Most Affordable Health Insurance in Florida


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Key Takeaways

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Health First Commercial Plans offers Florida's most affordable health insurance with an average monthly savings of $228 compared to the state average.

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Florida Health Care Plans offers the best full coverage (platinum) plans with rates starting as low as $464 per month.

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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 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.

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:
Select
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.

AlachuaBlue Cross Blue Shield$475myBlue Silver 24M06-76
BakerBlue Cross Blue Shield$475myBlue Silver 24M06-76
BayBlue Cross Blue Shield$475myBlue Silver 24M06-76
BradfordBlue Cross Blue Shield$475myBlue Silver 24M06-76
BrevardHealth First Commercial Plans, Inc.$460Silver Value 1815
BrowardBlue Cross Blue Shield$465myBlue Connected Care Silver 24M03-70
CalhounAmbetter$449Standard Ambetter Virtual Access Silver
CharlotteAetna$465Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
CitrusBlue Cross Blue Shield$475myBlue Silver 24M06-76
ClayMolina$458Silver 12 with First 4 Primary Care Visits Free
CollierBlue Cross Blue Shield$489myBlue Silver 24M02-78
ColumbiaAmbetter$449Standard Ambetter Virtual Access Silver
DesotoAetna$465Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
DixieBlue Cross Blue Shield$475myBlue Silver 24M06-76
DuvalAmbetter$443Standard Silver VALUE
EscambiaUnitedHealthcare$505UHC Silver Standard
FlaglerHealth First Commercial Plans, Inc.$486Silver Savings 1821
FranklinBlue Cross Blue Shield$475myBlue Silver 24M06-76
GadsdenCapital Health$452Capital Health Plan HMO Silver 2300
GilchristBlue Cross Blue Shield$475myBlue Silver 24M06-76
GladesUnitedHealthcare$505UHC Silver Standard
HardeeAetna$465Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
HendryUnitedHealthcare$505UHC Silver Standard
HernandoAetna$465Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
HighlandsBlue Cross Blue Shield$475myBlue Silver 24M06-76
HillsboroughAetna$465Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
HolmesBlue Cross Blue Shield$475myBlue Silver 24M06-76
Indian RiverAetna$465Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
JacksonBlue Cross Blue Shield$475myBlue Silver 24M06-76
JeffersonCapital Health$452Capital Health Plan HMO Silver 2300
LafayetteAmbetter$449Standard Ambetter Virtual Access Silver
LakeHealth First Commercial Plans, Inc.$486Silver Savings 1821
LeeBlue Cross Blue Shield$489myBlue Silver 24M02-78
LeonAmbetter$449Standard Ambetter Virtual Access Silver
LevyBlue Cross Blue Shield$475myBlue Silver 24M06-76
LibertyBlue Cross Blue Shield$475myBlue Silver 24M06-76
MadisonBlue Cross Blue Shield$475myBlue Silver 24M06-76
ManateeAmbetter$449Standard Ambetter Virtual Access Silver
MarionAmbetter$449Standard Ambetter Virtual Access Silver
MartinBlue Cross Blue Shield$475myBlue Silver 24M06-76
Miami-DadeBlue Cross Blue Shield$465myBlue Connected Care Silver 24M03-70
NassauAmbetter$449Standard Ambetter Virtual Access Silver
OkaloosaBlue Cross Blue Shield$475myBlue Silver 24M06-76
OkeechobeeBlue Cross Blue Shield$475myBlue Silver 24M06-76
OrangeHealth First Commercial Plans, Inc.$486Silver Savings 1821
OsceolaAmbetter$443Standard Silver VALUE
Palm BeachBlue Cross Blue Shield$465myBlue Connected Care Silver 24M03-70
PascoAetna$465Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
PinellasAetna$465Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
PolkHealth First Commercial Plans, Inc.$486Silver Savings 1821
PutnamBlue Cross Blue Shield$475myBlue Silver 24M06-76
Santa RosaUnitedHealthcare$505UHC Silver Standard
SarasotaAmbetter$449Standard Ambetter Virtual Access Silver
SeminoleHealth First Commercial Plans, Inc.$486Silver Savings 1821
St. JohnsFlorida Health Care Plans$474Gym Access IND Silver HMO OA Standard 1440
St. LucieAetna$465Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7
SumterAmbetter$449Standard Ambetter Virtual Access Silver
SuwanneeBlue Cross Blue Shield$475myBlue Silver 24M06-76
TaylorBlue Cross Blue Shield$475myBlue Silver 24M06-76
UnionBlue Cross Blue Shield$475myBlue Silver 24M06-76
VolusiaHealth First Commercial Plans, Inc.$486Silver Savings 1821
WakullaCapital Health$452Capital Health Plan HMO Silver 2300
WaltonBlue Cross Blue Shield$475myBlue Silver 24M06-76
WashingtonAmbetter$449Standard Ambetter Virtual Access Silver

How to Find the Cheapest Health Insurance in Florida

Follow these steps to find affordable health insurance in Florida:

  1. 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. 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. 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. 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. 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.

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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?

What are the downsides of a cheap health insurance plan?

Do I qualify for subsidies on health insurance in Florida?

When can I enroll in health insurance in Florida?

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


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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.


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