Best Cheap Health Insurance in Florida for 2024

Ambetter Standard Silver plan is the best cheap health insurance in Florida, with rates as low as $440 per month.

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Ambetter also has the cheapest Bronze and Gold plans in Florida. The Ambetter Standard Gold plan is cheaper on average than a Silver plan and gives you more coverage. Ambetter's Standard Silver plan is the cheapest option in many of Florida's biggest cities, including Jacksonville, Tampa and Orlando. But if you live in Miami, AmeriHealth Caritas Next has the cheapest Silver plan.

Health insurance costs an average of $613 per month in Florida, for a 40-year-old with a Silver plan.

Aetna and UnitedHealthcare (UHC) are the best health insurance companies in FL. Both companies get a rating of 4 out of 5 stars from ValuePenguin's editors. Those ratings are based on rates, plan quality and customer satisfaction.

How much does health insurance cost in Florida?

A Silver plan, which is a good choice for most people with typical medical needs, costs an average of $613 per month in Florida for a 40-year-old.

The level of coverage you choose has one of the biggest impacts on the cost of your health insurance. Plans tiers that give you more coverage, like Gold and Platinum, are usually more expensive. Plans with less coverage, like Catastrophic and Bronze, are cheaper.

Average cost of Florida health insurance by age and plan tier

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Age affects health insurance rates in Florida, too. The older you are, the more you'll pay each month. That's because older people are more likely to have health concerns, which leads to health insurance companies paying more claims.

Cheapest health insurance in Florida

The Standard Silver plan from Ambetter is the cheapest Silver health insurance option in FL. It can cost as little as $440 per month. And it might even be cheaper if you qualify for subsidies. Ambetter is also the cheapest option for Bronze and Gold plans.

Cheapest plan
Monthly cost
Catastrophic Health First Catastrophic $231
Bronze Ambetter Standard Expanded Bronze $348
Silver Ambetter Standard Silver $440
Gold Ambetter Standard Gold $413
Platinum Florida Health Care Gym Access Platinum 5841 $691

Monthly costs are for a 40-year-old.

You can buy Florida health insurance on between Nov. 1 and Jan. 15 each year. This is called health insurance open enrollment, and it's when most people choose to continue their current plan or switch to a new plan.

You might qualify for a special enrollment period if you've recently moved, had a baby, gotten married, lost health coverage from your job or had any other qualifying life change. This lets you sign up for health insurance outside of the Nov. 1 to Jan. 15 time period.

Finding your best health insurance coverage in Florida

To pick the best health insurance plan in Florida, think about your monthly health insurance budget and how much medical care you need.

Plans with more coverage, like Gold and Platinum plans, cost more each month but also pay for more of your medical bills. The opposite is also true: Plans with less coverage have lower monthly rates but pay for less of your health care.

Gold and Platinum plans: Best if you need expensive medical care

A Gold or Platinum plan is best if you expect to have high medical costs. For example, you might want a Gold plan if you need surgery, have a chronic illness or are pregnant. These plans can be expensive, but they could save you money overall if you need expensive tests, treatments or medications. That's because Gold and Platinum plans usually have the lowest deductibles, coinsurance levels and copays.

Silver plans: Best for most people

Silver plans are a good option for most people because they offer a balance between affordability and good coverage. They cost more than Bronze plans, but you won't have to pay as much when you go to the doctor. Silver plans have moderate health insurance deductibles, coinsurance and copays.

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Silver plans are the only plans eligible for discounts that reduce your copays, coinsurance and deductibles. These are called cost-sharing reductions. Eligibility is based on income. You can make up to about $36,000 as a single person or about $75,000 as a family of four and still qualify. Cost-sharing reductions can help you get a Silver plan with coverage that is almost as good or better than a Gold plan.

Bronze and Catastrophic plans: Best if you're young and healthy

Bronze and Catastrophic plans can be good if you don't need to use your health insurance often. You should also have enough savings to pay for several thousand dollars of medical care if you have a serious injury or illness.

Bronze and Catastrophic plans often have the cheapest monthly premiums. But with these plans, you pay a higher share of your medical bills. And Catastrophic plans aren't eligible for premium tax credits, so you can't lower your rate based on your income.

Medicaid: Best if you have a low income

If you have a low income, Medicaid could be a good option for free or low-cost health insurance. In most cases, Medicaid can reduce or eliminate the costs of health care.

It's harder to qualify for Medicaid in Florida than it is in other states. You must be a parent or family member taking care of a child, under age 21 or pregnant.

Some people are also eligible if they were formerly in foster care and are under age 26. You might also qualify if you are elderly, blind or disabled. If you get Supplemental Security Income (SSI), you are automatically enrolled in Florida Medicaid.

If you don't qualify for Medicaid, remember to check to see if you qualify for Obamacare subsidies. These discounts lower your monthly rate for health insurance, so a plan might be more affordable.

Best cheap health insurance companies in Florida

Aetna and UnitedHealthcare are the best health insurance companies in Florida.

Both companies have cheaper-than-average rates and good customer service. Florida Blue could also be a good option, despite its high rates. It's the most popular company in Florida, making up about 52% of all plans in the state. However, it only has a 3-star rating from

Best health insurance companies in Florida

Editor rating
Aetna logo
UnitedHealthcare logo
Cigna logo
Oscar logo
Ambetter logo
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Average monthly cost for a 40-year-old buying a Silver plan in FL. Ratings are based on editor reviews of the company.

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Most people in Florida choose Silver or Bronze health insurance coverage. If you want a Catastrophic or Platinum plan, you'll have fewer options.

Companies with Platinum plans

  • AvMed
  • Capital
  • Florida Blue
  • Florida Blue HMO
  • Florida Health Care

Companies with Catastrophic plans

  • Florida Health Care
  • Health First
  • Oscar

Cheapest health insurance plan by Florida county

The most affordable health insurance depends on where you live in Florida. The Ambetter Standard Silver plan is the best cheap option in most of Florida, including Jacksonville, Tampa and Orlando. But in Miami, the cheapest Silver plan is the Silver Classic from AmeriHealth Caritas Next.

Cheapest Silver plan
Monthly rate
AlachuaAmbetter Standard Silver$536
BakerAmbetter Standard Silver$521
BayAmbetter Standard Silver$478
BradfordAmbetter Standard Silver$545
BrevardHealth First Silver Value$460
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Cheapest Silver plan with rates for a 40-year-old

Are health insurance rates going up in Florida?

Florida health insurance rates are going up. For 2024, Silver plans cost 2% more than they did for 2023. That's roughly an extra $14 per month. Platinum plans saw the biggest increase, while Catastrophic plans decreased in price.

Change (2023 to 2024)
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Monthly costs are for a 40-year-old.

Florida health insurance rates by family size

In Florida, each child that you add to your policy increases the monthly rate for a Silver plan by an average of $367. Depending on your income, Florida Medicaid can be an option to get health insurance for your child.

Family size
Average cost
Individual and child$980
Couple, age 40$1,226
Family of three (adult couple and a child)$1,593
Family of four (adult couple and two children)$1,960
Family of five (adult couple and three children)$2,327

Florida health insurance rates by plan type

You can choose between four different types of health insurance plans in Florida. HMOs and PPOs are the most common plan types. HMOs are cheaper but require you to stay within a network of doctors to have coverage. PPOs cost more, but you also get the flexibility of going to any doctor and still having at least some coverage.


Monthly costs are for a 40-year-old.

Florida Blue is the only company in Florida that sells PPO plans. HMOs are more common, with most companies offering HMO plans.

Short-term health insurance in Florida

If you only need health insurance for a short period of time, you could consider buying a short-term health insurance plan. These plans last up to one year and can be continued for another two years, for a total of three years of coverage. They can be a good option if you are a recent college graduate or in between jobs.

Short-term health insurance isn't required to cover the same things as plans from You might not have maternity care, mental health care or coverage for medications, for example. You could also be turned down because of existing health issues. Make sure that you understand a plan's coverage before you buy it.

Frequently asked questions

What is the average health insurance cost per month in Florida?

Health insurance costs an average of $613 per month in Florida, based on a 40-year-old with a Silver plan. If you are younger or choose a lower plan tier, you will likely pay less. Older shoppers and those with higher plan tiers will usually pay more.

What is the best health insurance company in Florida?

Aetna and UnitedHealthcare are the best health insurance companies in Florida, according to ValuePenguin's reviews. Both companies have low average rates and good customer satisfaction. But the best company for you depends on your needs, your budget and what options are available in your area.

How do I get affordable health insurance in Florida?

The best way to find affordable health insurance in Florida is to compare your plan options. By getting quotes from several companies, you can see how much each plan costs and what coverage you would get. It's also important to have a good understanding of your own health insurance needs. If you need medical care often, it might make more sense to pay more for a plan with more coverage. Finally, make sure to check if you qualify for subsidies, which can lower your monthly rate based on your income.

How much does Obamacare cost in Florida?

In Florida, Obamacare costs an average of $49 per month for those who are getting income-based discounts. If you pay full price, a plan costs $613 per month. Savings are on a sliding scale so your costs will change based on your income.

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 independent 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.


Florida health insurance rates and plan details for 2024 were gathered from the Centers for Medicare & Medicaid Services (CMS) government website. ValuePenguin used the public use files (PUFs) to find average rates by plan tier, age, county, family size and plan type. Average costs are based on a 40-year-old buying a Silver plan unless another age or plan level is noted. Plans and providers for which county-level data was included in the CMS Crosswalk file were used in our analysis; those excluded from this data set may not appear.

ValuePenguin ratings are awarded after a full review of a company's products, plan quality, customer satisfaction and average rates. Ratings from AM Best, Better Business Bureau (BBB),, the National Association of Insurance Commissioners (NAIC), the National Committee for Quality Assurance (NCQA) and others are also considered.

Data on discounted rates after subsidies, called the Advanced Premium Tax Credit (APTC), is from the Kaiser Family Foundation (KFF).

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.