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Best Cheap Health Insurance in Florida for 2023

Best Cheap Health Insurance in Florida for 2023

Florida Blue's myBlue Connected Care is the cheapest Silver health insurance plan in Florida, costing as little as $440 per month in some locations, a savings of 27% versus average rates.

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Cheapest health insurance by plan tier

The average cost of health insurance is $599 per month for a 40-year-old in Florida buying a Silver plan.

We compared the health insurance plans available on the Florida marketplace and identified the cheapest policy in each plan tier to help you find the best option for your chosen level of coverage. Aside from the level of coverage, one of the most significant factors in determining health insurance rates is the age of each person insured.

Cheapest health insurance companies in Florida

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A 21-year-old will pay 22% less for health insurance in Florida than a 40-year-old. A 60-year-old will pay approximately twice as much as a 40-year-old.

The best health insurance plans you can choose from will vary by the county you live in, and not all of those listed below are available in every county. We recommend using these as a starting point when assessing the benefits and out-of-pocket costs you can expect from a health plan, as compared to monthly premiums.

Cost of Florida health insurance by plan tier

Cheapest plan
Monthly cost
Catastrophic AdventHealth Catastrophic 1746 $213
Bronze AmeriHealth Caritas Next Bronze $342
Silver Florida Blue HMO myBlue Connected Care Silver 2332 $440
Gold Ambetter Complete Value Gold $443
Platinum Florida Health Care Plans Platinum HMO BC 5841 $722

How to find your best health insurance plans in Florida

Monthly costs are not the only factor to consider when it comes to your health care. Out-of-pocket costs in the form of deductibles, copays and coinsurance are just as important to compare when you shop because these amounts will determine how much you spend on medical care.

The best cheap health insurance plan for you and your family will depend on your income level and expected health care needs.

Households with higher expected medical costs should opt for a plan with better benefits such as a Gold or Platinum plan. In contrast, those who are healthy or only expect to need routine care should look for cheaper options such as Bronze plans.

Start by browsing Silver plans

Unless you’re extremely healthy or you know you’ll have major medical expenses, we advise beginning your shopping process by looking at the Silver metal tier health insurance plans. These plans often occupy a middle ground between Bronze and Gold plans, balancing what you pay each month for a plan and what you pay when you need medical care.

The Silver plans are also the only plans that are eligible for cost-sharing reductions that further reduce your copays, coinsurance and deductibles if you have a household income under 250% of the federal poverty level.

In this case, these plans can actually offer better benefits than higher-priced Gold and Platinum plans but at a much lower premium.

Younger and healthier people can save with Bronze and Catastrophic plans

Bronze and Catastrophic plans often have the lowest premiums available, but the downside is they have high deductibles. Many plans in these tiers will have their cost sharing near the maximum limits, meaning that you will first need to spend thousands of dollars before many of the plan's benefits kick in.

These types of health insurance policies only make sense if you want coverage for costly emergencies and have little to no need for routine care. Catastrophic plans are available to those under age 30, and for those 30 or older, you'll need a hardship exemption to be eligible. Keep in mind that all plan tiers except Catastrophic are eligible for premium tax credits that reduce your monthly insurance costs according to your income.

Health insurance rate changes in Florida

In Florida, the cost of health insurance plans increased an average of 5% from 2022 to 2023. That's about $27 more per month.

The largest price increase was for Bronze plans, which cost 10% more for 2023. The rates for Silver plans only increased by 2%, and the cost for a Gold plan remained stable.


Monthly premiums are for a 40-year-old adult.

Health insurance rates, deductibles and out-of-pocket maximums are set yearly by health insurance companies. The plans are then sent to the federal exchange to be approved for the following plan year.

Short-term health insurance in Florida

Florida follows the regulations set by federal guidelines for short-term health insurance. This allows for the plans to provide coverage for up to 12 months and be renewable for up to 36 months. Furthermore, short-term plans do not need to cover the essential benefits that all Affordable Care Act (ACA) marketplace plans must cover.

Short-term policies may not cover services like hospitalization, prescription drugs, mental health and maternity care.

You may want to consider purchasing short-term health insurance if you lose employer-sponsored coverage or miss open enrollment for an ACA marketplace policy. However, it is important to note that short-term plans require medical underwriting and typically do not provide coverage for preexisting conditions.

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Cheapest health insurance plan by county

The cheapest Silver plan offered in your county will give you the best rate on a moderate level of coverage. These plans are the best starting point when shopping for insurance because, for most people, they will provide a balance of affordable monthly costs with reasonable medical benefits.

The monthly rates below are for full-priced plans. If you have a low to moderate income, our health insurance subsidy calculator will estimate how much you pay after discounts are applied.

Cheapest Silver plan by Florida county

Cheapest plan
Monthly rate
AlachuaAmbetter Clear Silver$522
BakerAmbetter Clear Silver$522
BayAmbetter Clear Silver$522
BradfordAmbetter Clear Silver$522
BrevardAdventHealth Silver Value 1815$457
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Best cheap health insurance companies in Florida

Florida Blue HMO has the highest-rated health insurance plans that are widely available across most of the state. Its rates are about average in most Florida counties, though Florida Blue HMO has particularly low-cost plans available in some areas.

AdventHealth and Molina have the cheapest overall rates in Florida, both averaging less than $480 per month for a Silver plan.

Best health insurance companies in Florida

Monthly cost
Florida Blue HMO
Capital Health Plan
Florida Health Care Plans
Florida Blue
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Average monthly cost is for a 40-year old buying a Silver plan. Average quality ratings are based on health insurance plans sold in Florida. Florida Blue has a separate company for its HMO plans that is listed separately.

Find plans

Recap of the best cheap health insurance in Florida

  • Catastrophic: AdventHealth Catastrophic Gym Access 1746
  • Bronze: AmeriHealth Caritas Next Bronze
  • Silver: Florida Blue HMO myBlue Connected Care Silver 2332
  • Gold: Ambetter Complete Value Gold
  • Platinum: Florida Health Care Plans Platinum HMO BC 5841

Frequently asked questions

What is the average cost of health insurance in Florida?

The average cost of health insurance in Florida for 2023 is $599 for a 40-year-old buying a Silver plan. However, costs can vary widely based on your age and the level of coverage you choose. For example, a 21-year-old choosing a Bronze plan will pay $376 per month, on average, while a 60-year-old typically pays more than $1,000 per month.

Which company has the most affordable health insurance in Florida?

For 2023, Florida Blue has the cheapest Silver health insurance plan in Florida, costing as little as $440 per month in some areas. However, where you live determines which plans are available, making the cheapest health insurance plan by Florida county the best starting place for comparison shopping.

How do I get cheap health insurance in Florida?

The best way to find a cheap health insurance policy is to compare policies from a variety of insurers. By getting quotes from many companies, you can learn what rates are available. Then, using your own criteria for what you want in a health insurance policy, you can choose the best one for your situation.


Health insurance premiums, deductibles and out-of-pocket maximums for Florida were compiled through the Centers for Medicare & Medicaid Services (CMS) government website. ValuePenguin used the public use files (PUFs) to find average premiums by plan tier, age, county and family size, and average costs are based on a 40-year-old buying a Silver plan.

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.

Company ratings are based on HealthCare.gov data about the quality of plans in Florida. Other rating information was sourced from the National Committee for Quality Assurance (NCQA).

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.


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