Health Insurance Plans in Florida
Browse ACA Marketplace plans available to Florida residents on the federal exchange. 142 plans available for 2026. Starting from $445/month.
Lowest Monthly Premium
$445/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$613/mo
47 plans available
Avg Silver (Benchmark)
$733/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Jacksonville, FL
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$613/mo avg
from $445 – $890
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$733/mo avg
from $567 – $1408
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$845/mo avg
from $554 – $1440
Highest premiums, lowest out-of-pocket costs. Ideal for frequent, predictable care.
$1383/mo avg
from $1055 – $1950
Lowest-Premium Plans Available
Sample plans near Jacksonville — enter your ZIP for exact results
Bronze Simple Breathe Easy with Enhanced COPD Benefits
Oscar Health Maintenance Organization of Florida
$445/mo
Ded: $9,000
Everyday Bronze
Ambetter Health
$447/mo
Ded: $8,450
Standard Expanded Bronze
Ambetter Health
$448/mo
Ded: $7,500
Everyday Bronze + Vision + Adult Dental
Ambetter Health
$459/mo
Ded: $8,450
Standard Expanded Bronze + Vision + Adult Dental
Ambetter Health
$460/mo
Ded: $7,500
myBlue Bronze 26M01-23 (Rewards)
Florida Blue HMO (a BlueCross BlueShield FL company)
$466/mo
Ded: $10,125
Bronze Classic Standard
Oscar Health Maintenance Organization of Florida
$469/mo
Ded: $7,500
Bronze Classic 4700
Oscar Health Maintenance Organization of Florida
$473/mo
Ded: $4,700
Bronze Simple Diabetes
Oscar Health Maintenance Organization of Florida
$475/mo
Ded: $5,500
Bronze Simple Chronic Care CKM
Oscar Health Maintenance Organization of Florida
$481/mo
Ded: $5,500
Prices shown are for a 30-year-old near Jacksonville without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Florida?
Approximately 142 ACA Marketplace plans are available in Florida for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Florida?
For a 30-year-old without subsidies, the cheapest plan near Jacksonville starts at about $445/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Florida use HealthCare.gov?
Yes — Florida is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Florida averages $733/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Florida
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.