Best Cheap Health Insurance Quotes in Florida 2017

If you're looking for an affordable health insurance plan in the state of Florida you can find many suitable options on the Florida Health Insurance Marketplace. Where available, Molina and Ambetter offer the cheapest plans in the state while Blue Cross Blue Shield has the largest coverage with offerings in every county. Consumers interested in lower premiums should shop on the exchange and see if they qualify for the premium subsidies that are available only through Healthcare.gov.

A Plan that shoppers can begin looking at is the BlueCare Silver 1477, a silver plan which has the lowest premiums in many counties. Another plan that can be cheaper but is limited in available to a smaller set of counties is the Ambetter Balanced Care 4.

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Companies Offering Plans on the Florida Exchange

In 2017, 7 Health Insurance providers will be offering plans on the Florida Marketplace. This is down from 10 providers in 2016 with UnitedHealthcare, Coventry and Aetna leaving the market.

Company

Counties Served

Blue Cross Blue Shield of Florida

67

Celtic Insurance Company (Ambetter)

17

Florida Health Care Plan

4

Health First

4

Health Options

45

Humana Medical Plan

7

Molina Healthcare

8
Graph of Average Silver Tiered Health Insurance Plan By County in Florida 2017

Finding The Best and Cheapest Health Insurance Plans

Remember, premiums are not the only cost component when it comes to your healthcare. Out of pocket costs in the form of deductibles, copay and coinsurance are just as important while you shop. The cheapest or best 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 have little to no routine care should look towards cheaper plans.

Average Consumers Should Start by Browsing Silver Plans

Unless you're extremely healthy or sick we advise that you begin your shopping process by looking at the Silver metal tiered plans. These are the plans that the exchange offerings are generally benchmarked off of, and 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 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 actually offer more benefits than higher priced gold and platinum plans but at a much lower premium. To figure out if you qualify for better benefits consult our subsidy guide and see where your income falls.

Younger and Healthier Households can Look Towards Bronze and Catastrophic Plans

Bronze and Catastrophic plans will have the lowest premiums available but come at the cost of extremely high deductibles. In 2017 the highest deductible and out of maximum a plan can have will be $7,150 for an individual and 14,300 for a household. Many of the plans in this metal tier will have their cost sharing near these limits meaning that you will first need to meet thousands of dollars of fees before the plans benefits really start kicking in. These types of plans really only make sense if you want coverage for extremely costly emergencies only and have little to no need for routine care. Catastrophic plans are only available for those individual under the age of 30 as well.

Cheapest Silver Plan By County

As we mentioned above, Silver plans are where we advise the average consumer to begin their shopping process. To help you with that process we've listed the cheapest option by each county as well as sample prices for consumers age 21, 40 and 60. These premium estimates are unsubsidized and for a single individual. Depending on your income, you will likely see even lower prices once you account for the tax credits on Healthcare.gov.

CountyPlan NameAge 21Age 40Age 60

Alachua

myBlue Silver 1604$259$332$704

Baker

BlueSelect Silver 1443265339719

Bay

BlueSelect Silver 1443230294625

Bradford

BlueCare Silver 1477279356756

Brevard

IND Silver HMO BC 7741245314666

Broward

Ambetter Balanced Care 4 (2017)230293623

Calhoun

BlueOptions Silver 1410318406863

Charlotte

Ambetter Balanced Care 4 (2017)234299635

Citrus

Ambetter Balanced Care 4 (2017)228292620

Clay

Ambetter Balanced Care 4 (2017)247316671

Collier

BlueCare Silver 1477271346736

Columbia

BlueCare Silver 1477298381808

De Soto

BlueCare Silver 1477308393835

Dixie

BlueCare Silver 1477300384815

Duval

Molina Marketplace Silver240307651

Escambia

BlueSelect Silver 1443257328697

Flagler

IND Silver HMO BC 7741263336713

Franklin

BlueOptions Silver 1410324414879

Gadsden

BlueOptions Silver 14103724751010

Gilchrist

BlueCare Silver 1477298381808

Glades

BlueOptions Silver 1410357457970

Gulf

BlueSelect Silver 1443227290616

Hamilton

BlueOptions Silver 1410334427907

Hardee

BlueOptions Silver 14103904981057

Hendry

BlueCare Silver 1477299383813

Hernando

BlueSelect Silver 1443243310659

Highlands

BlueSelect Silver 1443275352747

Hillsborough

Ambetter Balanced Care 4 (2017)238305647

Holmes

BlueOptions Silver 1410319407865

Indian River

BlueSelect Silver 1443236301640

Jackson

BlueOptions Silver 1410320409869

Jefferson

BlueOptions Silver 14103714741006

Lafayette

BlueOptions Silver 1410335428908

Lake

BlueSelect Silver 1443254325689

Lee

BlueCare Silver 1477329421894

Leon

BlueOptions Silver 1410337430913

Levy

BlueCare Silver 1477290370787

Liberty

BlueOptions Silver 1410339433920

Madison

BlueOptions Silver 1410323412876

Manatee

Ambetter Balanced Care 4 (2017)224286607

Marion

BlueSelect Silver 1443238304645

Martin

BlueSelect Silver 1443261334709

Miami-Dade

Ambetter Balanced Care 4 (2017)232296629

Monroe

BlueOptions Silver 14104535791229

Nassau

BlueCare Silver 1477340434923

Okaloosa

BlueSelect Silver 1443253324687

Okeechobee

BlueCare Silver 1477359459975

Orange

myBlue Silver 1604267341724

Osceola

myBlue Silver 1604261334710

Palm Beach

Ambetter Balanced Care 4 (2017)225288612

Pasco

Ambetter Balanced Care 4 (2017)248316672

Pinellas

Ambetter Balanced Care 4 (2017)247316670

Polk

Ambetter Balanced Care 4 (2017)251321681

Putnam

BlueOptions Silver 1410341436927

Saint Johns

BlueSelect Silver 1443260332704

Saint Lucie

BlueCare Silver 1477304388824

Santa Rosa

BlueSelect Silver 1443265339719

Sarasota

BlueSelect Silver 1443254325689

Seminole

Ambetter Balanced Care 4 (2017)266340723

Sumter

BlueSelect Silver 1443235300637

Suwannee

BlueCare Silver 1477290370787

Taylor

BlueOptions Silver 1410322412875

Union

BlueOptions Silver 1410343438930

Volusia

Ambetter Balanced Care 4 (2017)240307652

Wakulla

BlueOptions Silver 14103794841028

Walton

BlueSelect Silver 1443260332705

Washington

BlueOptions Silver 1410326416884

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