With a score of 90 out of 100, Florida Health Care Plans offers the best health insurance in Florida with the greatest balance of affordability, customer service and coverage. However, if the company is not available in your area, Health First, Oscar, Capital Health and Ambetter also offer some of the top coverage options in the state.
Best Health Insurance in Florida
Updated: June 24, 2025
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Key Takeaways
Overall, Florida Health Care Plans offers the best and most balanced coverage in Florida for health insurance.
Health First offers the best cheap health insurance in Florida, where available, with average rates of around $488 per month for Silver-tier plans.
To find the best health insurance in Florida, educate yourself on companies available to you, decide coverage needs beforehand and compare plan quotes from several companies.
Best Health Insurance Companies in Florida
| Florida Health Care Plans | 90 | Gym Access IND Silver POS BC 0941 |
| Health First Commercial Plans, Inc. | 82 | Silver Value 1815 + Adult Dental + Adult Vision |
| Oscar | 80 | Silver Simple Diabetes |
| Capital Health | 80 | Capital Health Plan HMO Silver 2300 |
| Ambetter | 75 | Standard Silver |
*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.
Best Health Insurance in Florida by Category
While we've given our top picks overall, the best company for you may differ depending on your profile and preferred plan type. So below, we've broken down the top picks for common categories to make more personalized recommendations.
| Children/Families | Florida Health Care Plans |
| Young Adults | Florida Health Care Plans |
| Seniors | Florida Health Care Plans |
| PPO | Blue Cross Blue Shield |
| HMO | Health First Commercial Plans, Inc. |
| POS | Florida Health Care Plans |
| EPO | Oscar |
Best Florida Health Insurance Reviews
To help you learn about our recommendations, we've broken down our top picks overall, for affordability and customer service reputation.
Florida Health Care Plans: Best Overall
pros
Allows coverage flexibility between in-network and out-of-network providers
Cheapest full coverage health insurance
Best overall for most Floridians
cons
Primarily serves Brevard, Seminole, Flagler, Volusia and St. Johns for in-network coverage
COMPANY HIGHLIGHTS
Overall, Florida Health Care Plans was our pick for the best overall health insurance in Florida due to their large amounts of coverage options and flexibility for both in and out of network coverage, lower than average rates, and great customer ratings. If you are looking for more comprehensive plans especially, the company offers the lowest rates overall with average premiums of $775 monthly.
Health First: Best Cheap Overall
pros
Cheapest rates in Florida for most plan tiers
One of the best options for Medicare Advantage plans nationwide
cons
Serves only 14 counties for individual plans and nine counties for Medicare Advantage
No higher coverage levels compared to competitors
Requires you to choose a primary care physician
COMPANY HIGHLIGHTS
If you're within its service area, Health First offers the cheapest plans overall in Florida, with a massive average savings of $228 per month compared to the state average for Silver plans. The company also has an extremely high customer service reputation for Medicare Advantage plans, scoring 4.5 out of 5.0 from over 88% of those insured with it.
Blue Cross Blue Shield: Best Customer Reputation
pros
Second-most-affordable rates in the state
Highest customer reputation score in Florida
cons
Largest number of in-network counties
No out-of-network coverage, unless there's a medical emergency
COMPANY HIGHLIGHTS
While not the most affordable in the state, Blue Cross Blue Shield, or Florida Blue in the state, offers the second-lowest rates overall, with an average premium of $501 per month or $215 monthly in savings. The company also ranked highest overall for customer satisfaction in our study, earning the second-highest customer satisfaction score overall in J.D. Power's recent study.
How to Find the Best Health Insurance for You in Florida
The following recommendations will ensure that buying health insurance that is ideal for you is easy.
Decide on your coverage needs before buying
When looking for the best health insurance, weigh the monthly cost against the maximum out-of-pocket limits for plans. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP can save you money. But you may not need as much coverage if you're not high risk. Also, compare health insurance plan types to ensure how flexible a provider will be in covering you.
Compare company offerings and reputations
Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying and coverage claims process.
Shop around
Comparing multiple plans from many providers ensures you get the best possible deal. We found that rates can start as low as $488 per month in Florida, depending on your personal profile and plan type chosen. Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, divorced or had a child.
Take advantage of federal programs and subsidies
Those with low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you're eligible for Medicare. MoneyGeek also provides information for finding the top Florida Medicare Supplement and best Medicare Advantage plans in Florida if you want to learn more.
Best Health Insurance in Florida: Bottom Line
Overall, our top three picks for Florida health insurance are Florida Health Care Plans, Health First and Oscar. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.
Best Florida Health Insurance: FAQ
Below we've answered frequently asked questions about the best health insurance in Florida:
What is the best health insurance provider in Florida for 2025?
Florida Blue provides the best health insurance in Florida for 2025. However, the best choice for you will depend on your unique circumstances and needs and if coverage is available in your county.
What should you look for when shopping for the best health insurance plan in Florida?
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.
How We Chose the Best Health Insurance in Florida
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:
- Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
- Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
- Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
- Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.
In some cases, we adjusted the weightings as follows:
- For the categories "Best Cheap Health Insurance in Florida" and "Best Health Insurance in Florida for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
- For the category "Best Health Insurance by Plan Type in Florida," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Yahoo Finance. "Healthfirst Medicare Advantage Plan Receives 4.5 Medicare Star Rating." Accessed June 17, 2025.