I was a health insurance agent for ten years. It's not a matter of me believing you or not. I looked up the policy you are talking about with BCBS of Florida. It's this plan or one very similar:
It's inpatient hospitalization and surgery only. No outpatient care. No prescription coverage. It's one of those skimpy policies that makes people feel like they have coverage because there's a card in their wallet. It would cover a hospital stay leaving you with about $5000-$7500 in bills (deductible plus coinsurance), before you even get started on outpatient treatment or prescriptions. It's a plan made for bankruptcy court. But I do admire you for at least getting some coverage. Seriously, I do. (This is me being sincere)
There's a reason why your premium is so low: that policy won't cover the vast majority of medical bills.
Here's the only BCBS coverage I could obtain in my state, by the way:
Because I have asthma and have a history of several surgeries, my monthly premium would be $1210. (34 year old female)
This is not unusual. Ask anyone with a history of health problems who has tried to get individual health insurance.
If I were nosy (don't answer) I'd ask when you got this policy and if you really
answered every single question on the application completely
. Are you sure? Those questions are worded how they are for a reason. Because insurance companies love to issue policies and take in premiums. But the first time there's a claim, they investigate your entire medical history looking for any reason to deny your claim and cancel your policy. That's how individual health insurance works in the US.