Cheapest (and Best) Health Insurance in Jacksonville, FL (2023)

Health insurance premiums vary depending on location along with individual factors such as age, plan type and health care needs.

MoneyGeek reviewed marketplace data to find the cheapest health insurance companies in Jacksonville, Florida. We also analyzed monthly costs, maximum-out-of-pocket (MOOP) costs, plan options and claim denial rates to determine the best providers for different profiles.

The availability of some plan types or metal tiers can vary depending on the provider. It is best to shop around and compare your options. If there is only one insurer in your area, choose the plan or tier that suits your needs best.

MoneyGeek analyzed insurers in Jacksonville based on cost, plan options and customer service to find the best companies. The best health insurance company in Jacksonville is Ambetter at $457 monthly for a Silver plan with an average MOOP of $4,401. Aetna ranks second at $474 monthly for a Silver plan with a MOOP of $5,194.

When shopping for the best health insurance, apart from cost, factors like plan options, cost-sharing choices and customer service should be considered.

The best cheap health insurance company in Jacksonville is Ambetter, costing an average premium of $457 per month for a Silver plan and an average MOOP of $4,401.

Health insurance premiums vary based on how you split the costs of care with your health insurance provider. The location also impacts costs.

The cheapest company is not always the best provider. If you are looking for low-cost health insurance, understanding how the metal tier system works and how premiums and MOOPs are related will help you identify the cheapest options. Deductibles, copays and co-insurance will also impact your health insurance costs.

Ambetter offers the cheapest Silver plan in Jacksonville at $457 monthly. This analysis is done at a provider level and is based on average rates.

The cheapest plans might not always be the best. If you prioritize affordability, Silver plans are a good option since they offer a balance of premiums and MOOP costs.

Health plans are categorized into metal tiers ranging from Bronze through Platinum, with Bronze being the cheapest. Catastrophic plans are cheaper than Bronze, but they have age requirements and limited coverage.

Plans with low premiums have high MOOP costs, so they protect you in case of disaster but offer limited coverage for routine health care. The table below shows the cheapest providers in Jacksonville by metal tier (excluding Catastrophic) with their average plan costs.

Ambetter’s CMS Standard Silver VALUE is the cheapest Silver plan in Jacksonville at $440 per month. This analysis is on a plan level rather than a provider level.

You can look up the cheapest health insurance companies in Jacksonville by metal with their average plan costs in the table below. This table does not include Catastrophic plans since they are limited to those under the age of 30.

Age is a major factor in the cost of health insurance, regardless of location. Premiums typically increase with age since as you get older, your health care needs increase.

Bronze or Expanded Bronze plans typically offer the cheapest rates. Catastrophic plans can be more affordable, but they are only available if you meet the eligibility requirements.

When you opt for a low-tier plan, check that you are comfortable with the plan’s network of providers to avoid paying for out-of-network services. You can use the table below to look up the cheapest Silver plan providers.

Metal tier and age are the factors that have the biggest impact on your health insurance costs. Premiums are more expensive for high-tier plans like Gold and Platinum. You will also pay more for health insurance the older you get.

You can compare how costs vary by metal and age in the graph below.

If your income falls within a specific bracket, you may qualify for financial assistance for your health insurance premiums.

Health insurance subsidies were previously available to those whose income falls between 100% and 400% of the federal poverty level (FPL). The American Rescue Plan Act and the Inflation Reduction Act reviewed income limits for health insurance subsidies for 2022–2025, allowing people whose income is over 400% of the FPL to also access subsidies.

If you do not qualify for subsidies, you can still get assistance through Medicaid and CHIP. If your income falls between 100% and 150% of the FPL, you may be eligible for Medicaid. Although Medicaid and Medicaid are both sponsored by the government, eligibility requirements differ by state.

MoneyGeek answered commonly asked questions to help you learn more about cheap medical insurance in Jacksonville.