Best Cheap Health Insurance in Florida for 2025
Florida Blue has the best health insurance in Florida for most people. The company's cheapest Silver plan costs $495 per month before discounts.
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Best cheap health insurance in Florida
Aetna will exit the Florida health marketplace in 2026. Existing Aetna customers will have to get new coverage during the open enrollment period (Nov. 1 to Jan. 15).
If you currently have an Aetna policy, consider switching to Florida Blue for quality coverage. Ambetter is the best option if you want the cheapest rates in Florida.
Who has the cheapest health insurance in Florida?
The cheapest health insurance plans in Florida are from Ambetter, Capital Health Plan and Health First, with Silver plans starting at $451 per month before discounts.
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Affordable health insurance in Florida
Company |
Cost
| |
|---|---|---|
| Ambetter | $451 - $1,061 |
| Capital Health Plan | $457 - $664 |
| Health First Commercial Plans | $464 - $595 |
| Molina | $475 - $770 |
- Ambetter has the cheapest medical insurance for about half of the people in Florida, with rates starting at $451 per month if you pay full price. And Ambetter has the most affordable health coverage in several large cities like Jacksonville, Tampa and Orlando.
- The best affordable health insurance in Florida is from Capital Health Plan and Florida Health Care Plans. These companies give you a balance of cheap rates for high-quality coverage.
- The cheapest health insurance plan for you will depend on the plans offered in your county. For example, Florida Blue has the most affordable health insurance in Miami-Dade County, but Cigna has the cheapest rates in Port St. Lucie.
Best health insurance companies in Florida
Florida Blue is the best overall health insurance company in Florida, with Silver plans for individuals starting at $495 per month.
Florida Blue has a perfect 5-star rating from HealthCare.gov for member experience. The three Blue Cross brands — Capital Health Plan, Florida Health Care Plans and Florida Blue — give you high-quality coverage and a wide variety of plans. Where you live will determine which Blue Cross brands are available.
All together, Blue Cross Blue Shield is the most popular medical insurance in the state and provides nearly half of all of Florida's plans. This means you'll usually have a wide selection of doctors and hospitals you can use.
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Best-rated health insurance companies in Florida
Company |
Editor rating
|
ACA rating
|
|---|---|---|
| Capital Health Plan | 4.0 | |
| Florida Health Care Plans | 4.0 | |
| Aetna | NA | |
| Health First Commercial Plans | 3.0 | |
| UnitedHealthcare | 2.0 |
Capital Health Plan and Florida Health Care Plans are the best quality plans in Florida, receiving four out of five stars from both ValuePenguin editors and HealthCare.gov.
They also stand out as providing the highest-quality medical care in the state. This makes them a top choice if they're offered in your area.
The downside is they're not widely available.
- Capital Health Plan is only offered in nine counties in Florida's panhandle.
- Florida Health Care Plans are only available in five counties in the coastal region between Jacksonville and Orlando.
Why is Florida Blue the best health insurance for most people?
Florida Blue has high-quality health insurance plans, good customer satisfaction, a variety of plan types and availability across all of Florida's counties. Silver plans from Florida Blue start at $495 per month.
-
High customer satisfaction: Florida Blue's HMO plans got a perfect score from a member survey done by HealthCare.gov. Plus, Florida Blue gets much fewer complaints than average, so you're not likely to have problems when filing claims.
- Options for flexible coverage: Florida Blue is the only company selling PPO plans in Florida. These plans give you some coverage for any doctor in the country, and you can see a specialist without a referral. But PPOs cost more than HMOs, which offer less freedom.
- Rates vary: Where you live will determine if Florida Blue is a good deal. Florida Blue has the cheapest rates for about a quarter of people in Florida. The company charges $495 per month for its most affordable Silver health plan. That's 23% cheaper than the Florida state average. But Florida Blue's rates are high in some parts of the state, including Orlando, Fort Lauderdale and Daytona Beach.
How much does health insurance cost in Florida?
Florida health insurance costs an average of $647 per month if you pay full price or $49 per month if you qualify for subsidies.
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- Platinum and Gold plans are expensive, but they cover a large portion of the bill when you visit the doctor or get a prescription filled.
- Silver health plans have affordable rates and middle-of-the-road costs when you get medical care. Bronze and Catastrophic plans have cheap monthly rates and high costs when you go to the doctor.
- Your age has a big impact on your medical insurance costs. A 60-year-old in Florida will pay more than twice as much as a 40-year-old for the same level of health coverage, on average.
Get affordable health insurance in Florida
Health insurance in Florida costs $49 per month on average if you qualify for discounts because of your income.
- Most people can get discounts: Roughly 97% of people in Florida who shop for health insurance through HealthCare.gov qualify for discounts, called subsidies or premium tax credits.
- Health insurance can be affordable: About half of all shoppers pay less than $10 per month for Obamacare plans in Florida. In 2025, the average rate is $49 per month. This means health insurance in Florida costs about half as much as it did before the Inflation Reduction Act was passed in 2022.
- Eligibility is based on income: To qualify for subsidies as a single person, you need to earn between $15,606 and $60,240 per year. A family of four needs a household income ranging from $31,200 to $124,800 per year. If you earn above this amount, you may still qualify for subsidies if you pay more than 8.5% of your household income on health insurance.
Bronze, Silver, Gold and Platinum plans are all eligible for discounts, but Catastrophic plans are not.
Cheap Florida health insurance by city
Florida Blue has the cheapest individual health insurance plans in Miami, at $515 per month on average.
Ambetter has the most affordable health plans in Orlando and Tampa. Ambetter plans start at $485 per month in Orlando and $522 per month in Tampa.
Cheapest health insurance plans by FL county
County | Cheapest plan | Monthly rates |
|---|---|---|
| Alachua | Ambetter Health Standard Silver | $558 |
| Baker | Molina Healthcare Silver | $561 |
| Bay | Ambetter Health Standard Silver | $503 |
| Bradford | Molina Healthcare Silver | $556 |
| Brevard | Ambetter Health Standard Silver | $462 |
Cheapest Silver plan with rates for a 40-year-old
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Ambetter has the most affordable Silver health plans for over half the people in Florida. Ambetter is the best choice for cheap health insurance in roughly three out of five Florida counties including Duval, Hillsborough and Orange.
Best health insurance by level of coverage
You can choose from five different plan tiers when shopping for health insurance in Florida: Catastrophic, Bronze, Silver, Gold and Platinum.
The best plan tier for you will depend on the amount of medical services you need, your savings and whether you qualify for income-based discounts.
Platinum plans: Best for expensive medical issues
| Platinum plans pay for about 90% of your medical care. |
Platinum health plans in Florida cost $1,114 per month on average with a $223 deductible.
Consider a platinum health insurance plans if you need expensive medical care. These plans have the highest monthly rates. However, you'll pay very little when you go to the doctor or get a prescription filled.
Gold plans: Best for people who have ongoing medical problems
| Gold plans pay for about 80% of your medical care. |
Gold plans in Florida cost $743 per month with a $1,026 annual deductible on average.
Gold plans are a good choice for people who need frequent medical care. That's because you pay less when you visit the doctor. For example, Gold plans typically have lower deductibles, copays and coinsurance than Silver and Bronze plans.
Silver plans: Best for most people
| Silver plans pay for about 70% of your medical care. |
In Florida, the average Silver health plan costs $647 per month and has a $4,726 deductible.
Silver plans offer a good balance between affordable monthly rates and moderate costs you pay when you get medical care.
Silver health plans are a good choice if you're in good health and want to avoid large, unexpected medical costs. That's because plans typically have affordable monthly rates and average costs that you're responsible for paying when you visit the doctor.
Bronze plans: Best if you're young and healthy
| Bronze plans pay for about 60% of your medical care. |
In Florida, Bronze plans cost $550 per month and have a $4,228 deductible on average.
Bronze plans are a good choice for Florida residents in good health who need cheap health insurance. Bronze plans typically have cheaper monthly rates than more expensive plan tiers. However, you're responsible for a much higher portion of your medical bill when you go to the doctor for services other than preventive care, like an annual check-up or vaccines.
Catastrophic plans: Best for preventing financial disasters
Catastrophic plans are only available if you're younger than 30 or you get a special hardship exemption. A Catastrophic plan might make sense if you're in good health and can afford a large, unexpected medical bill.
Catastrophic plans are generally a bad deal. That's because most coverage won't kick in until you pay the very high deductible.
Catastrophic plans aren't eligible for discounts.
That means Catastrophic plans often cost more than Bronze and Silver plans if you earn a low income.
Cheap and free health insurance options for Florida residents who earn low incomes
You may qualify for free health insurance through the government, called Medicaid, if you earn a low income and meet other program requirements.
If you earn a low income but aren't eligible for Medicaid, you may be able to get extra discounts when you get medical care with a Silver health plan.
Medicaid in Florida
You may be able to get free government medical insurance, called Medicaid, if you earn a low income and you are:
- Pregnant
- 65 or older
- Blind or disabled
- A parent or caretaker to a child 18 or younger
- In a household with a disabled family member
Florida is one of the 10 states that does not have expanded Medicaid. That means you can't enroll in Medicaid in Florida unless you meet a second requirement in addition to making a low income.
Use cost-sharing reductions to save on medical care
| Silver plans will pay 73% to 94% of your medical costs if you have a low income. |
You may qualify for financial help, called cost-sharing reductions, with your medical bills if you have a Silver health plan and earn between $15,060 and $37,650 as a single person or $31,200 and $78,000 as a family of four.
Only Silver health plans are eligible for cost-sharing reductions (CSRs).
Cost-sharing reductions pay for some of the costs you're responsible for when you visit the doctor or fill a prescription, such as your deductible, copay and coinsurance.
Are health insurance rates going up in FL?
Health insurance rates increased by 9% on average from 2024 to 2025 in Florida.
Rate changes differ by plan tier. For example, Catastrophic plans rose by 19% year over year. On the other hand, Silver and Platinum plans rose by only 6%, on average. Rates are expected to increase even more in 2026.
Catastrophic
Bronze
Silver
Gold
Platinum
Year | Cost | Change |
|---|---|---|
| 2022 | $312 | - |
| 2023 | $330 | 6% |
| 2024 | $313 | -5% |
| 2025 | $373 | 19% |
Monthly costs are for a 40-year-old.
Catastrophic
Year | Cost | Change |
|---|---|---|
| 2022 | $312 | - |
| 2023 | $330 | 6% |
| 2024 | $313 | -5% |
| 2025 | $373 | 19% |
Monthly costs are for a 40-year-old.
Bronze
Year | Cost | Change |
|---|---|---|
| 2022 | $436 | - |
| 2023 | $480 | 10% |
| 2024 | $510 | 6% |
| 2025 | $550 | 8% |
Monthly costs are for a 40-year-old.
Silver
Year | Cost | Change |
|---|---|---|
| 2022 | $585 | - |
| 2023 | $599 | 2% |
| 2024 | $613 | 2% |
| 2025 | $647 | 6% |
Monthly costs are for a 40-year-old.
Gold
Year | Cost | Change |
|---|---|---|
| 2022 | $655 | - |
| 2023 | $652 | 0% |
| 2024 | $667 | 2% |
| 2025 | $743 | 11% |
Monthly costs are for a 40-year-old.
Platinum
Year | Cost | Change |
|---|---|---|
| 2022 | $901 | - |
| 2023 | $964 | 7% |
| 2024 | $1,047 | 9% |
| 2025 | $1,114 | 6% |
Monthly costs are for a 40-year-old.
Keep in mind that your rates will depend on factors like where you live and the company you choose. You can find cheaper plans by comparing health insurance quotes.
Why is health insurance expensive in FL in 2026?
Health insurance rates are expected to increase in 2026 because of higher health care and medication costs and possible changes to discounts.
Health insurance companies have to request permission before they raise their rates. Health insurance companies in Florida are requesting a 27% increase in rates, on average.
The rising cost of healthcare is the biggest reason for higher rates. That includes the cost of prescription medications, including expensive GLP-1 medications like Ozempic and Wegovy.
Another big reason the cost of medical insurance will likely increase in 2026 is changes to rate discounts, called subsidies. Since 2021, "enhanced" subsidies have been in place that gave people higher discounts. Those extra discounts are set to expire at the end of the year, unless Congress acts to extend them, which means you'll pay more even if you get discounts.
How to prepare for rate increases in 2026
- Shop around. Every company charges different rates. Shopping around and comparing health insurance quotes during open enrollment can help you find the coverage you need at a lower price.
- Consider a lower-tier plan. Going from a higher-tier plan, like Gold or Platinum, down to a Silver or Bronze plan can save you money each month. It's not an ideal option because it means you'll pay more for medical care, but it can lower your monthly rate if you have no other option. Plus, you can now get an HSA with Bronze plans, and that could help you save for medical costs.
- Check if you get discounts. Even if the enhanced discounts expire, you might still be able to save based on your income. Always check to see if you get subsidies that could make your plan cheaper.
- See if you can get on Medicaid. It's difficult to get Medicaid in Florida because the state hasn't expanded its program. But if you have a low income, it's still a good idea to check because Medicaid is usually free or very cheap each month.
Obamacare in Florida
Florida health insurance plans sold through HealthCare.gov have to offer 10 "essential" types of coverage. These include:
- Hospital care
- Outpatient care
- Emergency care
- Laboratory services
- Coverage for babies
- Prescription drug coverage
- Preventive and wellness care
- Rehabilitation services and devices
- Care for pregnant women and newborns
- Mental health and substance use disorders
All plan tiers have to cover these ten benefits by law.
Average cost of health insurance by family size in Florida
How much you pay for health insurance depends on the size of your family. You'll pay an average of $387 for each child under the age of 18 in your household in Florida. A family of four with two 40-year-olds and two children will pay $2,069 per month for health insurance before discounts, on average.
Family size | Average monthly cost |
|---|---|
| Individual | $647 |
| Individual + Child | $1,034 |
| Couple, age 40 | $1,294 |
| Family of three | $1,681 |
| Family of four | $2,069 |
Averages based on a Silver plan for 40-year-old adults and children who are under age 15.
Short-term health insurance in Florida
In January 2025, the Trump administration rolled back a new rule that would limit the length of a short-term health plan to three months. Although there isn't a publicly available timeline for when this change will happen, short-term health insurance could be available in Florida for up to 364 days sometime in the coming year.
A short-term health plan can make sense if you only need coverage for a few weeks or months. However, these policies are generally bad choices because they offer worse coverage than marketplace health insurance.
Pros of short-term health insurance in FL
Cons of short-term health insurance in FL
Frequently asked questions
What is the best health insurance company in Florida?
Florida Blue has the best cheap health insurance in Florida, at $495 per month before discounts. Florida Blue has high-quality health plans and good customer service.
Keep in mind that the cheapest health plan for you will depend on things like where you live, how much you earn and what plan tier you buy.
How do I get good affordable health insurance in Florida?
The best way to find affordable health insurance in Florida is to compare health insurance quotes. It's also a good idea to pick the right level of coverage for you and to see what discounts you qualify for.
What is the average monthly cost of health insurance in Florida?
In Florida, health insurance costs $49 per month on average if you qualify for discounts based on your income. Roughly 97% of Floridians who shop for health insurance on HealthCare.gov get a discount, and about half of those shoppers pay less than $10 per month for coverage.
Full-price Silver health plans cost $647 per month on average. Savings are on a sliding scale so your costs will change based on your income.
Is $200 a month expensive for health insurance in Florida?
No, $200 per month for health insurance is cheap. Silver plans in Florida usually cost $647 per month for a 40-year-old. Even younger people pay higher rates. For example, a 21-year-old in Florida pays $506 per month, on average, for a Silver plan. You might be able to get a plan for $200 or less if you can get discounts.
Is Florida Blue the same as Blue Cross Blue Shield of Florida?
Yes, Florida Blue is the same as Blue Cross Blue Shield of Florida (BCBS of FL). BCBS is made up of smaller insurance companies, some of which — like Florida Blue — don't have Blue Cross Blue Shield in their names. If you buy a Florida Blue policy, you have BCBS coverage.
Methodology
Florida health insurance rate data for 2025 is from the Centers for Medicare & Medicaid Services (CMS) website. ValuePenguin used the CMS public use files (PUFs) to find average rates across different plan tiers and age groups.
Average rates are for a 40-year-old with a Silver plan. Other sources include S&P Global Capital IQ and the NAIC (National Association of Insurance Commissioners).
Data about health insurance rate increase requests is from the Peterson-KFF Health System Tracker.
Talon Abernathy
Senior Writer
Talon Abernathy is a ValuePenguin Senior Writer who specializes in health insurance, Medicare and Medicaid. He's also contributed to other insurance verticals including home, renters, auto, motorcycle and flood insurance.
Talon came to ValuePenguin in 2023. Since his arrival, he's helped to expand the site's health insurance-related content offerings. He enjoys helping readers understand the ins and outs of America's all too complicated health insurance landscape.
Before coming to ValuePenguin, Talon worked as a freelance writer. His prior work has touched on a broad range of personal finance-related topics including credit-building strategies, small business incorporation tactics and creative ways to save for retirement.
Insurance tip
In many parts of the country, you can qualify for a free Silver health insurance plan if you meet certain income requirements. Government subsidies in the form of premium tax credits and cost-sharing reductions may mean you'll pay nothing for coverage.
Expertise
- Health insurance
- Medicare and Medicaid
- Flood insurance
- Homeowners insurance
- Renters insurance
- Auto and motorcycle insurance
Referenced by
- The Miami Herald
- Money.com
- MSN
- Nasdaq
- The Sacramento Bee
- Yahoo! Finance
Education
- BA, University of Washington
- Certificate in Copyediting, UC San Diego
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
