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Affordable Health Insurance

Looking to enroll in a health insurance plan or simply get insights on Florida’s health insurance landscape?

Breathe easy, because you’ve stumbled upon the perfect spot. Here, we’ve laid out a space for you to explore Marketplace insurance plans, grab a free quote, and start your enrollment process.

Additionally, we’ve illuminated key details: from vital enrollment dates and deadlines, to the best insurance carriers in FL, insights on what you can expect to pay, and more.

To shop and compare the most affordable health insurance options in Florida, click the button below:

Smiling family because of affordable health insurance

1 out of 2 people looking for healthcare coverage pay under $30/month!

Florida Health Insurance Options

The importance of reliable health insurance coverage in Florida cannot be understated. With options that range from short-term health insurance to comprehensive major medical coverage, it’s essential for you to understand and choose the right plan for your needs.

Benefits of a Marketplace Plan (Obamacare)

Marketplace insurance plans, align with the requirements of the Affordable Care Act (ACA), ensuring you receive minimum essential coverage.

With options like ACA-compliant plans and other plans, the Marketplace offers health coverage options tailored for Florida residents.

FL Open Enrollment and Financial Savings

The annual open enrollment period is a specific time when you can sign up for healthcare coverage. The dates change each year, but have always started on November 1st.

Man checking the open enrollment dates

Enrollment Periods for 2024 Coverage

Open Enrollment Period: November 1st – January 15th

Special Enrollment Period: January 16th – October 31st

If you miss Open Enrollment, you might have to wait til next year unless you qualify due to certain Qualifying Life Events (QLE).

Let’s look at a few QLE examples:

  • Getting married, having a baby, or adopting a child
  • Losing your healthcare coverage from:
  • your employer, a divorce, or legal separation
  • Moving to a new county or ZIP code
  • Plus more! See the complete list.

On average, people are paying
$78/month in Florida. [1]

Financial Assistance (Affordable Care Act)

  • Premium Tax Credits or Premium Subsidies: Financial payments to you in the form of a tax credit are available for those who qualify based on household income and family size, making it easier to find affordable health insurance. In effect, premium subsidies decrease the monthly amount you pay for your health care coverage.
  • Cost-Sharing Reductions: Offers savings on out-of-pocket costs, like doctor visits or prescriptions on Silver plans found in the Marketplace.

Shop the Marketplace and discover how you can benefit from financial assistance options! Everyone deserves to be able to find affordable health insurance.

To shop, compare plans and see how much financial savings you qualify for in Florida

Essential Health Benefits & Affordable Care Act

Every insurance plan under the Affordable Care Act offers essential health benefits such as hospital visits, prescription drugs, preventive care, x-rays, and doctor office visits.

  • Affordable Care Act plans ensure that no one is denied insurance based on preexisting conditions.

Exploring Health Coverage Options in Florida

  • Health Plans with Essential Health Benefits: All-inclusive plans covering doctor visits, prescription drugs, hospital visits, and other critical services. Plus, regardless of your preexisting conditions, you can secure coverage through the Marketplace.
  • Short-Term Plans: These short-term health insurance plans generally have limited benefits and limited coverage since they typically do not cover preexisting conditions. As the name implies, short-term health insurance offers coverage for shorter periods, typically less than 12 months, and often has lower premiums.
  • Major Medical Plans: Comprehensive plans covering a range of health services. It’s your traditional health coverage offering maximum protection. Typically, offered through your employer.

Additional Coverage Options

  • Dental insurance: Helps offset the costs of oral care procedures and check-ups.
  • Vision Insurance: Crucial for those requiring regular eye check-ups or have vision issues.
  • Accident Insurance: Provides cash benefits in the case of an accident, helping cover unforeseen costs.
  • Critical Illness: Offers financial benefits if you’re doctor diagnoses you with a specified illness.

Choosing the Right Health Insurance Company

  • Blue Cross Blue Shield of Florida, United Healthcare, formerly known as Golden Rule Insurance Company, and other insurance companies provide a variety of ACA-Compliant plan(s). Be sure to shop plans efficiently and effectively by consulting an insurance agency for guidance.
  • Always look into the fine print like deductibles, coverage limitations, waiting periods, exclusions, and the complete details that can be found in the summary of benefits.

Affordable Health Plans from:

Aetna CVS Health

Ambetter from Sunshine Health

AmeriHealth Caritas Next

AvMed, Inc.

Capital Health Plan

Cigna Health and Life Insurance Company

Florida Blue (BlueCross BlueShield FL)

Florida Blue HMO (a BlueCross BlueShield FL company)

Florida Health Care Plans

Health First

Molina Marketplace

Oscar Insurance Company of Florida


Affordable Dental Plans from:

BEST Life and Health Insurance Company

Cigna Health and Life Insurance Company

Delta Dental Insurance Company

DentaQuest of Florida, Inc.

Dentegra Insurance Company

Educators Health Plans Life, Accident, and Health, Inc

Florida Combined Life Insurance Company

Guardian Life Insurance Company of America

Humana Insurance Company

Renaissance Life & Health Insurance Company of America

Solstice Benefits, Inc.

Join The Zero-Premium Club

82% of Florida Healthcare.gov enrollees
had access to $0 premium health plans. [2]

Zero premiums mean zero stress.
Find out if you can get zero/low-cost health insurance.

The Role of an Insurance Agent

A licensed insurance agent isn’t just about selling. They guide, educate, and ensure that every individual finds the health plan aligning with their needs, be it from the major medical coverage options or specific plans like dental or vision insurance.

Your Health Care Plans, Our Priority

Health is priceless. Whether you’re exploring health insurance, seeking options, or just need information about enrolling, our commitment is to provide clarity, options, and unwavering support.

For more insights, tips, and details on health plans, deductibles, benefits, and more, continue exploring our website or reach out to our expert team.

FAQ: Florida Health Insurance

How Much is Health Insurance in Florida Per Month?

The monthly cost of health insurance coverage in Florida varies based on factors such as the type of plan, age, location, and health status. On average, residents can expect to pay anywhere from $300 to $600 per individual. Financial assistance or premium subsidies decrease the monthly amount you pay for your coverage. For a quick estimate of your financial savings, consider visiting marketplaceamerica.org.


The average cost of health insurance in Florida per month in 2023 is $467 per person for a major medical individual health insurance plan. However, the actual cost can vary widely depending on your age, gender, health status, location, and the type of plan you choose.


For example, a 21-year-old in good health may be able to find a plan for as little as $200 per month, while a 60-year-old with chronic health conditions may pay over $1,000 per month.


Here is a breakdown of the average monthly premium for different age groups in Florida in 2023:


Age group

Average monthly premium













What Health Insurance Companies Are in Florida?

Florida hosts several insurance providers. Notable companies include Blue Cross Blue Shield of Florida, Aetna, Cigna, Humana, and United Healthcare, formerly known as Golden Rule Insurance Company. It’s always a good idea to shop around and compare policies before making a decision. For a complete list and plan comparisons, check out marketplaceamerica.org.

Does Florida Offer State Health Insurance?

Yes, Florida offers state-sponsored insurance plans through programs such as Medicaid and the Florida Children’s Health Insurance Program (CHIP). Eligibility for these programs is determined by income, family size, and other criteria. You can also explore additional options on marketplaceamerica.org.

Is Blue Cross Blue Shield of Florida Good Insurance?

Blue Cross Blue Shield of Florida is one of the leading insurance providers in the state and is highly regarded for its comprehensive coverage options and network of healthcare providers. As with any insurer, customer satisfaction can vary, so it’s essential to read reviews and compare plans.

What is the Best Healthcare in Miami-Dade and Broward Counties?

There are many factors to consider when determining the “best” healthcare, including individual needs, location, and insurance coverage. However, some of the most highly rated hospitals in Miami-Dade and Broward Counties include:

  • Baptist Health South Florida
  • Cleveland Clinic Weston
  • University of Miami Hospital and Clinics
  • Memorial Hospital West
  • Mount Sinai Medical Center

What is Considered Low Income in Florida?

The definition of low income in Florida varies depending on the context. However, according to the U.S. Department of Housing and Urban Development (HUD), low income is defined as a household income that is less than 80% of the area median income. The median income is the midpoint of the income distribution, meaning that half of the households in an area earn more than the median and half earn less.

According to HUD, the median income for a household of four in Florida is $74,148. This means that a household of four with an income of less than $59,318 would be considered low income.

However, there are other factors that can also be considered when defining low income, such as the cost of living in a particular area. For example, the cost of living in Miami is significantly higher than the cost of living in rural Florida. As a result, a household of four with an income of $59,318 may be considered low income in Miami, but not in rural Florida.

Is There Free Health Care coverage in Florida?

While Florida doesn’t offer entirely free healthcare, there are state-sponsored programs like Medicaid and CHIP that provide healthcare at reduced or no cost for eligible individuals and families based on income and other criteria.

What is the Maximum Income to Qualify for Medicaid in FL?

The maximum income to qualify for Medicaid in Florida depends on your family size and the type of Medicaid program you are applying for.

Regular Medicaid

For Regular Medicaid, the maximum income limits for 2023 are as follows:

Family size | Maximum monthly income *—|—|

  • 1 | $2,742
  • 2 | $3,716
  • 3 | $4,690
  • 4 | $5,664
  • 5 | $6,638
  • For each additional person, add $974

Medicaid Waivers

Medicaid Waivers are programs that provide Medicaid coverage to people with disabilities who would otherwise be in institutions. The income limits for Medicaid Waivers vary depending on the specific program.

For example, the income limit for the Home and Community-based Services (HCS) Waiver is $74,148 for a family of four.

What is the Cheapest Health Insurance in Florida?

The cheapest health insurance plans will depend on individual factors such as age and plan type. It’s advisable to shop around, compare quotes, and consider both monthly premiums and out-of-pocket expenses when determining cost.

How to Get Free Health Insurance in Florida?

Eligible residents can apply for free or reduced-cost medical insurance through state programs like Medicaid or CHIP. To determine eligibility, one can consult with the Florida Department of Health and Human Services. Additionally, depending upon your household income you may be able to secure Marketplace coverage at no cost utilizing premium subsidies and/or tax credit. Check marketplaceamerica.org to see how much savings you are entitled to.

Self-employed Health Insurance in Florida?

Self-employed individuals can purchase major medical insurance through the Marketplace. There might be specific plans tailored to the self-employed, offering flexibility and coverage suitable for entrepreneurs. You can explore individual plans suited for you on marketplaceamerica.org.


What Does Health Insurance in Florida Cost?

The cost of health insurance varies. Factors influencing price include:

  • Age
  • Location
  • Health status
  • Type of plan
  • Level of coverage
  • Deductible
  • Copayments
  • Out-of-pocket maximums

To get an accurate estimate of how much health insurance will cost you, it’s important to compare quotes from multiple providers. You can do this through the Health Insurance Marketplace or by working with a licensed insurance agent.

What is the Health Insurance Marketplace?

The health insurance marketplace, also known as the exchange, is an online platform where individuals, families, and small businesses can compare and purchase health insurance plans. It provides a centralized location to find information about different insurance options, check eligibility for cost assistance, and enroll in a plan that suits your needs. The marketplace is accessible through Healthcare.gov in most states, while some states operate their own exchanges.

Need health insurance?

Call our Marketplace Call Center for free assistance* from licensed health agents.

Get a free health insurance quote today!

*Agents may be compensated based on enrollment in your health plan by the insurance company.