Apart from Silver plans, other metal tiers with different deductibles, premiums and maximum out-of-pocket limits are also available in Florida. Ambetter offers the cheapest plans for the Gold tier, Oscar the cheapest for the Bronze tier and for EPO plans and Florida Health Care Plans the lowest cost for Platinum tier and POS plans.
MoneyGeek also found the best health insurance in Florida by analyzing providers and plans balance cost and service.
Most Affordable Health Insurance in Florida






Cheapest Health Insurance in Florida by Metal Tier
The most affordable Silver plan for the average Floridian is the Silver Value 1815 Plan from Health First - AdventHealth at $457 per month.
Health insurance costs vary by metal tier. If a plan is more expensive, it usually offers more comprehensive coverage. Health First - AdventHealth, Oscar, Ambetter and Florida Health Care Plans all offered some of the cheapest plans in Florida depending on the metal tier. Here are the cheapest health insurance plans by metal tier with their average monthly premiums:
- Catastrophic: Catastrophic Gym Access 1746 ($226 per month)
- Bronze: Bronze Simple Standard ($360 per month)
- Expanded Bronze: Bronze Value 1814 ($356 per month)
- Silver: Silver Value 1815 Plan ($457 per month)
- Gold: CMS Standard Gold Value ($446 per month)
- Platinum: Gym Access IND Platinum HMO BC 5841 from Florida Health Care Plans ($741 per month)
Whereas plans with cheaper premiums cover only basic health care costs, more valuable metal tiers (like Gold or Platinum) are pricier month to month but have more benefits and lower out-of-pocket maximums.
Metal tiers are groupings of plans on the health insurance exchange. The more valuable the metal (e.g., Gold is more valuable than Silver), the more the plan tends to cost in premiums, but the less it tends to cost in out-of-pocket expenses.
Younger and healthier buyers may want to opt for less valuable metals, while those who can afford it or expect to have medical expenses may want to opt for higher. Silver plans provide a balance and the opportunity to lower your deductibles if you have low income.
Resource: Learn more about metal tiers
Cheapest Silver Plans in Florida
Health First - AdventHealth offers the cheapest Silver plan in Florida. The average monthly cost of a Silver Value 1815 plan is $457. The top three most affordable Silver plans in Florida are:
- Silver Value 1815 from Health First - AdventHealth: $457 per month
- myBlue Connected Care Silver 2348 from Blue Cross Blue Shield: $469 per month
- Constant Care Silver 9 from Molina: $471 per month
Silver plans are popular health insurance plans because they offer decent coverage with lower deductibles than Bronze plans. Cost-sharing reductions (if you qualify) can also lessen your deductible, copay and out-of-pocket maximum and are only available with Silver plans.
The most accessible plan type in Florida is an HMO. This is why MoneyGeek focuses its recommendations on Silver plans in this section.
Cheapest Gold Plans in Florida
The most affordable Gold plan in Florida, at about $446 per month, is the CMS Standard Gold Value from Ambetter. The three cheapest Gold plans are:
- CMS Standard Gold Value from Ambetter: $446 per month
- CMS Standard Gold Select from Ambetter: $455 per month
- Complete Value Gold from Ambetter: $478 per month
Gold plans tend to have better deductibles than cheaper plans — meaning you pay less for health care services before your plan starts to cover costs. However, Gold plans don’t offer the cost-sharing reductions of Silver plans.
Cheapest Bronze Plans in Florida
For the cheapest Bronze plan in Florida, a Bronze Simple Standard plan from Oscar costs approximately $360 per month. Other most affordable plans include:
- Bronze Simple Standard from Oscar: $360 per month
- AmeriHealth Caritas Next Bronze from AmeriHealth: $367 per month
- Gym Access IND Bronze HMO OA Standard 2440 from Florida Health Care Plans: $375 per month
Bronze plans offer the lowest monthly premiums but have the highest deductibles, meaning you’ll pay out of pocket for most or all of your routine care.
Cheapest Expanded Bronze Plans in Florida
A Bronze Value 1814 plan from Health First - AdventHealth is the most affordable Expanded Bronze plan in Florida, costing about $356 per month. The top three cheapest plans in this tier are:
- Bronze Value 1814 from Health First - AdventHealth: $356 per month
- CMS Standard Expanded Bronze Value from Ambetter: $376 per month
- Bronze Classic from Oscar: $377 per month
Halfway between Bronze and Silver, Expanded Bronze plans typically cover office visits and one major service before you meet your deductible. However, there is a copay.
Cheapest Catastrophic Plans in Florida
Health First - AdventHealth's Catastrophic Gym Access 1746 is the cheapest Catastrophic plan in Florida, costing about $181 monthly for a 26-year-old.
The top three affordable Catastrophic plans are:
- Catastrophic Gym Access 1746 from Health First - AdventHealth ($181 per month)
- Gym Access IND Essential Plus Catastrophic HMO 36 from Florida Health Care Plans ($227 per month)
- Secure from Oscar ($233 per month)
Although Catastrophic plans have the lowest monthly premiums, they also feature high deductibles and are only available for individuals under the age of 30 or who qualify because of financial difficulties.
Cheapest Platinum Plans in Florida
In the Platinum tier, the cheapest in Florida is the Gym Access IND Platinum HMO BC 5841 plan from Florida Health Care Plans at $741 per month.
- Gym Access IND Platinum HMO BC 5841 from Florida Health Care Plans: $741 per month
- Gym Access IND Platinum HMO 4000 from Florida Health Care Plans: $745 per month
- Gym Access IND Platinum HMO OA Standard 4450 from Florida Health Care Plans: $747 per month
Premiums for Platinum plans are the highest of the metal tiers, but you’ll pay the least out of pocket for services.
Cheapest Health Insurance in Florida for Those With Low Income
Cost-sharing reductions are available to eligible Florida residents whose income is below 250% of the Federal Poverty Level (FPL). They lessen the financial burden of health care costs for individuals after treatment.
Depending on your income, MoneyGeek discovered that the cheapest plan for low-income individuals in Florida is Silver Value 1815 from Health First - AdventHealth, with the following maximum out-of-pocket cost adjustments:
- Income lower than $20,385 per year: Silver Value 1815 ($800 MOOP)
- Income from $28,386 to $27,180 per year: Silver Value 1815 ($2,900 MOOP)
- Income from $27,181 to $47,565 per year: Silver Value 1815 ($6,800 MOOP)
Cost-sharing reductions apply only to Silver plans in Florida. Income numbers are for an individual only and differ if your household size is greater than one.
Cost-sharing plans do not impact your premium amounts in any way. Rather, they allow the health insurance company to pay a higher share of your medical expenses, so your deductible, copay and out-of-pocket maximum are less than they would be otherwise.
Using the Silver Value 1815 plan as an example, policyholders might pay the $457 average monthly premium for both standard and low-income plans. However, a significant difference lies in the out-of-pocket maximum (MOOP) — a standard plan has an $8,700 average MOOP cost, whereas the average MOOP for someone whose income is below 150% of the FPL is only $800.
The Cheapest Health Insurance in Florida by Plan Type
A Health Maintenance Organization (HMO) plan is the most common plan type in Florida. However, you may also find alternative types, including Point of Service (POS) and Exclusive Provider Organization (EPO) plans.
According to MoneyGeek’s findings, the most affordable health insurance in Florida for POS and EPO plan types are:
- EPO: Silver Simple PCP Saver from Oscar ($502 per month)
- POS: Gym Access IND Essential Plus Silver POS 54 from Florida Health Care Plans ($517 per month)
If you don’t mind paying a bit more per month, EPO and POS plans offer a bit more flexibility when it comes to seeking services from out-of-network providers and seeing specialists without a referral.
While shopping for health insurance in Florida, you will see HMO (the most common), EPO and POS plan types.
- HMO plans are usually the cheapest but the least flexible. Policyholders must receive treatment from facilities and providers within their network (except in emergencies). You’ll also need a primary care provider to grant referrals for seeing specialists.
- EPO plans are similar to HMOs as coverage for health care services must be sought from in-network providers. However, EPOs often have wider provider networks and may not require referrals for seeing a specialist.
- POS plans are the most flexible — obtaining health care services from providers outside your network simply comes at a higher cost than in-network providers.
Cheapest Health Insurance in Florida by County
Some plan types are not widespread across Florida and may be unavailable within your location. The cheapest plan in one county may not be the cheapest in another.
For example, compare the average monthly premiums for the cheapest Silver plan in Florida’s largest county, Miami-Dade, and its smallest county, Liberty:
- Miami-Dade County: MyBlue Connected Care Silver 2332 ($462 per month)
- Liberty County: Capital Health Plan HMO Silver 2300 ($513 per month)
You can use the table below to browse Silver plan options in your county.
Health Insurance Costs in Florida by Age and Metal Tier
Health insurance premiums also vary based on age and metal tier. See, for example, how metal level impacts the average monthly premium for a 40-year-old in Florida:
- Bronze: $888
- Catastrophic: $1,000
- Expanded Bronze: $1,418
- Silver: $1,713
- Gold: $1,909
- Platinum: $2,738
Costs also increase as the policyholder ages. For example, a Silver plan in Florida costs $1,224 per month on average for young adults, $1,713 for middle-aged adults and $3,638 for seniors.

What to Know About Florida Health Insurance
MoneyGeek obtained data from private health insurance plans to find the cheapest health insurance in Florida. Interested buyers can browse these plans within the open enrollment period and select the plan that best suits their coverage levels and needs.
Florida residents may also check if they are eligible for cheaper government-supported health insurance programs, such as Medicaid and Medicare. Medicaid is available to low-income individuals, while Medicare is for seniors or those with a disability.
Private Health Insurance in the Florida Marketplace
The open enrollment period for private insurance plans is usually from November 1 to January 15. This period refers to the time frame given to buyers to obtain health insurance from the marketplace.
Note that December 15, 2023, will be the last day to enroll for coverage that begins on January 1, 2024. Early enrollment also gives you more time to adjust your plan before the period expires.
Eligible Florida residents may also purchase private health insurance during a special enrollment period, which falls outside the open enrollment period.
Qualification for special enrollment is based on events like marriage, relocation, loss of income, childbirth and other similar occurrences. You typically have up to 60 days before or after the event to apply for or modify your health insurance.
What Are Health Insurance Metal Tiers?
Health insurance plans in Florida are divided into several metal tiers: Bronze, Expanded Bronze, Silver, Gold and Platinum. The less valuable the metal, the lower the monthly premium and the higher the deductible.
- Bronze: Lower premiums with higher deductibles. These plans are best for relatively healthy individuals who anticipate less frequent doctor and specialist visits. Not recommended for those with chronic health conditions.
- Expanded Bronze: Slightly more cost-sharing than Bronze plans but still less than Silver plans.
- Silver: The most popular option with moderate premiums and MOOP costs. A major advantage of Silver plans is the potential to cut down on your copay, co-insurance and deductible with cost-sharing reductions.
- Gold: Higher premiums than Silver and Bronze plans, but you will pay less out of pocket if you receive frequent care.
- Platinum: The highest metal tier. Although you’ll pay a hefty premium each month, nearly all other health care services will be covered. Best for individuals looking for stellar coverage.
Catastrophic plans (i.e., worst-case-scenario coverage) are also available to qualifying individuals, usually under 30 years old or with a hardship exemption. These plans tend to have the most affordable premiums but the highest MOOP costs.
Medicaid in Florida
Medicaid is a government program that provides free or low-cost medical coverage to qualifying individuals based on income.
In Florida, income is just one determinant of eligibility for Medicaid. Pregnant women, people with disabilities and children of low-income parents or guardians may also qualify.
Medicare in Florida
Medicare is another government-sponsored health care program that is significantly cheaper than marketplace plans. It is available to Florida residents with a qualifying illness, disability or who are 65 and older.
Medicare has three parts — Part A, B and D — that each cover a specific set of services:
- Part A is similar to hospital insurance and covers inpatient services, hospice care, home care and services received in any facility with skilled nurses.
- Part B functions like medical insurance, covering doctor and preventative service fees and outpatient treatment.
- Part D covers prescription drugs, vaccines and other shots.
MoneyGeek also compiled lists of the best Medicare Advantage and best Medicare Supplement plans in Florida.
Expert Advice: Finding Affordable Health Insurance in Florida
- When can I shop for health insurance on the Florida health insurance exchange?
- How do I take advantage of cost-sharing reductions and tax credits for health insurance in Florida?

Professor at Florida State University
Florida Health Insurance FAQs
When shopping for affordable health insurance in Florida, you may have questions about the cost and availability of different plan options. MoneyGeek has the answers to those commonly asked questions below.
About Mark Fitzpatrick

sources
- HealthCare.gov. "Health Plan Categories: Bronze, Silver, Gold & Platinum." Accessed November 22, 2022.
- HealthCare.gov. "Special Enrollment Period." Accessed November 23, 2022.
- HealthCare.gov. "Federal poverty level (FPL)." Accessed November 22, 2022.