Florida is the Sunshine State, and it may just be the happiest place on earth with all of the health insurance options available for its residents. Some health insurance plans have limited availability, designed for residents or workers in certain countries or regions only, but there are plenty of statewide plans available servicing the state exchange. It is easy to apply online and compare your options to find the right coverage for you and your family.
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How to Buy Health Insurance in Florida
Purchasing health insurance is easy in Florida – simply go online to www.healthcare.gov to compare your options and make a purchase. You can review coverage choices among the three tiers and decide which is best for your needs.
Florida takes care of its children through Florida KidCare. Medicaid is also available through the federal government for families and individuals who meet its qualifications. Depending on your age, Medicare could be an option for you.
You can purchase a short-term or catastrophic health insurance plan in Florida if those best meet your needs.
How to Apply for Health Insurance in Florida
Go online to www.healthcare.gov to apply for health insurance in Florida.
Health Insurance Carriers In Florida
Florida has many options for health insurance carriers such as:
- Blue Cross and Blue Shield of Florida dba Florida Blue
- Bright Health Insurance Company of Florida
- Celtic Insurance Company
- CIGNA Health and Life Insurance Company
- Oscar Insurance Company of Florida
(source)
Note that some plans are only available for people who live or work in certain counties in Florida.
Florida Health Insurance Costs Overview
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Florida offers four tiers of health insurance – Bronze, Silver, Gold, and Platinum. Catastrophic plans are also offered.
How Much Does Health Insurance Cost in Florida?
According to the KFF, the average benchmark monthly health insurance premium for a 40-year-old is $515 per month in Florida.
What is the Cheapest Health Insurance Plan in Florida?
The cheapest health insurance plan in Florida varies by county, which is why you should contact us to find the plan that works best for your needs!
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Cheapest Florida Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The most affordable Gold Plan premium is $520 per month.
Silver Plans
In silver plans, the cheapest option has a monthly premium cost of $513.
Bronze Plans
The most affordable bronze plan available in Florida costs $394 per month.
Other Types of Florida Health Insurance Coverage
Catastrophic Health Insurance in Florida
Florida offers catastrophic health insurance plans. Individuals under the age of 30 qualify for catastrophic plans. Those over the age of 30 may qualify based on income requirements or other exemption reasons such as bankruptcy or homelessness. Catastrophic health insurance policies provide emergency treatment and some preventative care visits. Prescription expenses and primary care expenses are limited with a catastrophic plan, making them generally less expensive.
Short Term Health Insurance in Florida
Florida offers short-term health plans for its residents with coverage available for up to 12 months and renewable for 36 months.
Low Income Health Insurance in Florida
Floridians who meet low-income guidelines may apply for Medicaid. The Florida Public Health Dental Program is available to many people and can help with basic dental care needs and preventative care. Florida KidCare provides coverage to uninsured children in Florida with plans starting as low as $15 per month. KidCare offers both health and dental coverage for children, from birth to age 18, with a focus on preventative care.
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Sources:
Marketplace Average Benchmark Premiums, KFF, accessed 11/1/2024, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025 KFF, accessed 11/1/2024, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D