Florida's Cover Florida program will soon introduce new health insurance options at lower costs. Beginning January 5, the program will offer 10 new low-cost but bare-bones health policies to South Florida. Four insurers will sell the policies. The program is open to anyone under age 64 who has been uninsured for at least six months and who also is not eligible for other government or job-related coverage. It's also open to those who recently were laid off, whose post-layoff employer coverage expired, or who were covered by a spouse who died or was laid off.