Best Health Insurance in Florida








Best Overall for Health Insurance in Florida
Aetna is the best overall health insurance provider in Florida, earning a MoneyGeek score of 63 out of 100. This company earned top scores for its denial rate of 0% and affordable monthly premium.
Our rankings were based on data from 39 Silver EMO, 76 Silver HMO and four Silver POS plans in Florida.
MoneyGeek Pick: Aetna

pros
Reportedly denies 0% of claims
Offers affordable rates
cons
High average MOOPs in comparison to other insurers with similar plans
Limited plan options
COMPANY HIGHLIGHTS
We recommend Aetna as the top health insurance company in Florida. Aetna offers four Silver HMO plan options. HMOs typically cost less but only cover in-network providers.
The insurer has one of the most affordable monthly premium costs of $499. However, its average MOOP of $8,825 is among the most expensive. Aetna is likely to approve your insurance claims, with its reported 0% denial rating.
Plan Recommendations
Among the Silver plans Aetna offers in Florida, MoneyGeek recommends the following:
- Silver 2: $514 per month; MOOP $8,700
- Silver S: $476 per month; MOOP $8,900
- Silver 3: $496 per month; MOOP $8,850
Best Health Insurance in Florida for Low Out-of-Pocket Costs
Florida Health Care Plans is the best health insurance provider in Florida for low out-of-pocket costs, scoring 72 out of 100 with MoneyGeek. The company also scored well for MOOP and claims denial, offering lower MOOP costs and fewer denied claims, on average, than other companies.
For this category, we analyzed Gold and Platinum plans. Of the Gold plans analyzed, 47 were HMO and three were POS plans. Platinum plans included 17 HMO and four POS plans. POS plans offer better out-of-network coverage than HMO plans but tend to cost more.
MoneyGeek Pick: Florida Health Care Plans

pros
Lowest MOOP costs
Denies fewer claims than other insurers
cons
Fewer plan types
Rates are relatively more expensive than other providers
COMPANY HIGHLIGHTS
Florida Health Care Plans offers several Gold and Platinum plans in Florida. The average MOOP cost of these plans is $4,826, the lowest among comparable plans in Florida. Insurance claims submitted to Florida Health Care Plans are often approved.
However, the company’s monthly rates are higher compared to other providers at an average of $668. Plan options are also limited.
Plan Recommendations
We recommend the following low-MOOP health plans from Florida Health Care Plans:
- Gym Access IND Gold HMO H.S.A 9010: $510 per month; MOOP $4,000
- Gym Access IND Platinum POS BC 1941: $826 per month; MOOP $2,000
- Gym Access IND Platinum POS BC 5841: $800 per month; MOOP $2,500
Best Cheap Health Insurance in Florida
Aetna provides the best affordable health insurance in Florida, receiving a MoneyGeek score of 77 out of 100
In this category, we gave affordability a higher weighting. Keep in mind that cheaper premiums typically have higher deductibles and copays. If you don't expect to require a lot of medical care, this may be a good option for you.
We analyzed data from 39 Silver EPO plans, 76 Silver HMO plans and four Silver POS plans to determine the overall winner.
MoneyGeek also analyzed the cheapest health insurance in Florida for those who just want the cheapest rates.
MoneyGeek Pick: Aetna

pros
Offers the most affordable premiums
Zero percent of claims denied
cons
Higher MOOP costs
Fewer plan options
COMPANY HIGHLIGHTS
Among the providers evaluated, Aetna offers the most affordable premium in Florida, at an average of $499 per month. Its health plans have a high average out-of-pocket maximum of $8,825, but the insurer rarely denies policyholders’ claims.
Aetna offers four Silver HMO plans in Florida. If you're looking for affordable monthly payments and don't mind receiving treatment from providers in your plan's network, one of these plans may suit your needs.
Plan Recommendations
In Florida, we recommend the following affordable Silver plans from Aetna:
- Silver S: $476 per month; MOOP $8,900
- Silver 3: $496 per month; MOOP $8,850
- Silver 2: $514 per month; MOOP $8,700
Best Health Insurance for Low Income in Florida
Aetna provides the top-rated health insurance for low-income Floridians, receiving a MoneyGeek of 75 out of 100.
Only health insurance providers that provide plans with cost-sharing reductions (CSRs) and those with low monthly premiums were included in our low-income category analysis. In Florida, this numbered 39 Silver EPO plans, 76 Silver HMO plans and four Silver POS plans.
In order to help those with incomes below 250% of the federal poverty line (FPL) avoid the trade-off between cheaper premiums and greater out-of-pocket costs, CSRs offer discounts that reduce your MOOP and deductible. The cost-sharing for CSR plans is greater than the cost-sharing for a normal Silver plan (around 70%). In the case of Floridians, for instance:
- Those with annual incomes between $27,180 and $33,975 (201%–250% of the FPL) are eligible for a plan that covers around 73% of health care costs.
- Those with annual incomes between $20,385 and $27,180 (151%–200% of the FPL) are eligible for a plan that covers around 87% of health care costs.
- Those with annual incomes less than $20,385 per year (or up to 150% of the FPL) may be eligible for a health insurance plan that covers 94% of their health care costs.
Keep in mind that the values in these brackets may change based on the size of your family.
MoneyGeek Pick: Aetna

pros
One of the most affordable premiums
Zero percent of claims denied
cons
Limited plan types
Higher MOOPs on average
COMPANY HIGHLIGHTS
Those in Florida with a limited income should consider Aetna. With an average monthly premium of $499 and a maximum out-of-pocket cost of $7,175, it offers low-cost health insurance to those with incomes between 201% and 250% of the federal poverty level. In addition, the company has an excellent track record for claims management.
In Florida, Aetna offers four Silver HMO plans, all of which feature reduced cost sharing.
Plan Recommendations
Silver S is Aetna's best health plan for low-income individuals. Those in the following income brackets can receive this plan for the same monthly premium and different maximum out-of-pocket cost.
- 201%–250% of the FPL: $476 per month; MOOP $7,200
- 151%–200% of the FPL: $476 per month; MOOP $3,000
- Up to 150% of the FPL: $476 per month; MOOP $1,700
Best Health Insurance for Young Adults in Florida
Health First - AdventHealth has the best health insurance for young adults in Florida. The insurer received a MoneyGeek score of 71 out of 100 for its comparably low MOOP costs, fair claims management and affordability.
To find the best companies for young adults, we scored providers selling Bronze or Catastrophic plans, which tend to have the cheapest premiums but the highest out-of-pocket costs. Catastrophic plans are only available to those under 30 years old.
For this category, we evaluated these plan tiers and types in Florida:
- Bronze: Seven EPO and 11 HMO plans
- Expanded Bronze: 36 EPO, three POS and 65 HMO plans
- Catastrophic: One EPO, one POS and three HMO plans
MoneyGeek Pick: Health First - AdventHealth

pros
Fewer denials on average
One of the lowest MOOP costs
Affordable plan rates
cons
Limited variety of plans
COMPANY HIGHLIGHTS
In Florida, Health First - AdventHealth offers twelve different health insurance plans for young adults at an average cost of $313 a month and a MOOP of $8,505. These plans include two Bronze HMO plans, nine Expanded Bronze HMO plans and one Catastrophic HMO plan. In comparison to other insurers, this provider denies fewer claims.
The level of protection you have is determined by the metal tier you choose. Young, healthy people often choose less comprehensive policies such as Catastrophic, Bronze or Expanded Bronze because they don’t require as many medical services.
Plan Recommendations
We recommend the following plans from Health First - AdventHealth for young adults in Florida:
- Bronze HSA 1794: $296 per month for 18-year-olds and $332 per month for 26-year-olds; MOOP $6,900
- Bronze Gym Access HSA 1658: $300 per month for 18-year-olds and $336 per month for 26-year-olds; MOOP $6,900
- Catastrophic Gym Access 1746: $162 per month for 18-year-olds and $181 per month for 26-year-olds; MOOP $9,100
Best Health Insurance by Plan Type in Florida
Insurance companies can offer different plan types based on your health care needs. Here are the top providers for all plan types available in Florida:
- HMO: Aetna (MoneyGeek score: 66 out of 100)
- EPO: Oscar (MoneyGeek score: 67 out of 100)
- POS: Florida Health Care Plans (MoneyGeek score: 100 out of 100)
Take into account that our suggestions only apply to Silver plans. This metal tier balances MOOP costs and premiums, making it a good choice for someone looking for sufficient health care coverage at a reasonable price.
In Florida, there are 39 EPO, 76 HMO and four POS Silver plans.
MoneyGeek Pick for HMO: Aetna

COMPANY HIGHLIGHTS
Four Silver HMO plans are available from Aetna in Florida, with monthly premiums costing around $499 and maximum out-of-pocket costs of $8,825. Its denial rate is zero percent, meaning that your claims are very likely to get approved.
Among health insurance plans, HMOs (Health Maintenance Organizations) are by far the most popular. While the monthly premiums may be cheaper than those of other plans, the services covered by the plan are limited to those inside the network's chosen providers. For specialist care, you'll need to get a referral.
Plan Recommendations
For Silver-tier HMO plans, we recommend the following options:
- Aetna Silver 2: $514 per month; MOOP $8,700
- Aetna Silver S: $476 per month; MOOP $8,900
MoneyGeek Pick for EPO: Oscar

COMPANY HIGHLIGHTS
Oscar sells 11 EPO Silver plans in Florida at an average rate of $511 per month with a MOOP average of $8,805. This insurer offers more plan types compared to other providers.
An EPO provides access to a local network of medical providers. Costs associated with an EPO are often lower than those of a PPO plan. An EPO plan might be a good option if you're seeking cheaper monthly premiums and are prepared to pay a larger deductible should you ever require medical attention.
Plan Recommendations
Here are some of Oscar's EPO Silver plans to consider:
- Silver Elite: $517 per month; MOOP $8,400
- Silver Simple - For Diabetes: $509 per month; MOOP $8,550
MoneyGeek Pick for POS: Florida Health Care Plans

COMPANY HIGHLIGHTS
Florida Health Care Plans offers four PPO Silver plans in Florida at an average rate of $520 per month with a MOOP average of $8,488. This insurer offers some of the lowest MOOPs and more varied plan types.
When it comes to medical care, a Preferred Provider Organization (PPO) is a good option since it provides access to a wider range of specialists and facilities. PPO health plans provide higher monthly premiums but give you greater freedom in selecting a primary care physician and other providers.
Plan Recommendations
Some of Florida Health Care Plans’ top Silver plans include:
- Gym Access IND Silver POS BC 0941: $525 per month; MOOP $7,500
- Gym Access IND Silver POS BC 7741: $520 per month; MOOP $8,650
How to Find the Best Health Insurance for You in Florida
To get the best Florida health insurance plan for you, consider your budget and level of coverage required. The following advice may prove helpful when buying health insurance.
Understand when a health insurance plan will cover you
HMO services are covered only if you use the HMO's network. EPO plans are similar to HMOs, but you typically don’t require a referral to see a specialist. In contrast, a POS plan provides coverage outside of your network, but you may have to pay more. In Florida, you can select from one of 36 Silver EPO, 76 Silver HMO or four Silver POS plans.
Weigh the cost of premiums vs. the cost of care
Lower-priced plans typically feature higher deductibles and copayments. Aetna's Silver 2 plan, for example, features an average monthly premium of $514 and a MOOP cost of $8,700, while its Silver S plan has an average monthly cost of $476 and a MOOP cost of $8,900.
Consider Florida Medicare or Medicaid if You’re Eligible
Anyone who is 65 or older in Florida or who has a qualifying disability or illness may be eligible for Medicare. Beneficiaries of Medicare still have to pay insurance premiums, but at a far lower rate than that of a private insurance plan.
It’s important to understand the fine print in your Medicare policy to ensure it meets your coverage needs. Medicare includes three parts:
- Part A (Hospital Insurance): Care obtained in a hospital, nursing home, hospice or even certain home health care
- Part B (Medical Insurance): Covers outpatient treatment, preventative services and doctor visits
- Part D (Prescription drug coverage): Provides coverage for prescription drugs
Since Florida is not part of the Medicaid expansion program, residents are not automatically qualified for coverage based on their household's income. Pregnant women, children from low-income families, those with disabilities and those from very low-income families may qualify for Medicaid depending on state requirements.
Frequently Asked Questions About Health Insurance in Florida
When comparing your health insurance options, it’s normal to have questions. MoneyGeek answered some of the most commonly asked questions about health insurance.
About Brenna Kelly, Licensed Health Insurance Agent
