Top Health Insurance Carriers in Florida
| Carrier | Plan Types | Est. Individual Premium | Network | HSA Plans? |
|---|---|---|---|---|
| Florida Blue | PPO, HMO, HDHP | $426–$496/mo | Statewide | ✓ Yes |
| Ambetter / Centene | HMO | $396–$466/mo | Regional HMO | ✓ Yes |
| Cigna | PPO, EPO, HDHP | $436–$506/mo | National PPO | ✓ Yes |
| Aetna / CVS | HMO, PPO, HDHP | $431–$501/mo | National | ✓ Yes |
| UnitedHealthcare | PPO, HMO, HDHP | $441–$516/mo | National PPO | ✓ Yes |
Premium estimates for a 40-year-old non-smoker. Not all carriers available in all counties. Actual rates depend on age, household size, and zip code.
Average Health Insurance Costs in Florida
| Coverage | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Individual (age 30) | $328/mo | $401/mo | $456/mo | $556/mo |
| Individual (age 40) | $369/mo | $447/mo | $511/mo | $616/mo |
| Individual (age 50) | $538/mo | $652/mo | $748/mo | $898/mo |
| Family of 4 (age 40) | $978/mo | $1184/mo | $1208/mo | $1474/mo |
ACA Subsidy Eligibility in Florida
| Household Size | Income for $0 Premium Plan | Income for Max Subsidy | Income: No Subsidy |
|---|---|---|---|
| 1 person | Under $21,870 | $21,870–$32,805 | Over $60,240 |
| 2 people | Under $29,580 | $29,580–$44,370 | Over $81,540 |
| Family of 4 | Under $45,000 | $45,000–$67,500 | Over $124,800 |
How subsidies work: The ACA caps your premium at a percentage of your income. At 150% FPL in 2026, you pay $0. At 300% FPL, you pay approximately 6% of income. Use our quote tool to calculate your exact subsidy and see after-subsidy plan costs.
Florida Medicaid Information
Florida has NOT expanded Medicaid. Residents below 100% FPL may face a coverage gap if they don't qualify for marketplace subsidies.
How to Choose the Best Plan in Florida
- Check your doctors: Confirm your primary care doctor and any specialists are in-network before selecting a plan.
- Run the total cost math: For healthy people, Bronze HDHP + HSA often beats Gold PPO by $1,500–$3,000/year including tax savings.
- Check your prescriptions: If you take maintenance medications, verify formulary coverage before enrolling — drug costs vary dramatically between plans.
- Consider the out-of-pocket maximum: At full premium (no subsidy), prioritize a low out-of-pocket max over a low deductible.
Frequently Asked Questions
What is the best health insurance in Florida?
The best health insurance in Florida depends on your budget, health needs, and preferred doctors. Florida Blue is the largest carrier in Florida with the widest statewide network. For the lowest premiums, Ambetter typically offers the most affordable plans. For HSA compatibility and tax savings, look for HDHP options from any major carrier.
How much does health insurance cost in Florida?
Health insurance in Florida costs approximately $396–$536/month for an individual and $1108–$1358/month for a family of four before subsidies. After ACA premium tax credits, many Florida residents pay significantly less — some as low as $0/month depending on household income and size.
Can I get subsidized health insurance in Florida?
Yes. Most Florida residents earning between 100% and 400% of the Federal Poverty Level qualify for ACA premium tax credits. Enhanced subsidies from the Inflation Reduction Act extended eligibility further — some people earning above 400% FPL also qualify. A licensed broker can calculate your exact subsidy amount for free.
When is Open Enrollment for health insurance in Florida?
Open Enrollment in Florida runs November 1 through January 15 each year. Coverage begins January 1 if you enroll by December 15, or February 1 if you enroll between December 16 and January 15. Outside of Open Enrollment, you need a qualifying life event (job loss, marriage, birth of a child, move) to enroll.