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.
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.
for in-network care after completing a Baseline Visit
with one flat monthly premium and no surprise bills
and 24/7 telehealth
for personalized support
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.
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.
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.
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
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.
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.
Curative plan options
Curative offers fully-insured and level-funded plan options. Click below to see which plan option is right for your clients.
View plan options and funding typesFor employers who want Curative to take care of it all.
Availability: Companies headquartered throughout 38 counties in Texas and the states of Florida and Georgia. Health insurance is available to employees nationwide.
Company size: 51+ employees
Administrative services: Curative
Stop-loss insurance: N/A
Rebate: N/A
For employers who want more transparency and a chance to save money for improved outcomes.
Availability: Companies headquartered in Texas, Florida, and Georgia. Health insurance is available to employees nationwide.
Company size: 20+ employees
Administrative services: Curative
Stop-loss insurance: Yes
Rebate: 50% of the remaining claims funds
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