Cheapest Health Insurance in Florida (2024 Plans)


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Updated: May 22, 2024

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Choosing a different metal tier affects health insurance premiums and costs. In Florida, AmeriHealth offers the most affordable Bronze plan, Oscar is the cheapest for Expanded Bronze and Florida Health Care Plans provides the most reasonable Platinum plan. Health First Commercial Plans, Inc. is the least expensive for Gold, Silver and Catastrophic.

If you are looking to balance monthly premiums with quality claims and coverage, MoneyGeek also analyzed the best health insurance in Florida.

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2024

Most Affordable Health Insurance in Florida

Why Trust MoneyGeek? We downloaded plan data for Florida directly from the Centers for Medicare and Medicaid Services (CMS).

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Plan data was updated with the CMS exchange data released in October, the latest available data for the 2024 enrollment period.

282Plans Analyzed
 
24Providers Compared

Cheapest Health Insurance in Florida by Metal Tier

The most affordable Silver plan in Florida is the Silver Value 1815 offered by Health First Commercial Plans, Inc., a popular choice due to its balance of cost and coverage, with a monthly premium of $460. Silver plans are the most common due to their moderate premiums and out-of-pocket costs. For those seeking lower monthly rates at the expense of higher out-of-pocket costs, Bronze plans may be a suitable option.

Health plan costs are influenced by their associated metal tier; higher monthly premiums generally correspond with lower out-of-pocket costs and deductibles.

Here are the most affordable health insurance plans from each metal tier:

  • Catastrophic: Catastrophic Gym Access 1746 from Health First Commercial Plans, Inc. ($199) — Only available to individuals under 30 or with a qualifying hardship or affordability exemption.
  • Expanded Bronze: Bronze Classic from Oscar ($376)
  • Bronze: AmeriHealth Caritas Next Bronze Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals from AmeriHealth ($410)
  • Silver: Silver Value 1815 from Health First Commercial Plans, Inc. ($460)
  • Gold: Gold Value 1819 from Health First Commercial Plans, Inc. ($464)
  • Platinum: Gym Access IND Platinum POS BC 5841 from Florida Health Care Plans ($742)

For more details on finding cheap health insurance plans tailored to your needs and budget, additional resources are available.

Data filtered by:Results filtered by:
Age:
Age:40
CatastrophicPlanCatastrophic Gym Access 1746 CompanyHealth First Commercial Plans, Inc.Monthly Cost$248Maximum Out-of-Pocket$9,450
Expanded BronzePlanBronze ClassicCompanyOscarMonthly Cost$376Maximum Out-of-Pocket$9,100
BronzePlanAmeriHealth Caritas Next Bronze Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-ReferralsCompanyAmeriHealthMonthly Cost$410Maximum Out-of-Pocket$9,450
SilverPlanSilver Value 1815 CompanyHealth First Commercial Plans, Inc.Monthly Cost$460Maximum Out-of-Pocket$8,700
GoldPlanGold Value 1819 CompanyHealth First Commercial Plans, Inc.Monthly Cost$464Maximum Out-of-Pocket$7,800
PlatinumPlanGym Access IND Platinum POS BC 5841CompanyFlorida Health Care PlansMonthly Cost$742Maximum Out-of-Pocket$2,500
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WHAT ARE METAL TIERS?

In the Florida health insurance marketplace, consumers can choose from various metal tiers, including Bronze, Silver, Gold and Catastrophic plans, each representing a different level of cost-sharing between the insurer and the insured.

Bronze plans offer lower monthly premiums but higher out-of-pocket expenses, while Gold plans have higher rates but substantially lower out-of-pocket costs, making them suitable for those with frequent health care needs. Individuals earning below 250% of the Federal Poverty Line qualify for cost-sharing reductions (CSRs) with Silver plans, reducing deductibles, copayments and co-insurance costs. This assistance enhances the plan's value without the higher premiums associated with Gold plans, making it an appealing choice for eligible individuals.

Cheapest Silver Plans in Florida

The most cost-effective Silver tier plan in Florida is the Silver Value 1815 offered by Health First Commercial Plans, Inc., which comes with a monthly premium of $460.

Florida's top three most affordable Silver health plans are:

  • Silver Value 1815 from Health First Commercial Plans, Inc. ($460)
  • Silver 9 from Molina ($491)
  • myBlue Connected Care Silver 24M03-70 from Blue Cross Blue Shield ($495)

Silver plans are ideal for consumers who want a balance between monthly premiums and out-of-pocket costs when seeking health care services. Customers with lower income may qualify for cost-sharing reductions, which could significantly lower the amount they pay for deductibles, copayments and co-insurance. These reductions make Silver plans a brilliant choice for those who expect to use a moderate amount of health care services and want to keep expenses predictable.

Data filtered by:Results filtered by:
Age:
Age:40
Health First Commercial Plans, Inc.Monthly Cost$460Maximum Out-of-Pocket$8,700PlanSilver Value 1815
MolinaMonthly Cost$491Maximum Out-of-Pocket$7,800PlanSilver 9
Blue Cross Blue ShieldMonthly Cost$495Maximum Out-of-Pocket$9,450PlanmyBlue Connected Care Silver 24M03-70
Health First Commercial Plans, Inc.Monthly Cost$499Maximum Out-of-Pocket$8,700PlanSilver Savings 1821
Blue Cross Blue ShieldMonthly Cost$505Maximum Out-of-Pocket$9,450PlanmyBlue Connected Care Silver 24M03-70D
Blue Cross Blue ShieldMonthly Cost$506Maximum Out-of-Pocket$8,000PlanmyBlue Connected Care Silver 2332
OscarMonthly Cost$507Maximum Out-of-Pocket$9,100PlanSilver Elite Saver Plus
Health First Commercial Plans, Inc.Monthly Cost$509Maximum Out-of-Pocket$9,100PlanSilver Standard 1829
Florida Health Care PlansMonthly Cost$509Maximum Out-of-Pocket$9,100PlanGym Access IND Silver HMO OA Standard 1440
Capital HealthMonthly Cost$509Maximum Out-of-Pocket$9,100PlanCapital Health Plan HMO Silver 2300
Health First Commercial Plans, Inc.Monthly Cost$510Maximum Out-of-Pocket$8,700PlanSilver 1806
AetnaMonthly Cost$511Maximum Out-of-Pocket$8,885PlanSilver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$511Maximum Out-of-Pocket$9,100PlanSilver S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
Florida Health Care PlansMonthly Cost$513Maximum Out-of-Pocket$8,450PlanGym Access IND Silver HMO BC 7741
Blue Cross Blue ShieldMonthly Cost$516Maximum Out-of-Pocket$8,000PlanmyBlue Connected Care Silver 2332D
AmbetterMonthly Cost$518Maximum Out-of-Pocket$9,100PlanStandard Silver VALUE
Florida Health Care PlansMonthly Cost$519Maximum Out-of-Pocket$7,500PlanGym Access IND Silver HMO BC 0941
AmbetterMonthly Cost$520Maximum Out-of-Pocket$5,400PlanClear VALUE Silver
Capital HealthMonthly Cost$521Maximum Out-of-Pocket$9,100PlanCapital Health Plan HMO Silver 2100
AetnaMonthly Cost$522Maximum Out-of-Pocket$8,445PlanSilver 6: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$522Maximum Out-of-Pocket$8,845PlanSilver 7: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
Florida Health Care PlansMonthly Cost$522Maximum Out-of-Pocket$8,900PlanGym Access IND Essential Plus Silver HMO 53
MolinaMonthly Cost$523Maximum Out-of-Pocket$9,450PlanSilver 12 with First 4 Primary Care Visits Free
Health First Commercial Plans, Inc.Monthly Cost$523Maximum Out-of-Pocket$8,700PlanSilver Gym Access 1688
MolinaMonthly Cost$525Maximum Out-of-Pocket$7,850PlanSilver 1
OscarMonthly Cost$527Maximum Out-of-Pocket$8,900PlanSilver Simple PCP Saver
MolinaMonthly Cost$529Maximum Out-of-Pocket$7,850PlanSilver 1 with Adult Vision Services
OscarMonthly Cost$529Maximum Out-of-Pocket$9,100PlanSilver Classic Standard
AmbetterMonthly Cost$529Maximum Out-of-Pocket$8,000PlanFocused VALUE Silver
OscarMonthly Cost$531Maximum Out-of-Pocket$9,000PlanSilver Simple
Health First Commercial Plans, Inc.Monthly Cost$532Maximum Out-of-Pocket$9,100PlanSilver Gym Access 1664
AmbetterMonthly Cost$532Maximum Out-of-Pocket$9,100PlanStandard Silver SELECT
MolinaMonthly Cost$534Maximum Out-of-Pocket$9,100PlanSilver 8
AmbetterMonthly Cost$535Maximum Out-of-Pocket$9,100PlanStandard Silver
OscarMonthly Cost$536Maximum Out-of-Pocket$8,650PlanSilver Classic
AmbetterMonthly Cost$537Maximum Out-of-Pocket$5,400PlanClear Silver
Florida Health Care PlansMonthly Cost$540Maximum Out-of-Pocket$7,900PlanGym Access IND Silver HMO OA 1009
AmbetterMonthly Cost$540Maximum Out-of-Pocket$8,500PlanComplete VALUE Silver
Blue Cross Blue ShieldMonthly Cost$542Maximum Out-of-Pocket$9,200PlanmyBlue Silver 24M06-76
OscarMonthly Cost$543Maximum Out-of-Pocket$8,040PlanSilver Elite
AmbetterMonthly Cost$543Maximum Out-of-Pocket$8,000PlanFocused SELECT Silver with Select Providers
AmeriHealthMonthly Cost$545Maximum Out-of-Pocket$9,100PlanAmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals
AmbetterMonthly Cost$546Maximum Out-of-Pocket$8,000PlanFocused Silver
Blue Cross Blue ShieldMonthly Cost$547Maximum Out-of-Pocket$9,450PlanmyBlue Silver 2237
Florida Health Care PlansMonthly Cost$550Maximum Out-of-Pocket$9,100PlanGym Access IND Silver POS OA Standard 1440
AmbetterMonthly Cost$551Maximum Out-of-Pocket$8,400PlanEveryday Silver
Florida Health Care PlansMonthly Cost$553Maximum Out-of-Pocket$8,900PlanGym Access IND Essential Plus Silver POS 54
AmbetterMonthly Cost$554Maximum Out-of-Pocket$9,100PlanStandard Silver + Vision + Adult Dental
Blue Cross Blue ShieldMonthly Cost$554Maximum Out-of-Pocket$9,200PlanmyBlue Silver 24M06-76D
Florida Health Care PlansMonthly Cost$554Maximum Out-of-Pocket$8,450PlanGym Access IND Silver POS BC 7741
AmbetterMonthly Cost$555Maximum Out-of-Pocket$5,400PlanClear Silver + Vision + Adult Dental
Blue Cross Blue ShieldMonthly Cost$558Maximum Out-of-Pocket$9,450PlanmyBlue Silver 2237D
Florida Health Care PlansMonthly Cost$561Maximum Out-of-Pocket$7,500PlanGym Access IND Silver POS BC 0941
AmbetterMonthly Cost$565Maximum Out-of-Pocket$8,000PlanFocused Silver + Vision + Adult Dental
Blue Cross Blue ShieldMonthly Cost$570Maximum Out-of-Pocket$9,300PlanmyBlue Silver 24M02-78
AmbetterMonthly Cost$570Maximum Out-of-Pocket$8,400PlanEveryday Silver + Vision + Adult Dental
AmbetterMonthly Cost$574Maximum Out-of-Pocket$9,100PlanStandard Ambetter Virtual Access Silver
AmbetterMonthly Cost$574Maximum Out-of-Pocket$7,400PlanAmbetter Virtual Access Silver
UnitedHealthcareMonthly Cost$575Maximum Out-of-Pocket$9,100PlanUHC Silver Standard
Blue Cross Blue ShieldMonthly Cost$576Maximum Out-of-Pocket$7,500PlanmyBlue Silver 2017
Blue Cross Blue ShieldMonthly Cost$577Maximum Out-of-Pocket$9,100PlanmyBlue Silver 2313S
UnitedHealthcareMonthly Cost$580Maximum Out-of-Pocket$9,450PlanUHC Silver Value
CignaMonthly Cost$581Maximum Out-of-Pocket$9,400PlanConnect Silver 3000 Indiv Med Deductible
UnitedHealthcareMonthly Cost$582Maximum Out-of-Pocket$9,100PlanUHC Silver Virtual First (Disponible en espanol)
AmeriHealthMonthly Cost$582Maximum Out-of-Pocket$9,400PlanAmeriHealth Caritas Next Silver Premier + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals Plan
Blue Cross Blue ShieldMonthly Cost$582Maximum Out-of-Pocket$9,300PlanmyBlue Silver 24M02-78D
CignaMonthly Cost$582Maximum Out-of-Pocket$9,000PlanConnect Silver 5000 Indiv Med Deductible
Florida Health Care PlansMonthly Cost$583Maximum Out-of-Pocket$7,900PlanGym Access IND Silver POS OA 1009
CignaMonthly Cost$586Maximum Out-of-Pocket$9,100PlanConnect Silver CMS Standard
UnitedHealthcareMonthly Cost$587Maximum Out-of-Pocket$9,450PlanUHC Silver Advantage
CignaMonthly Cost$587Maximum Out-of-Pocket$9,200PlanConnect Silver 4000 Indiv Med Deductible
Blue Cross Blue ShieldMonthly Cost$590Maximum Out-of-Pocket$7,500PlanmyBlue Silver 24M06-50
Blue Cross Blue ShieldMonthly Cost$591Maximum Out-of-Pocket$7,700PlanmyBlue Silver 2010
Blue Cross Blue ShieldMonthly Cost$593Maximum Out-of-Pocket$8,000PlanBlueSelect Silver 1443
CignaMonthly Cost$594Maximum Out-of-Pocket$9,100PlanConnect Silver 9100 Indiv Med Deductible
UnitedHealthcareMonthly Cost$605Maximum Out-of-Pocket$9,450PlanUHC Silver Copay Focus $0 Indiv Med Ded
Blue Cross Blue ShieldMonthly Cost$610Maximum Out-of-Pocket$7,800PlanmyBlue Silver 2204
UnitedHealthcareMonthly Cost$613Maximum Out-of-Pocket$9,450PlanUHC Silver Advantage+
Blue Cross Blue ShieldMonthly Cost$616Maximum Out-of-Pocket$9,100PlanBlueSelect Silver 2343S
Blue Cross Blue ShieldMonthly Cost$620Maximum Out-of-Pocket$9,100PlanmyBlue Silver 2323S
Blue Cross Blue ShieldMonthly Cost$634Maximum Out-of-Pocket$7,150PlanBlueSelect Silver 1456
AvMedMonthly Cost$642Maximum Out-of-Pocket$9,100PlanAvMed Entrust Silver Standard
AvMedMonthly Cost$656Maximum Out-of-Pocket$7,500PlanAvMed Entrust Silver 550
AvMedMonthly Cost$662Maximum Out-of-Pocket$7,500PlanAvMed Entrust Silver 500
Blue Cross Blue ShieldMonthly Cost$662Maximum Out-of-Pocket$8,000PlanBlueCare Silver 24K01-02
AvMedMonthly Cost$663Maximum Out-of-Pocket$7,500PlanAvMed Entrust Silver 550 Dental+Vision
AvMedMonthly Cost$669Maximum Out-of-Pocket$7,500PlanAvMed Entrust Silver 500 Dental+Vision
AvMedMonthly Cost$669Maximum Out-of-Pocket$8,000PlanAvMed Entrust Silver 350
AvMedMonthly Cost$676Maximum Out-of-Pocket$8,000PlanAvMed Entrust Silver 350 Dental+Vision
AvMedMonthly Cost$693Maximum Out-of-Pocket$7,650PlanAvMed Entrust Silver 300
AvMedMonthly Cost$700Maximum Out-of-Pocket$7,650PlanAvMed Entrust Silver 300 Dental+Vision
Blue Cross Blue ShieldMonthly Cost$701Maximum Out-of-Pocket$9,100PlanBlueCare Silver 24K01-32S
Blue Cross Blue ShieldMonthly Cost$729Maximum Out-of-Pocket$7,150PlanBlueCare Silver 24K01-06
Blue Cross Blue ShieldMonthly Cost$801Maximum Out-of-Pocket$8,000PlanBlueCare Silver 24K02-21
Blue Cross Blue ShieldMonthly Cost$849Maximum Out-of-Pocket$9,100PlanBlueCare Silver 24K02-27S
Blue Cross Blue ShieldMonthly Cost$929Maximum Out-of-Pocket$8,000PlanBlueOptions Silver 24J01-03
Blue Cross Blue ShieldMonthly Cost$966Maximum Out-of-Pocket$9,100PlanBlueOptions Silver 24J01-19S
Blue Cross Blue ShieldMonthly Cost$994Maximum Out-of-Pocket$7,150PlanBlueOptions Silver 24J01-07

Cheapest Gold Plans in Florida

The most affordable Gold plan in Florida is the Gold Value 1819 offered by Health First Commercial Plans, Inc., with a monthly cost of $464.

The three most affordable Gold health insurance plans in Florida are:

  • Gold Value 1819 from Health First Commercial Plans, Inc. ($464)
  • Standard Gold VALUE from Ambetter ($487)
  • Standard Gold SELECT from Ambetter ($500)

Gold plans are best if you anticipate regular medical expenses and want comprehensive coverage. These plans offer lower out-of-pocket costs in exchange for higher monthly premiums.

Data filtered by:Results filtered by:
Age:
Age:40
Health First Commercial Plans, Inc.Monthly Cost$464Maximum Out-of-Pocket$7,800PlanGold Value 1819
AmbetterMonthly Cost$487Maximum Out-of-Pocket$8,700PlanStandard Gold VALUE
AmbetterMonthly Cost$500Maximum Out-of-Pocket$8,700PlanStandard Gold SELECT
AmbetterMonthly Cost$502Maximum Out-of-Pocket$8,700PlanStandard Gold
Florida Health Care PlansMonthly Cost$503Maximum Out-of-Pocket$4,900PlanGym Access IND Gold HMO H.S.A 9010
Health First Commercial Plans, Inc.Monthly Cost$504Maximum Out-of-Pocket$7,700PlanGold Savings 1825
AmbetterMonthly Cost$505Maximum Out-of-Pocket$7,500PlanEveryday Gold
Florida Health Care PlansMonthly Cost$512Maximum Out-of-Pocket$8,700PlanGym Access IND Gold HMO OA Standard 3450
AmbetterMonthly Cost$512Maximum Out-of-Pocket$7,500PlanComplete VALUE Gold
AmbetterMonthly Cost$520Maximum Out-of-Pocket$8,700PlanStandard Gold + Vision + Adult Dental
Capital HealthMonthly Cost$521Maximum Out-of-Pocket$8,700PlanCapital Health Plan HMO Gold 3100
AmbetterMonthly Cost$523Maximum Out-of-Pocket$7,500PlanEveryday Gold + Vision + Adult Dental
AmbetterMonthly Cost$526Maximum Out-of-Pocket$7,500PlanComplete SELECT Gold with Select Providers
AmbetterMonthly Cost$529Maximum Out-of-Pocket$7,500PlanComplete Gold
Health First Commercial Plans, Inc.Monthly Cost$534Maximum Out-of-Pocket$8,700PlanGold Standard 1833
Health First Commercial Plans, Inc.Monthly Cost$536Maximum Out-of-Pocket$8,700PlanGold 1770
AmbetterMonthly Cost$538Maximum Out-of-Pocket$8,700PlanStandard Ambetter Virtual Access Gold
Florida Health Care PlansMonthly Cost$540Maximum Out-of-Pocket$5,000PlanGym Access IND Gold HMO 4500
Florida Health Care PlansMonthly Cost$542Maximum Out-of-Pocket$7,500PlanGym Access IND Gold HMO 55001
AetnaMonthly Cost$544Maximum Out-of-Pocket$9,195PlanGold 3: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$547Maximum Out-of-Pocket$8,700PlanGold S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
OscarMonthly Cost$547Maximum Out-of-Pocket$8,700PlanGold Classic Standard
AmbetterMonthly Cost$547Maximum Out-of-Pocket$7,500PlanComplete Gold + Vision + Adult Dental
AmbetterMonthly Cost$548Maximum Out-of-Pocket$8,700PlanAmbetter Virtual Access Gold
AetnaMonthly Cost$552Maximum Out-of-Pocket$9,000PlanGold 4: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
Florida Health Care PlansMonthly Cost$553Maximum Out-of-Pocket$8,700PlanGym Access IND Gold POS OA Standard 3450
Health First Commercial Plans, Inc.Monthly Cost$554Maximum Out-of-Pocket$8,150PlanGold Gym Access 1736
Health First Commercial Plans, Inc.Monthly Cost$564Maximum Out-of-Pocket$7,750PlanGold Gym Access 1742
OscarMonthly Cost$569Maximum Out-of-Pocket$7,000PlanGold Classic
Florida Health Care PlansMonthly Cost$571Maximum Out-of-Pocket$6,800PlanGym Access IND Gold HMO BC 5651
Capital HealthMonthly Cost$572Maximum Out-of-Pocket$7,900PlanCapital Health Plan HMO Gold 3000
AmbetterMonthly Cost$581Maximum Out-of-Pocket$5,500PlanElite Gold
Florida Health Care PlansMonthly Cost$586Maximum Out-of-Pocket$5,000PlanGym Access IND Gold POS 4500
Florida Health Care PlansMonthly Cost$586Maximum Out-of-Pocket$7,500PlanGym Access IND Gold POS 55001
OscarMonthly Cost$590Maximum Out-of-Pocket$5,500PlanGold Elite
AmbetterMonthly Cost$601Maximum Out-of-Pocket$5,500PlanElite Gold + Vision + Adult Dental
CignaMonthly Cost$605Maximum Out-of-Pocket$8,000PlanConnect Gold 2500 Indiv Med Deductible
CignaMonthly Cost$611Maximum Out-of-Pocket$8,700PlanConnect Gold CMS Standard
MolinaMonthly Cost$617Maximum Out-of-Pocket$8,100PlanGold 1
Florida Health Care PlansMonthly Cost$618Maximum Out-of-Pocket$6,800PlanGym Access IND Gold POS BC 5651
MolinaMonthly Cost$621Maximum Out-of-Pocket$8,100PlanGold 1 with Adult Vision Services
OscarMonthly Cost$622Maximum Out-of-Pocket$8,700PlanGold Elite Saver Plus
AmeriHealthMonthly Cost$622Maximum Out-of-Pocket$8,700PlanAmeriHealth Caritas Next Gold Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals
CignaMonthly Cost$630Maximum Out-of-Pocket$9,450PlanConnect Gold 500 Indiv Med Deductible
MolinaMonthly Cost$631Maximum Out-of-Pocket$8,700PlanGold 8
UnitedHealthcareMonthly Cost$653Maximum Out-of-Pocket$9,000PlanUHC Gold Value
UnitedHealthcareMonthly Cost$655Maximum Out-of-Pocket$8,400PlanUHC Gold Virtual First (Disponible en espanol)
UnitedHealthcareMonthly Cost$657Maximum Out-of-Pocket$8,700PlanUHC Gold Standard
Blue Cross Blue ShieldMonthly Cost$665Maximum Out-of-Pocket$8,700PlanmyBlue Gold 2314S
UnitedHealthcareMonthly Cost$668Maximum Out-of-Pocket$7,750PlanUHC Gold Copay Focus $0 Indiv Med Ded
Blue Cross Blue ShieldMonthly Cost$674Maximum Out-of-Pocket$4,700PlanmyBlue Gold 1605
Blue Cross Blue ShieldMonthly Cost$677Maximum Out-of-Pocket$8,700PlanBlueSelect Gold 2344S
UnitedHealthcareMonthly Cost$693Maximum Out-of-Pocket$7,750PlanUHC Gold Advantage+
Blue Cross Blue ShieldMonthly Cost$694Maximum Out-of-Pocket$5,900PlanBlueSelect Gold 1835
Blue Cross Blue ShieldMonthly Cost$702Maximum Out-of-Pocket$5,950PlanmyBlue Gold 24M05-74
Blue Cross Blue ShieldMonthly Cost$708Maximum Out-of-Pocket$8,700PlanmyBlue Gold 2325S
Blue Cross Blue ShieldMonthly Cost$715Maximum Out-of-Pocket$6,250PlanBlueSelect Gold 1535
Blue Cross Blue ShieldMonthly Cost$718Maximum Out-of-Pocket$4,700PlanmyBlue Gold 2011
AvMedMonthly Cost$721Maximum Out-of-Pocket$4,700PlanAvMed Entrust Gold 125
AvMedMonthly Cost$728Maximum Out-of-Pocket$4,700PlanAvMed Entrust Gold 125 Dental+Vision
AvMedMonthly Cost$753Maximum Out-of-Pocket$8,700PlanAvMed Entrust Gold Standard
Blue Cross Blue ShieldMonthly Cost$761Maximum Out-of-Pocket$5,950PlanmyBlue Gold 2016
Blue Cross Blue ShieldMonthly Cost$765Maximum Out-of-Pocket$8,700PlanBlueCare Gold 24K01-33S
Blue Cross Blue ShieldMonthly Cost$790Maximum Out-of-Pocket$5,900PlanBlueCare Gold 24K01-10
Blue Cross Blue ShieldMonthly Cost$823Maximum Out-of-Pocket$6,250PlanBlueCare Gold 24K01-08
Blue Cross Blue ShieldMonthly Cost$939Maximum Out-of-Pocket$8,700PlanBlueCare Gold 24K02-28S
Blue Cross Blue ShieldMonthly Cost$1,009Maximum Out-of-Pocket$6,250PlanBlueCare Gold 24K02-20
Blue Cross Blue ShieldMonthly Cost$1,013Maximum Out-of-Pocket$8,700PlanBlueOptions Gold 24J01-20S
Blue Cross Blue ShieldMonthly Cost$1,039Maximum Out-of-Pocket$5,900PlanBlueOptions Gold 24J01-12
Blue Cross Blue ShieldMonthly Cost$1,070Maximum Out-of-Pocket$6,250PlanBlueOptions Gold 24J01-09

Cheapest Bronze Plans in Florida

The most cost-effective Bronze health plan in Florida is the AmeriHealth Caritas Next Bronze Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals from AmeriHealth, offered at a monthly cost of $410.

The three cheapest Bronze plans in Florida are:

  • AmeriHealth Caritas Next Bronze Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals from AmeriHealth ($410)
  • UHC Bronze Essential from UnitedHealthcare ($459)
  • BlueSelect Bronze 24L01-01 from Blue Cross Blue Shield ($467)

Bronze plans are well-suited for individuals who want lower monthly premiums and can handle higher out-of-pocket expenses in case they require medical care. They are ideal for those who do not expect to need frequent health care services but want to have coverage for significant medical events. These plans generally offer essential health benefits and are a good choice for those seeking basic coverage without high monthly costs.

Data filtered by:Results filtered by:
Age:
Age:40
AmeriHealthMonthly Cost$410Maximum Out-of-Pocket$9,450PlanAmeriHealth Caritas Next Bronze Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals
UnitedHealthcareMonthly Cost$459Maximum Out-of-Pocket$9,450PlanUHC Bronze Essential
Blue Cross Blue ShieldMonthly Cost$467Maximum Out-of-Pocket$9,450PlanBlueSelect Bronze 24L01-01
Blue Cross Blue ShieldMonthly Cost$509Maximum Out-of-Pocket$9,450PlanBlueCare Bronze 24K01-05
Blue Cross Blue ShieldMonthly Cost$622Maximum Out-of-Pocket$9,450PlanBlueOptions Bronze 24J01-06
Blue Cross Blue ShieldMonthly Cost$624Maximum Out-of-Pocket$9,450PlanBlueCare Bronze 24K02-18

Cheapest Expanded Bronze Plans in Florida

The most affordable Expanded Bronze plan in Florida is the Bronze Classic offered by Oscar, with a monthly premium of $376.

The three cheapest Expanded Bronze health insurance plans in Florida are:

  • Bronze Classic from Oscar ($376)
  • Bronze Value 1814 from Health First Commercial Plans, Inc. ($380)
  • Bronze Savings 1820 from Health First Commercial Plans, Inc. ($408)

Expanded Bronze plans offer moderate premiums for those who expect average medical expenses. They're a middle-ground option for those who find standard Bronze plans too limiting.

Data filtered by:Results filtered by:
Age:
Age:40
OscarMonthly Cost$376Maximum Out-of-Pocket$9,100PlanBronze Classic
Health First Commercial Plans, Inc.Monthly Cost$380Maximum Out-of-Pocket$8,700PlanBronze Value 1814
Health First Commercial Plans, Inc.Monthly Cost$408Maximum Out-of-Pocket$9,450PlanBronze Savings 1820
AetnaMonthly Cost$408Maximum Out-of-Pocket$9,400PlanBronze S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AmbetterMonthly Cost$409Maximum Out-of-Pocket$9,400PlanStandard Expanded Bronze VALUE
Capital HealthMonthly Cost$410Maximum Out-of-Pocket$9,400PlanCapital Health Plan HMO Bronze 1000
Florida Health Care PlansMonthly Cost$415Maximum Out-of-Pocket$9,400PlanGym Access IND Bronze HMO 1340
MolinaMonthly Cost$418Maximum Out-of-Pocket$9,400PlanBronze 8
AmbetterMonthly Cost$420Maximum Out-of-Pocket$9,400PlanStandard Expanded Bronze SELECT
AmbetterMonthly Cost$423Maximum Out-of-Pocket$9,400PlanStandard Expanded Bronze
Florida Health Care PlansMonthly Cost$425Maximum Out-of-Pocket$7,500PlanGym Access IND Bronze HMO HSA 5065
Florida Health Care PlansMonthly Cost$429Maximum Out-of-Pocket$9,100PlanGym Access IND Bronze Standardized HMO
AmbetterMonthly Cost$431Maximum Out-of-Pocket$9,250PlanEveryday Bronze
Health First Commercial Plans, Inc.Monthly Cost$433Maximum Out-of-Pocket$9,400PlanBronze Standard 1828
Health First Commercial Plans, Inc.Monthly Cost$434Maximum Out-of-Pocket$9,350PlanBronze 1750
OscarMonthly Cost$434Maximum Out-of-Pocket$9,400PlanBronze Classic Standard
CignaMonthly Cost$436Maximum Out-of-Pocket$9,450PlanConnect Bronze 8500 Indiv Med Deductible
CignaMonthly Cost$436Maximum Out-of-Pocket$9,450PlanConnect Bronze 6500 Indiv Med Deductible Enhanced Diabetes Care
AmbetterMonthly Cost$437Maximum Out-of-Pocket$7,250PlanChoice Bronze HSA
AmbetterMonthly Cost$437Maximum Out-of-Pocket$9,400PlanStandard Expanded Bronze + Vision + Adult Dental
CignaMonthly Cost$438Maximum Out-of-Pocket$9,400PlanConnect Bronze CMS Standard
OscarMonthly Cost$438Maximum Out-of-Pocket$9,100PlanBronze Classic 4700
Florida Health Care PlansMonthly Cost$439Maximum Out-of-Pocket$9,400PlanGym Access IND Bronze HMO OA Standard 2450
AmeriHealthMonthly Cost$442Maximum Out-of-Pocket$9,400PlanAmeriHealth Caritas Next Expanded Bronze Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals
CignaMonthly Cost$442Maximum Out-of-Pocket$9,400PlanConnect Bronze 5500 Indiv Med Deductible
Health First Commercial Plans, Inc.Monthly Cost$445Maximum Out-of-Pocket$7,050PlanBronze HSA 1794
AmbetterMonthly Cost$446Maximum Out-of-Pocket$9,250PlanEveryday Bronze + Vision + Adult Dental
AetnaMonthly Cost$450Maximum Out-of-Pocket$9,400PlanBronze 4: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AmbetterMonthly Cost$452Maximum Out-of-Pocket$7,250PlanChoice Bronze HSA + Vision + Adult Dental
AmeriHealthMonthly Cost$452Maximum Out-of-Pocket$9,450PlanAmeriHealth Caritas Next Expanded Bronze Premier + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals Plan
AmbetterMonthly Cost$453Maximum Out-of-Pocket$9,400PlanStandard Ambetter Virtual Access Expanded Bronze
AmbetterMonthly Cost$459Maximum Out-of-Pocket$8,550PlanAmbetter Virtual Access Bronze
UnitedHealthcareMonthly Cost$466Maximum Out-of-Pocket$9,450PlanUHC Bronze Value
UnitedHealthcareMonthly Cost$467Maximum Out-of-Pocket$9,450PlanUHC Bronze Virtual First (Disponible en espanol)
Florida Health Care PlansMonthly Cost$467Maximum Out-of-Pocket$9,450PlanGym Access IND Bronze HMO OA 1211
UnitedHealthcareMonthly Cost$467Maximum Out-of-Pocket$9,400PlanUHC Bronze Standard
Florida Health Care PlansMonthly Cost$468Maximum Out-of-Pocket$9,400PlanGym Access IND Bronze POS 1042
Florida Health Care PlansMonthly Cost$468Maximum Out-of-Pocket$9,300PlanGym Access IND Bronze POS BC 3841
Blue Cross Blue ShieldMonthly Cost$471Maximum Out-of-Pocket$9,400PlanmyBlue Bronze 2312S
Florida Health Care PlansMonthly Cost$474Maximum Out-of-Pocket$9,400PlanGym Access IND Bronze POS OA Standard 2450
OscarMonthly Cost$475Maximum Out-of-Pocket$9,450PlanBronze Elite Saver Plus
CignaMonthly Cost$479Maximum Out-of-Pocket$9,450PlanConnect Bronze 0 Indiv Med Deductible
Health First Commercial Plans, Inc.Monthly Cost$479Maximum Out-of-Pocket$9,450PlanBronze 1826
AmbetterMonthly Cost$479Maximum Out-of-Pocket$9,250PlanElite VALUE Bronze
OscarMonthly Cost$484Maximum Out-of-Pocket$9,450PlanBronze Elite + PCP Saver Plus
MolinaMonthly Cost$486Maximum Out-of-Pocket$9,400PlanBronze 4
Blue Cross Blue ShieldMonthly Cost$486Maximum Out-of-Pocket$7,050PlanBlueSelect Bronze 1735 (Rewards $$$ / $4 Condition Care Rx)
Blue Cross Blue ShieldMonthly Cost$487Maximum Out-of-Pocket$9,450PlanmyBlue Bronze 2219
OscarMonthly Cost$490Maximum Out-of-Pocket$9,450PlanBronze Elite + Specialist Saver Plus
UnitedHealthcareMonthly Cost$490Maximum Out-of-Pocket$9,450PlanUHC Bronze Copay Focus $0 Indiv Med Ded
Blue Cross Blue ShieldMonthly Cost$490Maximum Out-of-Pocket$9,400PlanBlueSelect Bronze 2342S
AmbetterMonthly Cost$492Maximum Out-of-Pocket$9,250PlanElite SELECT Bronze with Select Providers
AmbetterMonthly Cost$495Maximum Out-of-Pocket$9,250PlanElite Bronze
Blue Cross Blue ShieldMonthly Cost$497Maximum Out-of-Pocket$9,450PlanmyBlue Bronze 1601
Blue Cross Blue ShieldMonthly Cost$499Maximum Out-of-Pocket$9,450PlanBlueSelect Bronze 1449
Florida Health Care PlansMonthly Cost$504Maximum Out-of-Pocket$9,450PlanGym Access IND Bronze POS OA 1211
Blue Cross Blue ShieldMonthly Cost$508Maximum Out-of-Pocket$9,400PlanmyBlue Bronze 2322S
Blue Cross Blue ShieldMonthly Cost$511Maximum Out-of-Pocket$9,450PlanmyBlue Bronze 2329
AmbetterMonthly Cost$512Maximum Out-of-Pocket$9,250PlanElite Bronze + Vision + Adult Dental
AvMedMonthly Cost$516Maximum Out-of-Pocket$8,750PlanAvMed Entrust Bronze 650
Blue Cross Blue ShieldMonthly Cost$523Maximum Out-of-Pocket$9,450PlanBlueSelect Bronze 2139
Blue Cross Blue ShieldMonthly Cost$523Maximum Out-of-Pocket$9,450PlanmyBlue Bronze 2286
Blue Cross Blue ShieldMonthly Cost$523Maximum Out-of-Pocket$9,450PlanmyBlue Bronze 2129
AvMedMonthly Cost$526Maximum Out-of-Pocket$9,400PlanAvMed Entrust Expanded Bronze Standard
Blue Cross Blue ShieldMonthly Cost$535Maximum Out-of-Pocket$7,050PlanBlueCare Bronze 24K01-09 (Rewards $$$ / $4 Condition Care Rx)
Blue Cross Blue ShieldMonthly Cost$536Maximum Out-of-Pocket$9,450PlanmyBlue Bronze 2013
Blue Cross Blue ShieldMonthly Cost$544Maximum Out-of-Pocket$9,400PlanBlueCare Bronze 24K01-31S
Blue Cross Blue ShieldMonthly Cost$547Maximum Out-of-Pocket$9,450PlanmyBlue Bronze 2349
AvMedMonthly Cost$548Maximum Out-of-Pocket$8,500PlanAvMed Entrust Bronze 600
Blue Cross Blue ShieldMonthly Cost$559Maximum Out-of-Pocket$9,450PlanBlueCare Bronze 24K01-03
Blue Cross Blue ShieldMonthly Cost$563Maximum Out-of-Pocket$9,450PlanmyBlue Bronze 2149
Blue Cross Blue ShieldMonthly Cost$596Maximum Out-of-Pocket$9,450PlanBlueCare Bronze 24K01-25
Blue Cross Blue ShieldMonthly Cost$646Maximum Out-of-Pocket$7,050PlanBlueOptions Bronze 24J01-10 (Rewards $$$ / $4 Condition Care Rx)
Blue Cross Blue ShieldMonthly Cost$651Maximum Out-of-Pocket$9,400PlanBlueOptions Bronze 24J01-18S
AvMedMonthly Cost$658Maximum Out-of-Pocket$9,000PlanAvMed Entrust Bronze 625 Dental+Vision
Blue Cross Blue ShieldMonthly Cost$664Maximum Out-of-Pocket$9,450PlanBlueOptions Bronze 24J01-04
Blue Cross Blue ShieldMonthly Cost$667Maximum Out-of-Pocket$9,400PlanBlueCare Bronze 24K02-26S
Blue Cross Blue ShieldMonthly Cost$685Maximum Out-of-Pocket$9,450PlanBlueCare Bronze 24K02-17
Blue Cross Blue ShieldMonthly Cost$696Maximum Out-of-Pocket$9,450PlanBlueOptions Bronze 24J01-17
Blue Cross Blue ShieldMonthly Cost$731Maximum Out-of-Pocket$9,450PlanBlueCare Bronze 24K02-23

Cheapest Catastrophic Plans in Florida

The Catastrophic Gym Access 1746 from Health First Commercial Plans, Inc. is the most affordable Catastrophic tier plan available to Florida residents, with a monthly cost of $199.

The three least expensive Catastrophic plans available in Florida are:

  • Catastrophic Gym Access 1746 from Health First Commercial Plans, Inc. ($199)
  • Gym Access IND Essential Plus Catastrophic HMO 36 from Florida Health Care Plans ($247)
  • Secure from Oscar ($258)

Designed for adults under 30 or those with a hardship exemption, Catastrophic plans offer low premiums alongside high out-of-pocket costs. These plans suit individuals seeking to minimize monthly expenses while securing a safety net for major medical events. However, they are not recommended for those anticipating regular medical visits or requiring frequent prescriptions.

Data filtered by:Results filtered by:
Age:
Age:26
Health First Commercial Plans, Inc.Monthly Cost$199Maximum Out-of-Pocket$9,450PlanCatastrophic Gym Access 1746
Florida Health Care PlansMonthly Cost$247Maximum Out-of-Pocket$9,450PlanGym Access IND Essential Plus Catastrophic HMO 36
OscarMonthly Cost$258Maximum Out-of-Pocket$9,450PlanSecure
Florida Health Care PlansMonthly Cost$266Maximum Out-of-Pocket$9,450PlanGym Access IND Essential Plus Catastrophic POS 37

Cheapest Platinum Plans in Florida

The most affordable Platinum-tier health insurance plan in Florida is the Gym Access IND Platinum POS BC 5841 offered by Florida Health Care Plans at a monthly cost of $742.

The cheapest Platinum plans offered in Florida are:

  • Gym Access IND Platinum POS BC 5841 from Florida Health Care Plans ($742)
  • Gym Access IND Essential Plus Platinum POS 65 from Florida Health Care Plans ($759)
  • Gym Access IND Platinum POS 4000 from Florida Health Care Plans ($760)

Platinum plans are ideal for consumers who expect to require frequent medical care as they offer the lowest out-of-pocket costs in exchange for higher monthly premiums. They are suited for those willing to pay more per month to have fewer expenses when receiving medical treatment. These plans typically benefit customers with ongoing health issues or predict high medical costs in the upcoming year.

Data filtered by:Results filtered by:
Age:
Age:40
Florida Health Care PlansMonthly Cost$742Maximum Out-of-Pocket$2,500PlanGym Access IND Platinum POS BC 5841
Florida Health Care PlansMonthly Cost$759Maximum Out-of-PocketNo DataPlanGym Access IND Essential Plus Platinum POS 65
Florida Health Care PlansMonthly Cost$760Maximum Out-of-Pocket$4,000PlanGym Access IND Platinum POS 4000
Florida Health Care PlansMonthly Cost$771Maximum Out-of-Pocket$2,100PlanGym Access IND Platinum POS BC 1941
Florida Health Care PlansMonthly Cost$772Maximum Out-of-Pocket$3,200PlanGym Access IND Platinum POS OA Standard 4450
Capital HealthMonthly Cost$784Maximum Out-of-Pocket$3,200PlanCapital Health Plan HMO Platinum 4000
Blue Cross Blue ShieldMonthly Cost$832Maximum Out-of-Pocket$4,000PlanBlueSelect Platinum 1451
Blue Cross Blue ShieldMonthly Cost$857Maximum Out-of-Pocket$3,200PlanmyBlue Platinum 24M05-00S
Blue Cross Blue ShieldMonthly Cost$860Maximum Out-of-Pocket$3,200PlanBlueSelect Platinum 2345S
Blue Cross Blue ShieldMonthly Cost$860Maximum Out-of-Pocket$2,000PlanmyBlue Platinum 24M05-75
Blue Cross Blue ShieldMonthly Cost$865Maximum Out-of-Pocket$2,000PlanBlueSelect Platinum 1457
Blue Cross Blue ShieldMonthly Cost$905Maximum Out-of-Pocket$4,000PlanBlueCare Platinum 24K01-04
Blue Cross Blue ShieldMonthly Cost$921Maximum Out-of-Pocket$3,200PlanmyBlue Platinum 2324S
Blue Cross Blue ShieldMonthly Cost$932Maximum Out-of-Pocket$2,000PlanmyBlue Platinum 2015
Blue Cross Blue ShieldMonthly Cost$949Maximum Out-of-Pocket$3,200PlanBlueCare Platinum 24K01-34S
Blue Cross Blue ShieldMonthly Cost$952Maximum Out-of-Pocket$2,000PlanBlueCare Platinum 24K01-07
AvMedMonthly Cost$1,002Maximum Out-of-Pocket$3,100PlanAvMed Entrust Platinum 25
AvMedMonthly Cost$1,009Maximum Out-of-Pocket$3,100PlanAvMed Entrust Platinum 25 Dental+Vision
AvMedMonthly Cost$1,017Maximum Out-of-Pocket$3,200PlanAvMed Entrust Platinum Standard
Blue Cross Blue ShieldMonthly Cost$1,163Maximum Out-of-Pocket$3,200PlanBlueCare Platinum 24K02-29S
Blue Cross Blue ShieldMonthly Cost$1,167Maximum Out-of-Pocket$2,000PlanBlueCare Platinum 24K02-15
Blue Cross Blue ShieldMonthly Cost$1,254Maximum Out-of-Pocket$4,000PlanBlueOptions Platinum 24J01-05
Blue Cross Blue ShieldMonthly Cost$1,296Maximum Out-of-Pocket$3,200PlanBlueOptions Platinum 24J01-21S
Blue Cross Blue ShieldMonthly Cost$1,304Maximum Out-of-Pocket$2,000PlanBlueOptions Platinum 24J01-08

Cheapest Health Insurance in Florida for Those With Low Income

In Florida, individuals who earn 250% below the Federal Poverty Level qualify for cost-sharing reductions on Silver plans, significantly reducing deductibles and out-of-pocket expenses.

The most affordable Silver plan for individuals earning between $14,580 and $21,870 per year is the Silver Value 1815 plan from Health First Commercial Plans, Inc., with a maximum out-of-pocket cost of $800.

The two cheapest Silver plans with their respective costs are:

  • Silver Value 1815 from Health First Commercial Plans, Inc. (Monthly Cost: $460, Maximum Out-of-Pocket: $800)
  • Silver 9 from Molina (Monthly Cost: $491, Maximum Out-of-Pocket: $1,625)

In Florida, cost-sharing reductions are available only with Silver plans. The annual income thresholds apply to single individuals and vary for larger households.

Data filtered by:Results filtered by:
Age:
Age:40
Annual Income:
Annual Income:$14,580 to $21,870 per year
Health First Commercial Plans, Inc.Monthly Cost$460Maximum Out-of-Pocket$800PlanSilver Value 1815
MolinaMonthly Cost$491Maximum Out-of-Pocket$1,625PlanSilver 9
Blue Cross Blue ShieldMonthly Cost$495Maximum Out-of-Pocket$1,800PlanmyBlue Connected Care Silver 24M03-70
Health First Commercial Plans, Inc.Monthly Cost$499Maximum Out-of-Pocket$800PlanSilver Savings 1821
Blue Cross Blue ShieldMonthly Cost$505Maximum Out-of-Pocket$1,800PlanmyBlue Connected Care Silver 24M03-70D
Blue Cross Blue ShieldMonthly Cost$506Maximum Out-of-Pocket$1,300PlanmyBlue Connected Care Silver 2332
OscarMonthly Cost$507Maximum Out-of-Pocket$1,500PlanSilver Elite Saver Plus
Health First Commercial Plans, Inc.Monthly Cost$509Maximum Out-of-Pocket$1,800PlanSilver Standard 1829
Florida Health Care PlansMonthly Cost$509Maximum Out-of-Pocket$1,800PlanGym Access IND Silver HMO OA Standard 1440
Capital HealthMonthly Cost$509Maximum Out-of-Pocket$1,800PlanCapital Health Plan HMO Silver 2300
Health First Commercial Plans, Inc.Monthly Cost$510Maximum Out-of-Pocket$800PlanSilver 1806
AetnaMonthly Cost$511Maximum Out-of-Pocket$1,275PlanSilver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$511Maximum Out-of-Pocket$1,800PlanSilver S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
Florida Health Care PlansMonthly Cost$513Maximum Out-of-Pocket$1,800PlanGym Access IND Silver HMO BC 7741
Blue Cross Blue ShieldMonthly Cost$516Maximum Out-of-Pocket$1,300PlanmyBlue Connected Care Silver 2332D
AmbetterMonthly Cost$518Maximum Out-of-Pocket$1,800PlanStandard Silver VALUE
Florida Health Care PlansMonthly Cost$519Maximum Out-of-Pocket$1,350PlanGym Access IND Silver HMO BC 0941
AmbetterMonthly Cost$520Maximum Out-of-Pocket$550PlanClear VALUE Silver
Capital HealthMonthly Cost$521Maximum Out-of-Pocket$1,400PlanCapital Health Plan HMO Silver 2100
AetnaMonthly Cost$522Maximum Out-of-Pocket$745PlanSilver 6: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$522Maximum Out-of-Pocket$895PlanSilver 7: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
Florida Health Care PlansMonthly Cost$522Maximum Out-of-Pocket$750PlanGym Access IND Essential Plus Silver HMO 53
MolinaMonthly Cost$523Maximum Out-of-Pocket$3,150PlanSilver 12 with First 4 Primary Care Visits Free
Health First Commercial Plans, Inc.Monthly Cost$523Maximum Out-of-Pocket$650PlanSilver Gym Access 1688
MolinaMonthly Cost$525Maximum Out-of-Pocket$1,650PlanSilver 1
OscarMonthly Cost$527Maximum Out-of-Pocket$1,550PlanSilver Simple PCP Saver
MolinaMonthly Cost$529Maximum Out-of-Pocket$1,650PlanSilver 1 with Adult Vision Services
OscarMonthly Cost$529Maximum Out-of-Pocket$1,800PlanSilver Classic Standard
AmbetterMonthly Cost$529Maximum Out-of-Pocket$1,350PlanFocused VALUE Silver
OscarMonthly Cost$531Maximum Out-of-Pocket$1,800PlanSilver Simple
Health First Commercial Plans, Inc.Monthly Cost$532Maximum Out-of-Pocket$900PlanSilver Gym Access 1664
AmbetterMonthly Cost$532Maximum Out-of-Pocket$1,800PlanStandard Silver SELECT
MolinaMonthly Cost$534Maximum Out-of-Pocket$1,800PlanSilver 8
AmbetterMonthly Cost$535Maximum Out-of-Pocket$1,800PlanStandard Silver
OscarMonthly Cost$536Maximum Out-of-Pocket$1,550PlanSilver Classic
AmbetterMonthly Cost$537Maximum Out-of-Pocket$550PlanClear Silver
Florida Health Care PlansMonthly Cost$540Maximum Out-of-Pocket$1,600PlanGym Access IND Silver HMO OA 1009
AmbetterMonthly Cost$540Maximum Out-of-Pocket$1,700PlanComplete VALUE Silver
Blue Cross Blue ShieldMonthly Cost$542Maximum Out-of-Pocket$1,800PlanmyBlue Silver 24M06-76
OscarMonthly Cost$543Maximum Out-of-Pocket$900PlanSilver Elite
AmbetterMonthly Cost$543Maximum Out-of-Pocket$1,350PlanFocused SELECT Silver with Select Providers
AmeriHealthMonthly Cost$545Maximum Out-of-Pocket$1,800PlanAmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals
AmbetterMonthly Cost$546Maximum Out-of-Pocket$1,350PlanFocused Silver
Blue Cross Blue ShieldMonthly Cost$547Maximum Out-of-Pocket$1,625PlanmyBlue Silver 2237
Florida Health Care PlansMonthly Cost$550Maximum Out-of-Pocket$1,800PlanGym Access IND Silver POS OA Standard 1440
AmbetterMonthly Cost$551Maximum Out-of-Pocket$1,400PlanEveryday Silver
Florida Health Care PlansMonthly Cost$553Maximum Out-of-Pocket$750PlanGym Access IND Essential Plus Silver POS 54
AmbetterMonthly Cost$554Maximum Out-of-Pocket$1,800PlanStandard Silver + Vision + Adult Dental
Blue Cross Blue ShieldMonthly Cost$554Maximum Out-of-Pocket$1,800PlanmyBlue Silver 24M06-76D
Florida Health Care PlansMonthly Cost$554Maximum Out-of-Pocket$1,800PlanGym Access IND Silver POS BC 7741
AmbetterMonthly Cost$555Maximum Out-of-Pocket$550PlanClear Silver + Vision + Adult Dental
Blue Cross Blue ShieldMonthly Cost$558Maximum Out-of-Pocket$1,625PlanmyBlue Silver 2237D
Florida Health Care PlansMonthly Cost$561Maximum Out-of-Pocket$1,350PlanGym Access IND Silver POS BC 0941
AmbetterMonthly Cost$565Maximum Out-of-Pocket$1,350PlanFocused Silver + Vision + Adult Dental
Blue Cross Blue ShieldMonthly Cost$570Maximum Out-of-Pocket$1,775PlanmyBlue Silver 24M02-78
AmbetterMonthly Cost$570Maximum Out-of-Pocket$1,400PlanEveryday Silver + Vision + Adult Dental
AmbetterMonthly Cost$574Maximum Out-of-Pocket$1,800PlanStandard Ambetter Virtual Access Silver
AmbetterMonthly Cost$574Maximum Out-of-Pocket$900PlanAmbetter Virtual Access Silver
UnitedHealthcareMonthly Cost$575Maximum Out-of-Pocket$1,800PlanUHC Silver Standard
Blue Cross Blue ShieldMonthly Cost$576Maximum Out-of-Pocket$1,750PlanmyBlue Silver 2017
Blue Cross Blue ShieldMonthly Cost$577Maximum Out-of-Pocket$1,800PlanmyBlue Silver 2313S
UnitedHealthcareMonthly Cost$580Maximum Out-of-Pocket$1,300PlanUHC Silver Value
CignaMonthly Cost$581Maximum Out-of-Pocket$1,200PlanConnect Silver 3000 Indiv Med Deductible
UnitedHealthcareMonthly Cost$582Maximum Out-of-Pocket$1,100PlanUHC Silver Virtual First (Disponible en espanol)
AmeriHealthMonthly Cost$582Maximum Out-of-Pocket$1,800PlanAmeriHealth Caritas Next Silver Premier + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals Plan
Blue Cross Blue ShieldMonthly Cost$582Maximum Out-of-Pocket$1,775PlanmyBlue Silver 24M02-78D
CignaMonthly Cost$582Maximum Out-of-Pocket$1,650PlanConnect Silver 5000 Indiv Med Deductible
Florida Health Care PlansMonthly Cost$583Maximum Out-of-Pocket$1,600PlanGym Access IND Silver POS OA 1009
CignaMonthly Cost$586Maximum Out-of-Pocket$1,800PlanConnect Silver CMS Standard
UnitedHealthcareMonthly Cost$587Maximum Out-of-Pocket$1,500PlanUHC Silver Advantage
CignaMonthly Cost$587Maximum Out-of-Pocket$1,400PlanConnect Silver 4000 Indiv Med Deductible
Blue Cross Blue ShieldMonthly Cost$590Maximum Out-of-Pocket$2,300PlanmyBlue Silver 24M06-50
Blue Cross Blue ShieldMonthly Cost$591Maximum Out-of-Pocket$1,200PlanmyBlue Silver 2010
Blue Cross Blue ShieldMonthly Cost$593Maximum Out-of-Pocket$2,350PlanBlueSelect Silver 1443
CignaMonthly Cost$594Maximum Out-of-Pocket$750PlanConnect Silver 9100 Indiv Med Deductible
UnitedHealthcareMonthly Cost$605Maximum Out-of-Pocket$1,500PlanUHC Silver Copay Focus $0 Indiv Med Ded
Blue Cross Blue ShieldMonthly Cost$610Maximum Out-of-Pocket$2,250PlanmyBlue Silver 2204
UnitedHealthcareMonthly Cost$613Maximum Out-of-Pocket$1,500PlanUHC Silver Advantage+
Blue Cross Blue ShieldMonthly Cost$616Maximum Out-of-Pocket$1,800PlanBlueSelect Silver 2343S
Blue Cross Blue ShieldMonthly Cost$620Maximum Out-of-Pocket$1,800PlanmyBlue Silver 2323S
Blue Cross Blue ShieldMonthly Cost$634Maximum Out-of-Pocket$950PlanBlueSelect Silver 1456
AvMedMonthly Cost$642Maximum Out-of-Pocket$1,800PlanAvMed Entrust Silver Standard
AvMedMonthly Cost$656Maximum Out-of-Pocket$800PlanAvMed Entrust Silver 550
AvMedMonthly Cost$662Maximum Out-of-Pocket$800PlanAvMed Entrust Silver 500
Blue Cross Blue ShieldMonthly Cost$662Maximum Out-of-Pocket$2,350PlanBlueCare Silver 24K01-02
AvMedMonthly Cost$663Maximum Out-of-Pocket$800PlanAvMed Entrust Silver 550 Dental+Vision
AvMedMonthly Cost$669Maximum Out-of-Pocket$800PlanAvMed Entrust Silver 500 Dental+Vision
AvMedMonthly Cost$669Maximum Out-of-Pocket$1,500PlanAvMed Entrust Silver 350
AvMedMonthly Cost$676Maximum Out-of-Pocket$1,500PlanAvMed Entrust Silver 350 Dental+Vision
AvMedMonthly Cost$693Maximum Out-of-Pocket$1,500PlanAvMed Entrust Silver 300
AvMedMonthly Cost$700Maximum Out-of-Pocket$1,500PlanAvMed Entrust Silver 300 Dental+Vision
Blue Cross Blue ShieldMonthly Cost$701Maximum Out-of-Pocket$1,800PlanBlueCare Silver 24K01-32S
Blue Cross Blue ShieldMonthly Cost$729Maximum Out-of-Pocket$950PlanBlueCare Silver 24K01-06
Blue Cross Blue ShieldMonthly Cost$801Maximum Out-of-Pocket$2,350PlanBlueCare Silver 24K02-21
Blue Cross Blue ShieldMonthly Cost$849Maximum Out-of-Pocket$1,800PlanBlueCare Silver 24K02-27S
Blue Cross Blue ShieldMonthly Cost$929Maximum Out-of-Pocket$2,350PlanBlueOptions Silver 24J01-03
Blue Cross Blue ShieldMonthly Cost$966Maximum Out-of-Pocket$1,800PlanBlueOptions Silver 24J01-19S
Blue Cross Blue ShieldMonthly Cost$994Maximum Out-of-Pocket$950PlanBlueOptions Silver 24J01-07
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WHAT IS A COST-SHARING REDUCTION?

Cost-sharing reductions (CSRs) are discounts that lower the amount you pay for deductibles, copayments and co-insurance on Silver plans. To qualify, your income must be between 100% and 250% of the federal poverty level. CSR variations adjust plan expenses.

For example, with the Silver Value 1815 plan from Health First Commercial Plans, Inc., an enrollee eligible for a 94% actuarial value (AV) level CSR has a maximum out-of-pocket cost of $800, whereas another at a 73% AV Level has a higher maximum at $6,800.

Cheapest Health Insurance in Florida by Plan Type

In Florida, the Health Maintenance Organization (HMO) plan type is the favorite among health insurance shoppers. The most affordable HMO plan available is the Silver Value 1815 from Health First Commercial Plans, Inc. at $460 per month.

  • HMO: Silver Value 1815 from Health First Commercial Plans, Inc. ($460)
  • EPO: Silver Elite Saver Plus from Oscar ($507)
  • POS: Gym Access IND Silver POS OA Standard 1440 from Florida Health Care Plans ($550)
  • PPO: BlueOptions Silver 24J01-03 from Blue Cross Blue Shield ($929)

While HMO plans are the most popular in Florida, consumers can also select from EPO, POS and PPO plans. These alternatives boast distinctive advantages, such as the flexibility inherent in EPO plans, which often eliminate the need for referrals to see specialists. PPO plans, on the other hand, typically provide expansive networks and the flexibility to consult with providers outside of the network. POS plans, functioning as a hybrid, combine features from both HMO and PPO plans.

Data filtered by:Results filtered by:
Age:
Age:40
Plan Type:
Plan Type:HMO
Health First Commercial Plans, Inc.Monthly Cost$460Maximum Out-of-Pocket$8,700PlanSilver Value 1815
MolinaMonthly Cost$491Maximum Out-of-Pocket$7,800PlanSilver 9
Blue Cross Blue ShieldMonthly Cost$495Maximum Out-of-Pocket$9,450PlanmyBlue Connected Care Silver 24M03-70
Health First Commercial Plans, Inc.Monthly Cost$499Maximum Out-of-Pocket$8,700PlanSilver Savings 1821
Blue Cross Blue ShieldMonthly Cost$505Maximum Out-of-Pocket$9,450PlanmyBlue Connected Care Silver 24M03-70D
Blue Cross Blue ShieldMonthly Cost$506Maximum Out-of-Pocket$8,000PlanmyBlue Connected Care Silver 2332
Health First Commercial Plans, Inc.Monthly Cost$509Maximum Out-of-Pocket$9,100PlanSilver Standard 1829
Florida Health Care PlansMonthly Cost$509Maximum Out-of-Pocket$9,100PlanGym Access IND Silver HMO OA Standard 1440
Capital HealthMonthly Cost$509Maximum Out-of-Pocket$9,100PlanCapital Health Plan HMO Silver 2300
Health First Commercial Plans, Inc.Monthly Cost$510Maximum Out-of-Pocket$8,700PlanSilver 1806
AetnaMonthly Cost$511Maximum Out-of-Pocket$8,885PlanSilver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$511Maximum Out-of-Pocket$9,100PlanSilver S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
Florida Health Care PlansMonthly Cost$513Maximum Out-of-Pocket$8,450PlanGym Access IND Silver HMO BC 7741
Blue Cross Blue ShieldMonthly Cost$516Maximum Out-of-Pocket$8,000PlanmyBlue Connected Care Silver 2332D
AmbetterMonthly Cost$518Maximum Out-of-Pocket$9,100PlanStandard Silver VALUE
Florida Health Care PlansMonthly Cost$519Maximum Out-of-Pocket$7,500PlanGym Access IND Silver HMO BC 0941
AmbetterMonthly Cost$520Maximum Out-of-Pocket$5,400PlanClear VALUE Silver
Capital HealthMonthly Cost$521Maximum Out-of-Pocket$9,100PlanCapital Health Plan HMO Silver 2100
AetnaMonthly Cost$522Maximum Out-of-Pocket$8,445PlanSilver 6: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
AetnaMonthly Cost$522Maximum Out-of-Pocket$8,845PlanSilver 7: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
Florida Health Care PlansMonthly Cost$522Maximum Out-of-Pocket$8,900PlanGym Access IND Essential Plus Silver HMO 53
MolinaMonthly Cost$523Maximum Out-of-Pocket$9,450PlanSilver 12 with First 4 Primary Care Visits Free
Health First Commercial Plans, Inc.Monthly Cost$523Maximum Out-of-Pocket$8,700PlanSilver Gym Access 1688
MolinaMonthly Cost$525Maximum Out-of-Pocket$7,850PlanSilver 1
MolinaMonthly Cost$529Maximum Out-of-Pocket$7,850PlanSilver 1 with Adult Vision Services
AmbetterMonthly Cost$529Maximum Out-of-Pocket$8,000PlanFocused VALUE Silver
Health First Commercial Plans, Inc.Monthly Cost$532Maximum Out-of-Pocket$9,100PlanSilver Gym Access 1664
AmbetterMonthly Cost$532Maximum Out-of-Pocket$9,100PlanStandard Silver SELECT
MolinaMonthly Cost$534Maximum Out-of-Pocket$9,100PlanSilver 8
Florida Health Care PlansMonthly Cost$540Maximum Out-of-Pocket$7,900PlanGym Access IND Silver HMO OA 1009
AmbetterMonthly Cost$540Maximum Out-of-Pocket$8,500PlanComplete VALUE Silver
Blue Cross Blue ShieldMonthly Cost$542Maximum Out-of-Pocket$9,200PlanmyBlue Silver 24M06-76
AmbetterMonthly Cost$543Maximum Out-of-Pocket$8,000PlanFocused SELECT Silver with Select Providers
AmeriHealthMonthly Cost$545Maximum Out-of-Pocket$9,100PlanAmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals
Blue Cross Blue ShieldMonthly Cost$547Maximum Out-of-Pocket$9,450PlanmyBlue Silver 2237
Blue Cross Blue ShieldMonthly Cost$554Maximum Out-of-Pocket$9,200PlanmyBlue Silver 24M06-76D
Blue Cross Blue ShieldMonthly Cost$558Maximum Out-of-Pocket$9,450PlanmyBlue Silver 2237D
Blue Cross Blue ShieldMonthly Cost$570Maximum Out-of-Pocket$9,300PlanmyBlue Silver 24M02-78
AmbetterMonthly Cost$574Maximum Out-of-Pocket$9,100PlanStandard Ambetter Virtual Access Silver
AmbetterMonthly Cost$574Maximum Out-of-Pocket$7,400PlanAmbetter Virtual Access Silver
UnitedHealthcareMonthly Cost$575Maximum Out-of-Pocket$9,100PlanUHC Silver Standard
Blue Cross Blue ShieldMonthly Cost$576Maximum Out-of-Pocket$7,500PlanmyBlue Silver 2017
Blue Cross Blue ShieldMonthly Cost$577Maximum Out-of-Pocket$9,100PlanmyBlue Silver 2313S
UnitedHealthcareMonthly Cost$580Maximum Out-of-Pocket$9,450PlanUHC Silver Value
UnitedHealthcareMonthly Cost$582Maximum Out-of-Pocket$9,100PlanUHC Silver Virtual First (Disponible en espanol)
AmeriHealthMonthly Cost$582Maximum Out-of-Pocket$9,400PlanAmeriHealth Caritas Next Silver Premier + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals Plan
Blue Cross Blue ShieldMonthly Cost$582Maximum Out-of-Pocket$9,300PlanmyBlue Silver 24M02-78D
UnitedHealthcareMonthly Cost$587Maximum Out-of-Pocket$9,450PlanUHC Silver Advantage
Blue Cross Blue ShieldMonthly Cost$590Maximum Out-of-Pocket$7,500PlanmyBlue Silver 24M06-50
Blue Cross Blue ShieldMonthly Cost$591Maximum Out-of-Pocket$7,700PlanmyBlue Silver 2010
UnitedHealthcareMonthly Cost$605Maximum Out-of-Pocket$9,450PlanUHC Silver Copay Focus $0 Indiv Med Ded
Blue Cross Blue ShieldMonthly Cost$610Maximum Out-of-Pocket$7,800PlanmyBlue Silver 2204
UnitedHealthcareMonthly Cost$613Maximum Out-of-Pocket$9,450PlanUHC Silver Advantage+
Blue Cross Blue ShieldMonthly Cost$620Maximum Out-of-Pocket$9,100PlanmyBlue Silver 2323S
AvMedMonthly Cost$642Maximum Out-of-Pocket$9,100PlanAvMed Entrust Silver Standard
AvMedMonthly Cost$656Maximum Out-of-Pocket$7,500PlanAvMed Entrust Silver 550
AvMedMonthly Cost$662Maximum Out-of-Pocket$7,500PlanAvMed Entrust Silver 500
AvMedMonthly Cost$663Maximum Out-of-Pocket$7,500PlanAvMed Entrust Silver 550 Dental+Vision
AvMedMonthly Cost$669Maximum Out-of-Pocket$7,500PlanAvMed Entrust Silver 500 Dental+Vision
AvMedMonthly Cost$669Maximum Out-of-Pocket$8,000PlanAvMed Entrust Silver 350
AvMedMonthly Cost$676Maximum Out-of-Pocket$8,000PlanAvMed Entrust Silver 350 Dental+Vision
AvMedMonthly Cost$693Maximum Out-of-Pocket$7,650PlanAvMed Entrust Silver 300
AvMedMonthly Cost$700Maximum Out-of-Pocket$7,650PlanAvMed Entrust Silver 300 Dental+Vision
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WHAT'S THE DIFFERENCE BETWEEN PLAN TYPES?

Here are the differences between each plan type:

Health Maintenance Organization (HMO)

  • Pros: HMO plans typically have lower premiums and out-of-pocket costs. They also encourage members to use a primary care provider to coordinate care, which can lead to improved overall health management.
  • Cons: The network of providers is usually limited, and going outside the network for care can result in higher costs. Additionally, a referral is often required to see a specialist, which can be inconvenient.

Exclusive Provider Organization (EPO)

  • Pros: EPO plans offer a moderate level of freedom to choose health care providers within a network without requiring referrals for specialists. These plans sometimes provide a balance between cost and flexibility.
  • Cons: Going outside the network for care is generally only covered for emergencies, which means that patients have fewer choices and must be careful to stay within the network.

Point-of-Service (POS)

  • Pros: POS plans provide a mix of HMO and PPO features, allowing members to pay less if they use doctors, hospitals and other health care providers in the plan's network. Out-of-network care is available but will cost more.
  • Cons: These plans often require a referral from a primary care doctor to see a specialist. Out-of-pocket costs can be higher if you frequently use out-of-network providers.

Preferred Provider Organization (PPO)

  • Pros: PPO plans provide greater flexibility when selecting health care providers. You don't need referrals to see specialists; you can use providers outside of your network, although at a higher cost.
  • Cons: PPOs tend to have higher premiums and out-of-pocket costs compared to HMOs. Without the need for a primary care physician to coordinate care, you may have to manage your own health care more actively.

Cheapest Health Insurance in Florida by County

Health insurance rates and availability of certain plans vary by county in Florida.

Comparing the most affordable plans in the largest and smallest counties by population shows this variation:

  • Miami-Dade: myBlue Connected Care Silver 24M03-70 from Blue Cross Blue Shield ($485)
  • Liberty: myBlue Silver 24M06-76 from Blue Cross Blue Shield ($510)

The following table displays all available plans in each county in Florida.

Data filtered by:Results filtered by:
County:
County:Miami-Dade
Blue Cross Blue ShieldMonthly Cost$485Maximum Out-of-Pocket$9,450PlanmyBlue Connected Care Silver 24M03-70
AmeriHealthMonthly Cost$490Maximum Out-of-Pocket$9,100PlanAmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals

Health Insurance Costs in Florida by Age and Metal Tier

Age affects health insurance prices in Florida. For instance, an 18-year-old with a Silver plan pays $503 each month, while a 60-year-old pays $1,495 for the same type of plan. That's a $992 difference.

Metal tiers show how much coverage a plan gives and how much it costs. A 40-year-old with a Bronze plan pays $520 a month, but if they chose a Gold plan, the cost would be $770. That means the Gold plan costs $250 more each month than the Bronze plan.

Health Insurance Costs in Florida by Age and Metal Tier

What to Know About Health Insurance in Florida

MoneyGeek analyzed all the health insurance options in Florida. We explain private insurance in the marketplace and what the different metal tiers represent. We also cover government programs like Medicaid and Medicare. We do this to help you better understand your choices so you can pick the right health care plan.

Private Health Insurance in the Florida Marketplace

The open enrollment period for health insurance in Florida typically runs from November 1 to December 15 each year. During this time, residents can shop for private health insurance coverage on the federal Health Insurance Marketplace, comparing plans and selecting one that fits their needs. If you miss the deadline, you may have to wait until the next open enrollment unless you qualify for a Special Enrollment Period (SEP). SEPs are triggered by certain life events, such as marriage, childbirth or loss of other coverage, and they allow you to enroll outside of the standard open enrollment period.

Medicaid in Florida

Medicaid is a joint federal and state program providing health care coverage to low-income individuals and families. In Florida, eligibility is based on income, family size, disability, pregnancy and age. Children, pregnant women, parents with dependent children, seniors and individuals with disabilities may qualify if they meet the program's financial requirements. Each state sets its own guidelines within federal parameters, so Florida's Agency for Health Care Administration oversees the specifics of eligibility and enrollment within the state. Regular reviews ensure recipients continue to meet Medicaid's eligibility criteria.

Medicare in Florida

Medicare is a federal health care program primarily for individuals aged 65 or older, though it is also available to younger people with certain disabilities or medical conditions, such as end-stage renal disease, irrespective of income. In Florida, eligibility aligns with these federal guidelines. Medicare consists of several parts: Part A covers hospital insurance, which includes inpatient care, skilled nursing facility care and some home health care services. Part B covers medical insurance for doctor visits, outpatient care and preventive services. Part C, known as Medicare Advantage, offers alternative ways to receive Medicare benefits through private insurance plans. Part D provides prescription drug coverage, helping to lower the costs of medications.

MoneyGeek also evaluated and listed the best Medicare Advantage Plans in Florida and the best Medicare Supplement plans in Florida.

Expert Advice: Finding Affordable Health Insurance in Florida

  1. When can I shop for health insurance on the Florida health insurance exchange?
  2. How do I take advantage of cost-sharing reductions and tax credits for health insurance in Florida?
Patricia Born
Patricia BornProfessor at Florida State University

FAQ About the Most Affordable Florida Health Insurance

When looking for health insurance, you may have questions about cost and availability. MoneyGeek responded to frequently asked questions about cheap private health insurance in Florida to help you learn more.

What are the downsides of a cheap health insurance plan?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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