Health Insurance

Best Cheap Health Insurance in Florida 2021

Best Cheap Health Insurance in Florida 2021

Find Cheap Health Insurance Quotes in Florida

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If you’re looking for your best health insurance plan in the state of Florida, you can find many affordable options on the Florida health insurance marketplace.

In 2021, the average cost of health insurance is $571 per month for a 40-year-old. This is a decrease of 2% from 2020 when the monthly cost was $584.

Ambetter offers the best rates in most counties in Florida. Shoppers may begin by looking at the Ambetter Balanced Care 29 (2021) plan, which has the cheapest rates in 37% of Florida's counties.

Cheapest health insurance by metal tier

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

Find Cheap Health Insurance Quotes in Florida

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As you can see above, a 21-year-old will receive 28% cheaper prices for health insurance in Florida, on average, than a 40-year-old for the same metal tier plan. A 60-year-old would pay 112% higher monthly premiums.

The health insurers and health insurance plans you can choose from will vary depending on 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.

Metal tierCheapest planDeductibleMaximum out-of-pocketMonthly cost for a 40-year-old
CatastrophicHealth First GYM ACCESS Catastrophic HMO 1746$8,550$8,550$200
BronzeAmbetter Essential Care 1 (2021)$8,300$8,300$305
Expanded BronzeAmbetter Essential Care 2 HSA (2021)$6,900$6,900$312
SilverOscar Silver Saver$4,200$8,550$408
GoldOscar Gold Classic$2,500$6,000$435
PlatinumBlueSelect Platinum 1451 ($0 virtual visits / $100+ in rewards)$0$0$553

Finding your best health insurance plans in Florida

Remember, premiums are not the only cost component 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.

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 plans with higher cost-sharing benefits, while those who expect to be relatively healthy or to need little to no routine care should look toward cheaper plans.

Average consumers should start by browsing Silver plans

Unless you’re extremely healthy or know you’ll have significant medical expenses, we advise that you begin your shopping process by looking at the Silver metal tier health insurance plans. These are the plans that the exchange offerings are generally benchmarked off of, and they occupy a good middle ground between premiums you are guaranteed to pay and cost-sharing responsibilities that you will incur if you have any medical expenses.

The Silver plans are also the only plans on the Florida exchange that make you 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 such a case, these plans can actually offer more benefits than higher-priced Gold and Platinum plans but at a much lower premium.

Younger and healthier households can look to Bronze and Catastrophic plans

Bronze and Catastrophic plans will have the lowest premiums available but come at the cost of extremely high deductibles. Many of the plans in these metal tiers will have their cost sharing near the maximum limits, meaning that you will first need to meet thousands of dollars of fees before the health plan benefits really start kicking in.

These types of health insurance policies really only make sense if you want coverage for extremely costly emergencies and have little to no need for routine care. Catastrophic plans are only available to those individuals under the age of 30, and they are not eligible for premium tax credits.

Health insurance rate changes in Florida

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.

In Florida, the cost of Catastrophic health insurance plans increased by 13% from 2020 to 2021 — the largest rate increase by metal tier in the state.

Conversely, the price of the other metal tiers didn't change much over the past year. The cost of Bronze plans rose by 3%, but the cost of Expanded Bronze and Platinum plans remained flat, while the cost of Silver and Gold plans decreased by 2% and 1%, respectively.

Metal tier2019 premium2020 premium2021 premiumPercentage change
Expanded Bronze$416$434$4330%
Premiums are for a 40-year-old adult.

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.

This includes services like maternity, hospitalization, mental health and prescription drugs.

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 will require medical underwriting and typically do not provide coverage for preexisting conditions.

Find Cheap Health Insurance Quotes in Florida

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Health insurance companies in Florida

There are currently 10 health insurance providers offering plans on the Florida marketplace. This is an increase from the nine providers that were available during the previous plan year. Depending on the county, the availability of health insurance companies will vary.

  • Blue Cross and Blue Shield of Florida
  • AvMed
  • Ambetter from Sunshine Health
  • Health First Commercial Plans Inc.
  • Oscar Insurance Co. of Florida
  • Health First Commercial Plans Inc.
  • Molina Healthcare of Florida Inc.
  • Bright Health Insurance Co. of Florida
  • Florida Health Care Plan Inc.
  • Cigna Healthcare

Cheapest health insurance plan by county

As we mentioned above, Silver plans are where we advise the average consumer to begin their shopping process. To help you, we’ve listed the cheapest Silver health plan for each Florida county, as well as sample prices for families of different sizes.

These premium estimates are unsubsidized. Depending on your income, you will likely see even lower prices once you account for the tax credits.

CountyCheapest planAge 40Couple, age 40Couple, age 40 plus child
AlachuamyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$502$1,003$1,303
BakerBlueSelect Silver 1443 ($0 labs / $0 virtual visits / $100+ in rewards)$480$960$1,248
BaymyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$409$818$1,063
BradfordAmbetter Balanced Care 29 (2021)$545$1,089$1,415
BrevardGym Access IND Silver HMO BC 7741$429$858$1,115
BrowardmyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$420$841$1,092
CalhounAmbetter Balanced Care 29 (2021)$530$1,060$1,378
CharlotteOscar Silver Saver$408$815$1,059
CitrusOscar Silver Saver$418$836$1,087
ClaymyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$416$831$1,080
ColliermyBlue Silver 2010 ($0 labs / $0 virtual visits / $100+ in rewards)$447$895$1,162
ColumbiaAmbetter Balanced Care 29 (2021)$567$1,135$1,474
DesotoAmbetter Balanced Care 29 (2021)$532$1,065$1,383
DixieAmbetter Balanced Care 29 (2021)$569$1,138$1,478
DuvalmyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$440$881$1,144
EscambiamyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$423$846$1,099
FlaglerOscar Silver Saver$466$931$1,210
FranklinAmbetter Balanced Care 29 (2021)$560$1,120$1,455
GadsdenAmbetter Balanced Care 29 (2021)$607$1,214$1,578
GilchristAmbetter Balanced Care 29 (2021)$582$1,164$1,512
GladesAmbetter Balanced Care 29 (2021)$704$1,409$1,830
GulfBlueSelect Silver 1443 ($0 labs / $0 virtual visits / $100+ in rewards)$417$834$1,083
HamiltonAmbetter Balanced Care 29 (2021)$634$1,268$1,647
HardeeAmbetter Balanced Care 29 (2021)$750$1,499$1,948
HendryBlueCare Silver 1477 ($0 virtual visits / $100+ in rewards)$561$1,122$1,458
HernandomyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$430$859$1,116
HighlandsAmbetter Balanced Care 29 (2021)$457$913$1,187
HillsboroughmyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$438$875$1,137
HolmesAmbetter Balanced Care 29 (2021)$529$1,059$1,376
Indian RivermyBlue Silver 2010 ($0 labs / $0 virtual visits / $100+ in rewards)$416$832$1,081
JacksonAmbetter Balanced Care 29 (2021)$521$1,043$1,355
JeffersonAmbetter Balanced Care 29 (2021)$540$1,081$1,404
LafayetteAmbetter Balanced Care 29 (2021)$555$1,110$1,442
LakemyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$437$873$1,134
LeemyBlue Silver 2010 ($0 labs / $0 virtual visits / $100+ in rewards)$483$967$1,256
LeonmyBlue Silver 2010 ($0 labs / $0 virtual visits / $100+ in rewards)$466$932$1,211
LevyAmbetter Balanced Care 29 (2021)$542$1,084$1,409
LibertyAmbetter Balanced Care 29 (2021)$585$1,169$1,519
MadisonAmbetter Balanced Care 29 (2021)$540$1,080$1,403
ManateeAmbetter Balanced Care 29 (2021)$445$889$1,155
MarionmyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards))$424$848$1,102
MartinOscar Silver Saver$453$906$1,177
Miami-DadeBlueOptions Bronze (HSA) 1705 ($100+ in rewards / $4 condition care Rx)$445$890$1,156
MonroeBlueOptions Silver 1410 ($0 labs / $0 virtual visits / $100+ in rewards)$803$1,606$2,087
NassauAmbetter Balanced Care 29 (2021)$510$1,019$1,324
OkaloosamyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$467$933$1,213
OkeechobeemyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$463$926$1,203
OrangemyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$464$928$1,206
OsceolamyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$449$898$1,167
Palm BeachCigna Connect 6000$430$861$1,118
PascoAmbetter Balanced Care 11 (2021)$454$907$1,179
PinellasmyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$452$903$1,173
PolkmyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$450$900$1,169
PutnammyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$484$969$1,259
Saint JohnsAmbetter Balanced Care 29 (2021)$415$830$1,078
Saint LucieOscar Silver Saver$453$906$1,177
Santa RosamyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$428$857$1,113
SarasotamyBlue Silver 2010 ($0 labs / $0 virtual visits / $100+ in rewards)$436$871$1,132
SeminoleBlueOptions Bronze 1419 ($0 labs / $0 virtual visits / $100+ in rewards)$458$916$1,191
SumterBlueSelect Silver 1443 ($0 labs / $0 virtual visits / $100+ in rewards)$410$821$1,066
SuwanneeAmbetter Balanced Care 29 (2021)$556$1,111$1,444
TaylorBlueOptions Silver 1410 ($0 labs / $0 virtual visits / $100+ in rewards)$595$1,189$1,545
UnionAmbetter Balanced Care 29 (2021)$660$1,320$1,715
VolusiaGym Access IND Silver HMO BC 7741$454$908$1,180
WakullaAmbetter Balanced Care 29 (2021)$518$1,035$1,345
WaltonmyBlue Silver 2127 ($0 labs / $0 virtual visits / $100+ in rewards)$444$888$1,154
WashingtonBlueOptions Bronze 1416 ($0 virtual visits / 3 PCP visits for $20)$535$1,071$1,391

Recap of the best cheap health insurance in Florida

  • Catastrophic: Health First GYM ACCESS Catastrophic HMO 1746
  • Bronze: Ambetter Essential Care 1 (2021)
  • Expanded Bronze: Ambetter Essential Care 2 HSA (2021)
  • Silver: Oscar Silver Saver
  • Gold: Oscar Gold Classic
  • Platinum: BlueSelect Platinum 1451 ($0 virtual visits / $100+ in rewards)


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 (PUF) to calculate average premiums by metal tier, county and family size.

Sterling Price

Sterling Price is a research analyst at ValuePenguin specializing in health and life insurance. He graduated from Syracuse University with a bachelors degree in Finance and Accounting and has previous experience as a licensed life insurance representative.

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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