Try checking out this link.
http://www.georgetown.edu/research/ihcrp/hipaa/ It has information on how HIPAA has been implemented in each of the states with respect to individual health insurance. Generally, HIPAA provides that certain people cannot be turned down for an individual policy (it might cost a lot . . . but). However, the state can provide an "alternative mechanism" in lieu of this law. For instance, in Indiana, we have a state high risk insurance pool. So what you need to do is find out what the law is in FL. Try that site, and also call the state insurance commissioner. Good Luck.