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Florida health insurance that’s simple, transparent, and cost-effective

Curative is reimagining Florida health insurance with a plan built around simplicity, accessibility, and preventive care. Whether you’re in Miami, Orlando, Tampa, or anywhere across the country, Curative offers a better alternative to traditional insurance—$0 copays, $0 deductibles, and one predictable monthly premium.

A health plan that works for you

Curative’s approach to health insurance in Florida removes the complexity and cost barriers that often prevent people from getting the care they need. Our model is designed to promote early care, reduce financial stress, and make navigating coverage easier than ever.

  • $0 copays and deductibles

    for in-network care after completing a Baseline Visit

  • Transparent pricing

    with one flat monthly premium and no surprise bills

  • Access to a national provider network

  • Bilingual Care Navigators

    for personalized support

Designed for Florida’s workforce

Traditional plans often don’t meet the needs of today’s workers—especially when cost, complexity, or confusion get in the way of care. Curative’s Florida group health insurance plans are built differently.

We proudly support organizations across key industries in Florida:

  • Hospitality and food service
  • Retail and logistics
  • Transportation, distribution, and warehousing
  • Skilled trades, industrial, and field services
  • Education and public sector
  • Professional and business services
  • Tech and SaaS

Whether your workforce is based in one city or spread across the country, our streamlined model makes it easy to offer high-value benefits employees will actually use.

Why Floridians are choosing Curative

Our research shows that many residents are dissatisfied with the status quo in health insurance in Florida.

  • High deductibles and copays often delay or prevent care
  • Many people feel unsupported or confused by their plan
  • There’s a growing demand for simpler, more affordable solutions

Curative answers that call with a plan that eliminates cost barriers, encourages preventive care, and helps people stay healthy—with less stress and more support.

Where we serve in Florida

Curative is available across the country with robust access to local providers and national coverage:

  • Miami-Dade and Broward Counties
  • Orlando and Central Florida
  • Tampa Bay and Gulf Coast
  • Jacksonville and Northeast Florida
  • Southwest Florida

Whether you're exploring Florida group health insurance plans for your organization or accessing coverage through your employer, Curative offers flexible, high-value solutions designed to support healthier outcomes.

How Curative works

  • Enroll through your employer or benefits administrator

  • Complete your Baseline Visit within 120 days of your plan start date to continue accessing $0 in-network care

  • Use your benefits with confidence, knowing your coverage is designed around simplicity and support

A- AM Best Rating

Estamos bien posicionados para transformar los seguros médicos

We're thrilled to share that we have secured an A- (Excellent) Financial Strength Rating (FSR) and Long-Term Issuer Credit Rating (Long-Term ICR) of “a-” (Excellent) from AM Best for 2025, marking three years of excellence in a row.

  • A- (Excelente) Confirmación de la calificación de solidez financiera por parte de la agencia mundial de calificación crediticia AM Best

  • Curative Inc. inyectó $100 millones en capital para fortalecer su subsidiaria Curative Insurance Company

  • Construir capacidades técnicas para dar soporte a un modelo de negocio sostenible e innovador

Looking for better health insurance in Florida?

Whether you’re evaluating Florida group health insurance plans or searching for a better experience with health insurance in Florida, Curative delivers a plan that puts people first.

Explore plans or contact us to learn more about how Curative is simplifying health care across Florida.

Explore plans

Opciones de planes de Curative

Curative ofrece opciones de planes totalmente asegurados y financiados. Haz clic a continuación para ver qué opción de plan es la adecuada para tus clientes.

Completamente asegurado

Para empleadores que quieren que Curative se encargue de todo.

  • Disponibilidad: empresas con sede en 38  condados de Texas, Florida y Georgia. El seguro de salud está disponible para empleados de todo el país. 
  • Tamaño de la empresa: más de 51 empleados
  • Servicios administrativos: Curative
  • Seguro para limitar las pérdidas: N/A
  • Reembolso: N/A

Financiado

Para empleadores que desean más transparencia y la posibilidad de ahorrar dinero a cambio de mejores resultados.

  • Disponibilidad: empresas con sede en Texas, Florida y Georgia. El seguro de salud está disponible para empleados de todo el país. 
  • Tamaño de la empresa: más de 20 empleados
  • Servicios administrativos: Curative
  • Seguro para limitar las pérdidas: Sí
  • Reembolso: 50 % de los fondos restantes de los reclamos

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We want to be your partner in building a healthier workforce.

Get in touch with us to learn more about Curative's transparent, next generation health plan.