Updated: November 3, 2025
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Florida Health Care Plans offers Florida's best HMO health insurance with 97/100 scores and Silver plans starting at $557 monthly for adults.
Blue Cross Blue Shield offers the best EPO health insurance in Florida, where available, with average rates of around $658 per month.
Compare total yearly costs, not just premiums, since a $450 bronze plan might cost more than a $650 silver plan with lower deductibles.
Florida Health Care Plans scored a 97 on 100 with $557 monthly premiums, ranking as the best health insurance for HMO plans in Florida. Health First Commercial works well if you are looking for cheap health insurance in Florida and qualify for low-income assistance. It costs $550 monthly and caps your yearly expenses at $3,706.
If these aren’t available in your area, BCBS, Molina and Ambetter provide excellent alternatives with competitive rates and solid coverage options.
HMO | Florida Health Care Plans | $557 | $8,370 | 97 |
EPO | Blue Cross Blue Shield | $657 | $8,083 | 100 |
People with low-income | Health First Commercial | $550 | $3,706 | 99 |
*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.
Florida Health Care Plans ranks first for the best HMO option in Florida, earning a 97 MoneyGeek score. It connects members to more than 9,500 health care providers across five Central Florida counties. For a 40-year-old, Silver plans average about $557 per month, with an annual out-of-pocket limit of $8,370. That means even in a major medical emergency, you’ll never pay more than that amount for covered services.
The company’s care centers bring doctors, pharmacies, labs and urgent care together in one location, making it easier to get the care you need without traveling between different offices. HMO plans require a primary care doctor who provides referrals to specialists, but emergency services are always covered, even out of network.
With more than 50 years of experience in Florida, this regional insurer has built trusted local relationships in Brevard, Flagler, Seminole, St. Johns and Volusia counties.
Blue Cross Blue Shield (BCBS) of Florida earned our pick for best EPO health insurance company due to its material market share in Florida, strong brand recognition, and positive operating earnings over the past five years. With a highest MoneyGeek score and ranking #1 for affordability statewide, the company offers comprehensive coverage at competitive rates averaging $7,884 annually.
The strong MOOP score of 5 means you'll have lower maximum out-of-pocket costs than many competitors. Skip the waiting room with virtual visits to primary care doctors or specialists for as low as $0 copay on many plans.
With A+ Superior financial strength from AM Best and strong operating performance over five years, Florida Blue provides reliable coverage for budget-conscious Floridians, offering products in all 67 counties and becoming one of the largest providers of individual coverage among Blue Cross Blue Shield plans.
Health First Commercial is one of the best choices for low-income residents in Florida, earning a 99 out of 100 MoneyGeek score. For a 40-year-old, Silver plans average about $550 per month, and its perfect affordability rating shows how budget-friendly it is.
The plan’s low out-of-pocket maximum of $3,706 keeps your yearly costs much lower than what many other insurers charge. If you qualify for federal subsidies, your monthly payment could drop even more, sometimes reaching zero for households earning under 150% of the federal poverty level.
Health First serves 14 Central Florida counties and works with more than 4,000 providers. It also earned a 4.5-star CMS rating for Medicare plans. With a strong claim approval record, members are less likely to experience denied coverage when they need care.
Your location plays a big role in what you pay for health insurance in Florida. In Tampa, AvMed offers the lowest rates at $631 per month, while St. Petersburg has higher premiums averaging $719 with Molina. That’s about a 14% difference between neighboring cities.
Miami, Jacksonville and Orlando fall in between, with AvMed remaining a strong option across many regions. Use this table to compare rates and find the best plan available where you live.
| AvMed | $674 | $8,094 |
Health insurance costs in Florida change based on your age and coverage level. Plans for young adults start at about $507 per month, while those for children and teens are generally lower. Adults pay higher rates and seniors see the highest premiums. The table below breaks down average monthly costs by age group to guide your budgeting.
| Children | $379 | $4,549 |
| Teens | $452 | $5,429 |
| Young Adults | $507 | $6,089 |
| Adults | $633 | $7,600 |
| Seniors | $1,115 | $13,380 |
Under the Affordable Care Act, Florida insurers can base your premium on only four factors. Understanding how each one affects your rate helps you anticipate costs and make more confident decisions.
Even though you can’t change things like your age or location, this knowledge gives you a clearer picture of what you’re paying for and why.
Your age creates the biggest differences in premiums. Insurers can charge older adults higher premiums than younger people for identical coverage. A 60-year-old pays substantially more than a 30-year-old, even when purchasing the same Silver plan from the same company.
Your county determines your premium costs. Urban areas like Miami-Dade and Broward usually charge higher rates than rural counties, reflecting differences in health care costs and provider networks.
If you use tobacco, you’ll pay a surcharge on your monthly premiums. If you smoke or use tobacco products, insurers add a percentage to your base premium. Quitting tobacco can reduce your costs during the next enrollment period.
Adding family members to your plan increases your total premiums. Each person you cover contributes to your monthly cost, though children cost less than adults. Family plans cover you, your spouse and dependent children under one policy.
Choosing health insurance in Florida might seem complicated at first, but with a few simple steps, you can find coverage that works for you.
Start with Florida's company search at companysearch.myfloridacfo.gov to verify which insurers are licensed in your area. Florida Blue covers all 67 counties, while others like AvMed serve only specific regions.
List your current medications, preferred doctors, and ongoing conditions. You'll want a plan with lower copays and deductibles if you visit specialists monthly. Healthy individuals might save money with higher-deductible bronze plans. Compare health insurance plan types to understand the differences between HMO, PPO, POS and EPO.
Don't focus solely on monthly payments. If you need regular care, a $450 bronze plan with a $7,000 deductible might cost more annually than a $650 silver plan with a $3,000 deductible. Calculate premiums plus deductibles plus maximum out-of-pocket expenses.
Look up your medications on each insurer's formulary. Generic drugs might cost $10 in one plan but $50 in another. Specialty medications show even bigger price differences.
Individuals earning up to $62,600 or families of four earning up to $128,600 qualify for premium tax credits in Florida. Use Healthcare.gov's calculator to estimate your savings. Adults 65 and older should consider Medicare Supplement plans or Medicare Advantage options for comprehensive coverage.
Florida Health Care Plans is our top choice for health insurance in Florida, offering HMO Silver plans that average $557 per month for adults. If coverage isn’t available in your area, consider options like Health First, Oscar, Molina or Ambetter.
The right plan depends on your personal details and budget, so focus on your total yearly costs instead of only the monthly premium when comparing plans.
If you’re still unsure about a few details, these FAQs can help clear things up so you can make the best choice for your needs:
When finding the best health insurance plan, compare both premium costs and coverage breadth to ensure the plan meets your specific medical needs without gaps in essential services. The ideal plan balances affordability with comprehensive coverage that aligns with your health requirements and anticipated medical expenses.
The best health insurance in Florida for young adults is Florida Health Care Plans, which offers Silver plans starting at $441 monthly with a MoneyGeek score of 95. It excels in member satisfaction and coordinated care, though coverage is limited.
The best health insurance in Florida for kids is AvMed, which costs $429 monthly or $5,149 annually. It provides comprehensive pediatric coverage with strong hospital partnerships, making it ideal for families seeking quality children's health benefits.
You can buy Florida health insurance through Healthcare.gov during Open Enrollment or after qualifying life events. Start by checking which companies serve your county at companysearch.myfloridacfo.gov, then compare total costs including deductibles and out-of-pocket maximums, not just monthly premiums.
In Florida, Health First Commercial Plans provides the most affordable health insurance with Silver plans for a typical adult with low income costing $550 monthly and totaling $6,598 annually. It provides budget-friendly comprehensive coverage with excellent claims processing.
To rank health care insurance providers in Florida, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.
We weighted most categories as follows:
In some cases, we adjusted the weightings as follows:
Sample Consumer:
MoneyGeek collected data on all available plans in Florida for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
