Health First provides Florida's cheapest overall health insurance with an average monthly premium of $488 monthly. While this is the case overall in the state, they may not be available to you, and we also recommend Blue Cross Blue Shield, Capital Health, AvMed and Ambetter for some of the most affordable health plans in the state.
Most Affordable Health Insurance in Florida
Updated: May 15, 2025
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Key Takeaways
Health First Commercial Plans offers Florida's most affordable health insurance with an average monthly savings of $228 compared to the state average.
Florida Health Care Plans offers the best full coverage (platinum) plans with rates starting as low as $464 per month.
To find the cheapest health insurance for you, decide on coverage you can afford beforehand, determine subsidy eligibility, and compare plenty of quotes and companies.
Most Affordable Health Insurance Companies in Florida
| Health First Commercial Plans, Inc. | $488 | $228 |
| Blue Cross Blue Shield | $501 | $215 |
| Capital Health | $515 | $201 |
| AvMed | $529 | $187 |
| Ambetter | $554 | $162 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Florida Health Insurance Plans By Profile
While we've summarized the cheapest companies for most in Florida, the most affordable plan for you will differ widely depending on your desired coverage tier and age. So below we've broken down the cheapest companies by category for most in the state:
- Cheapest For Young Adults: Health First ($372 monthly)
- Cheapest For Seniors: Health First ($985 monthly)
- Cheapest Catastrophic Plan: Health First ($270 monthly)
- Cheapest Extended Bronze Plan: Health First ($377 monthly)
- Cheapest Bronze Plan: AmeriHealth ($400 monthly)
- Cheapest Silver Plan: Health First ($464 monthly)
- Cheapest Gold Plan: Health First ($467 monthly)
- Cheapest Full Coverage (Platinum Plan): Florida Health Care Plans ($775 monthly)
While these are a good measure of the most affordable plans, this only represents the cheapest for 40-year-olds (26 year olds for young adults and 60 for seniors) and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify for plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
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Plan Level:Silver
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Age:40
| Health First Commercial Plans, Inc. | Silver Value 1815 ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings) | $464 | $183 | $7,100 |
Cheapest Health Insurance Plans by County in Florida
While we picked Health First as the cheapest company overall, Blue Cross Blue Shield ranks as the most affordable and most available in more counties across the state for silver plans (the most commonly chosen plan). Below you can review which company and plan is most affordable in your area.
| Alachua | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Baker | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Bay | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Bradford | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Brevard | Health First Commercial Plans, Inc. | $460 | Silver Value 1815 |
| Broward | Blue Cross Blue Shield | $465 | myBlue Connected Care Silver 24M03-70 |
| Calhoun | Ambetter | $449 | Standard Ambetter Virtual Access Silver |
| Charlotte | Aetna | $465 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Citrus | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Clay | Molina | $458 | Silver 12 with First 4 Primary Care Visits Free |
| Collier | Blue Cross Blue Shield | $489 | myBlue Silver 24M02-78 |
| Columbia | Ambetter | $449 | Standard Ambetter Virtual Access Silver |
| Desoto | Aetna | $465 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Dixie | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Duval | Ambetter | $443 | Standard Silver VALUE |
| Escambia | UnitedHealthcare | $505 | UHC Silver Standard |
| Flagler | Health First Commercial Plans, Inc. | $486 | Silver Savings 1821 |
| Franklin | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Gadsden | Capital Health | $452 | Capital Health Plan HMO Silver 2300 |
| Gilchrist | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Glades | UnitedHealthcare | $505 | UHC Silver Standard |
| Hardee | Aetna | $465 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Hendry | UnitedHealthcare | $505 | UHC Silver Standard |
| Hernando | Aetna | $465 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Highlands | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Hillsborough | Aetna | $465 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Holmes | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Indian River | Aetna | $465 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Jackson | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Jefferson | Capital Health | $452 | Capital Health Plan HMO Silver 2300 |
| Lafayette | Ambetter | $449 | Standard Ambetter Virtual Access Silver |
| Lake | Health First Commercial Plans, Inc. | $486 | Silver Savings 1821 |
| Lee | Blue Cross Blue Shield | $489 | myBlue Silver 24M02-78 |
| Leon | Ambetter | $449 | Standard Ambetter Virtual Access Silver |
| Levy | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Liberty | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Madison | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Manatee | Ambetter | $449 | Standard Ambetter Virtual Access Silver |
| Marion | Ambetter | $449 | Standard Ambetter Virtual Access Silver |
| Martin | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Miami-Dade | Blue Cross Blue Shield | $465 | myBlue Connected Care Silver 24M03-70 |
| Nassau | Ambetter | $449 | Standard Ambetter Virtual Access Silver |
| Okaloosa | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Okeechobee | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Orange | Health First Commercial Plans, Inc. | $486 | Silver Savings 1821 |
| Osceola | Ambetter | $443 | Standard Silver VALUE |
| Palm Beach | Blue Cross Blue Shield | $465 | myBlue Connected Care Silver 24M03-70 |
| Pasco | Aetna | $465 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Pinellas | Aetna | $465 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Polk | Health First Commercial Plans, Inc. | $486 | Silver Savings 1821 |
| Putnam | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Santa Rosa | UnitedHealthcare | $505 | UHC Silver Standard |
| Sarasota | Ambetter | $449 | Standard Ambetter Virtual Access Silver |
| Seminole | Health First Commercial Plans, Inc. | $486 | Silver Savings 1821 |
| St. Johns | Florida Health Care Plans | $474 | Gym Access IND Silver HMO OA Standard 1440 |
| St. Lucie | Aetna | $465 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Sumter | Ambetter | $449 | Standard Ambetter Virtual Access Silver |
| Suwannee | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Taylor | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Union | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Volusia | Health First Commercial Plans, Inc. | $486 | Silver Savings 1821 |
| Wakulla | Capital Health | $452 | Capital Health Plan HMO Silver 2300 |
| Walton | Blue Cross Blue Shield | $475 | myBlue Silver 24M06-76 |
| Washington | Ambetter | $449 | Standard Ambetter Virtual Access Silver |
How to Find the Cheapest Health Insurance in Florida
Follow these steps to find affordable health insurance in Florida:
- 1
Determine what coverage plan you need and can afford
Depending on your personal health circumstances and income, your type of coverage plan and tier needed will differ widely. To decide how much health insurance you should get, calculate how much income you can put aside for monthly premiums, consider your current health, and determine your risk for injury/disease based on your location, age and your habits/behaviors.
- 2
Find out your subsidy elligibility
Individuals earning between $14,580 and $54,000 qualify for premium tax credits that reduce costs by anywhere from 40% to 100%. Individuals earning below 250% of the Federal Poverty Level ($36,450 for a single person) qualify for cost-sharing reductions that lower deductibles and out-of-pocket maximums by up to 73%.
- 3
Consider federal programs if old enough
If you are old enough you should also consider Medcare/Medicaid programs, medicare advantage plans, and Medicare supplement plans in the state. These plans are often cheaper than traditional options and allow more flexibility with coverage choices.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare plans during Open Enrollment
Open Enrollment lasts from November 1 to January 15 but you may also qualify for Special Enrollment if you've lost your job, have gotten divorced or have had a child. Make sure to consider types of coverage, customer ratings, costs, and availability with medical providers.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
Apply for coverage at least five days before the deadline to avoid technical issues. Have your income documentation, Social Security numbers, and immigration documents ready when applying to ensure a smooth enrollment process.
Most Affordable Health Insurance Florida: Bottom Line
We found that the top five most affordable health insurance companies in Florida are Health First, Blue Cross Blue Shield, Capital Health, AvMed and Ambetter. While these are our recommended affordable options, we still recommend comparing as many plan type and tier quotes as possible from multiple companies to get the best deal possible for you.
Cheap Florida Health Insurance: FAQ
Below are frequently asked questions about cheap health insurance in Florida:
What is the cheapest health insurance in Florida?
Health First offers the cheapest health insurance in Florida, with Silver plans starting at $464 for 40-year olds. However, depending on your unique needs and income, Blue Cross Blue Shield, Capital Health, AvMed and Ambetter.
What are the downsides of a cheap health insurance plan?
Although you'll pay a lower monthly premium for a cheap health insurance plan, you may pay higher out-of-pocket costs when accessing health care services. More expensive plans cover more comprehensive services and considerably lower your out-of-pocket maximums.
Do I qualify for subsidies on health insurance in Florida?
Individuals earning between $14,580 and $54,000 annually qualify for premium tax credits that can reduce costs by 40-100%, potentially lowering premiums to $0 for those earning under 150% of the federal poverty level. Families of four with incomes between $30,000 and $111,000 also qualify for subsidies that reduce monthly premiums.
When can I enroll in health insurance in Florida?
Open Enrollment runs from November 1 to January 15 annually, with Special Enrollment Periods available year-round for qualifying life events like job loss, marriage, or birth. Medicaid and Florida KidCare applications are accepted throughout the year for eligible low-income residents.
How We Decided The Cheapest Health Insurance Companies in Florida
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Florida based on consumers aged 18, 26, 40, 50 and 60. We considered the cheapest overall to be those that have the lowest monthly premium costs for 40-year-olds due to most in the state being near this age demographically and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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.