Are you looking to buy health insurance in Miami? Affordable health insurance in Florida is becoming more difficult to find. The American Medical Association reported in 2007 that premium rates for family health insurance doubled from 2000 to 2007. Insurance companies have been blamed by critics of raising their rates to increase profits but insurance companies argue that rising health care costs have pushed rates up.

Lack of competition is hampering people's ability to buy health insurance in Miami according to policy advocates and consumer groups. In order to achieve more affordable rates in Florida, some groups such as Health Care for America Now, who favor President Obama's goal of government run heath care, say that more government intervention is needed. They cite reports which demonstrate that a handful of large insurers dominate urban areas in the state.

Many observers say that mergers of over 400 insurance companies in the last decade has stifled competition thus increasing rates. This has led to allegations of anti-trust violations which groups like Health Care for America are investigating. On the other side of the coin, insurance companies say that government agencies responsible for overseeing competition in the marketplace have not had a problem with the current state of the market. Many aspects of the business will have to be examined such as cost benefit ratios, benefits of preventative care and allowing the free market to work are beneficial to lowering costs. Some of the areas which require further analysis are increased rates in chronic disease, malpractice insurance rates, drug costs and uncompensated care. Insurers and providers must cooperate with each other to solve costs and improve access.

The call for a public insurance option comes from those claiming such plans would drive down prices and create affordable coverage in Florida for citizens who want to buy health insurance in Miami and throughout Florida. The downside of a public plan is that an artificial price floor could arise, reducing competition even further. This would leave insurance pricing in the hands of the Tallahassee bureaucrats. Advocates of a public insurance option theorize that such plans would decrease prices and provide affordable health insurance in Florida. Strictly handing health insurance over to government intervention will create false prices in the marketplace and put private companies out of business.

Don't be confused by the new laws. Call an experienced local representative for help when it is time to buy health insurance in Miami, Florida or go online and get an instant free quote comparing many companies for the information you need so you can make the right choices for your insurance needs.