Gov. Charlie Crist will ask the Legislature to help millions of Floridians who have no health insurance by inviting private companies to offer a range of coverage options at reduced cost. But the initiative, laid out for the first time in an e-mailed news release, lacked key details, making it far from clear if Crist's effort would significantly address a problem that has vexed health experts nationwide. Nearly 1 of 4 Floridians under age 65 has no insurance.