shores - Brevard County
Palm Springs - Palm Beach County
Palmetto - Manatee County
Panama City - Bay County
Panama City Beach - Bay County
Parker - Bay County
Parkland - Broward County
Paxton - Walton County
Pembroke Park - Broward County
Pembroke Pines - Broward County
Penney Farms - Clay County
Pensacola - Escambia County
Perry - Taylor County
Pierson - Volusia County
Pinecrest - Miami-Dade County
Pinellas Park - Pinellas County
Plantation - Broward County
Plant City - Hillsborough County
Polk City - Polk County
Pomona Park - Putnam County
Pompano Beach - Putnam County
Ponce De Leon - Holmes County
Ponce Inlet - Volusia County
Port Orange - Volusia County
Port Richey - Pasco County
Port St. Joe - Gulf County
Port St. Lucie - St. Lucie County
Punta Gorda - Charlotte County
Quincy - Gadsden County
Raiford - Union County
Reddick - Marion County
Redington Beach - Pinellas County
Redington Shores - Pinellas County
Riviera Beach - Palm Beach County
Rockledge - Brevard County
Royal Palm Beach - Palm Beach County
Safety Harbor - Pinellas County
San Antonio - Pasco County
Sanford - Seminole County
Sanibel - Lee County
Sarasota - Sarasota County
Satellite Beach - Brevard County
Sea Ranch Lakes - Broward County
Sebastian - Indian River County
Sebring - Highlands County
Seminole - Pinellas County
Sewall's Point - Martin County
Shalimar - Okaloosa County
Sneads - Jackson County
Sopchoppy - Wakulla County
South Bay - Palm Beach County
South Daytona - Volusia County
South Miami - Miami-Dade County
South Palm Beach  - Palm Beach County
South Pasadena - Pinellas County
Southwest Ranches - Broward County
Springfield - Bay County
St. Augustine - St. Johns County
St. Augustine Beach - St. Johns Beach 
St. Cloud - Osceola County
St. Leo - Pasco County
St. Lucie Village - St. Lucie County
St. Marks - Wakulla County
St. Pete Beach - Pinellas County
St. Petersburg - Pinellas County
Starke - Bradford County
Stuart - Martin County
Sunny Isles Beach - Miami-Dade County
Sunrise - Broward County
Surfside - Miami-Dade County
Sweetwater - Miami-Dade County
Tallahassee - Leon County
Tamarac - Broward County
Tampa - Hillsborough County
Tarpon Springs - Pinellas County
Tavares - Lake County
Temple Terrace - Hillsborough County
Tequesta - Palm Beach County
Titusville - Brevard County
Treasure Island - Pinellas County
Trenton - Gilchrist County
Umatilla - Lake County
Valparaiso - Okaloosa County
Venice - Sarasota County
Vernon - Washington County
Vero Beach - Indian River County
Virginia Gardens - Miami-Dade County
Waldo - Alachua County
Wauchula - Hardee County
Wausau - Washington County
Webster - Sumter County
Weeki Wachee - Hernando County
Welaka - Putnam County
Wellington  - Palm Beach County
West Melbourne - Brevard County
West Miami - Miami-Dade County
West Palm Beach - Palm Beach County
Weston - Broward County
Westville - Holmes County
Wewahitchka - Gulf County
White Springs - Hamilton County
Wildwood - Sumter County
Williston - Levy County
Wilton Manors - Broward County
Windemere - Orange County
Winter Garden - Orange County
Winter Haven - Polk County
Winter Park - Orange County
Winter Springs - Seminole County
Worthington Springs - Union County
Yankeetown - Levy County
Zephyrhills - Pasco County
Zolfo Springs - Hardee County