2021 Affordable Health Insurance Plans in Florida

Florida is the Sunshine State, and it may just be the happiest place on earth with all the health insurance options available for its residents. Some health insurance plans have limited availability, designed for residents or workers in certain counties or regions only, but there are plenty of statewide plans available through the 10 different health insurance carriers servicing the state exchange. It is easy to apply online and compare your options to find the right coverage for your needs and your family.

Highlights and Updates

  •       Average premiums have decreased over the last few years in Florida while options for coverage remain plentiful.
  •       Open enrollment in Florida continues to August 15, 2021.
  •       Short-term plans are available in Florida for up to 12 months.
  •       The average monthly benchmark premium cost in Florida is $457, close to the national average premium cost.
  •       There are many health insurers offering plans on the exchange, although some are limited to certain regions or counties.
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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:

  • 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

Note that some plans are only available for people who live or work in certain counties in Florida. For example, Florida Health Care Plans, through Blue Cross Blue Shield, are only available for residents and workers in Flagler, Volusia, Seminole, St. Johns, and Brevard Counties.

What Are The Cheapest Health Insurance Companies in Florida?

Compare your options to find the cheapest health insurance plans for your needs in Florida. There are many options, so you can find the right price for your family. Ambetter offers the lowest cost option in many counties.

How Has Obamacare Helped Florida’s Uninsured?

Florida’s uninsured rate declined 34% between 2013 and 2016 following the ACA implementation.

Florida Health Insurance Costs Overview

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?

The average benchmark monthly health insurance premium for a 40-year-old is $457 in Florida. Health insurance premiums increased consistently every year from 2014 until 2019, but rates have been dropping annually since then.

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What is the Cheapest Health Insurance Plan in Florida?

The cheapest health insurance plan in Florida varies by county. Ambetter offers the lowest cost option in many locations.

Cheapest Florida Health Insurance Coverage by Metal Tier

Gold Plans

The most affordable Gold Plan premium is $489 per month.

Silver Plans

In silver plans, the cheapest option has a monthly premium cost of $447.

 Bronze Plans

The most affordable bronze plan available in Florida in 2021 costs $339 per month.

Florida Health Insurance Costs by Occupation

What Is the Average Cost of Health Insurance for a Student in Florida?

Florida’s college students may elect to purchase a plan through their university or college if they do not remain on their parent’s plan. Short-term plans could also be an option for college students. College students may also decide to purchase their own individual health insurance plan on the exchange. Students may also qualify for Medicaid depending on their income and assets.

What Is the Average Cost of Health Insurance for the Self-Employed In Florida?

Self-employed individuals can expect to pay close to the nation’s average of $484 per month in Florida. Shopping around and comparing options on the exchange is a smart way to find the best coverage options and rates for self-employed individuals.

H3: What Is the Average Cost of Health Insurance for Small Business Owners in Florida?

Some plans could cost as little as $163 per month per employee, depending on many factors.

Florida Health Insurance Costs by Number of Participants

What Is the Average Cost of Health Insurance for Families in Florida?

Average costs depend on many factors, such as how many people are in your family and where you live in the state. Some insurers are only available in certain regions or counties. A family of three in Charlotte County may expect to pay $1059 per month while the same family may pay $1474 in Columbia County or $1948 in Hardee County.

What Is the Average Cost of Health Insurance for Individuals in Florida?

The benchmark price for a silver plan for a 40-year-old individual in Florida is $457. This is just above the national average of $452 per month.

What Is the Average Cost of Health Insurance for a Child in Florida?

Florida KidCare plans start at $15 per month for children. Medicaid is available through the government for children of families who qualify.

H2: 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 or Temporary 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 through age 18, with a focus on preventative care.

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