Health Insurance Plans in Florida
Browse ACA Marketplace plans available to Florida residents on the federal exchange. 142 plans available for 2026. Starting from $445.16/month.
How do I find health insurance plans in Florida?
Florida residents shop ACA Marketplace plans through HealthCare.gov. 142 ACA plans are currently available. Plans start from $445.16/month before subsidies. Use policymage.com/compare to enter your ZIP, household, and income for personalized premiums with APTC subsidies.
Last updated: June 12, 2026 · Source: CMS Marketplace API
Lowest Monthly Premium
$445.16/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$612.96/mo
47 plans available
Avg Silver (Benchmark)
$733.19/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.
$612.96/mo avg
from $445.16 – $889.91
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$733.19/mo avg
from $567.47 – $1407.93
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$844.53/mo avg
from $553.77 – $1440.07
Highest premiums, lowest out-of-pocket costs. Ideal for frequent, predictable care.
$1383.25/mo avg
from $1054.8 – $1949.68
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
$445.16/mo
Ded: $9,000
Everyday Bronze
Ambetter Health
$446.86/mo
Ded: $8,450
Standard Expanded Bronze
Ambetter Health
$448.23/mo
Ded: $7,500
Everyday Bronze + Vision + Adult Dental
Ambetter Health
$458.95/mo
Ded: $8,450
Standard Expanded Bronze + Vision + Adult Dental
Ambetter Health
$460.36/mo
Ded: $7,500
myBlue Bronze 26M01-23 (Rewards)
Florida Blue HMO (a BlueCross BlueShield FL company)
$466.31/mo
Ded: $10,125
Bronze Classic Standard
Oscar Health Maintenance Organization of Florida
$469.46/mo
Ded: $7,500
Bronze Classic 4700
Oscar Health Maintenance Organization of Florida
$473.33/mo
Ded: $4,700
Bronze Simple Diabetes
Oscar Health Maintenance Organization of Florida
$475.29/mo
Ded: $5,500
Bronze Simple Chronic Care CKM
Oscar Health Maintenance Organization of Florida
$481.09/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 →
Affordable, budget, and low-cost ACA plans in Florida
Whether you're searching for cheap, affordable, budget-friendly, low-cost, inexpensive, economical, or discount health insurance in Florida, every ACA Marketplace plan available through the federal Marketplace at HealthCare.gov must cover the same 10 Essential Health Benefits set by federal law — preventive care, emergency services, hospitalization, prescription drugs, maternity, mental health, and more. No Marketplace plan can deny you for a pre-existing condition or charge you more for being sick. The only real differences between a "cheap" plan and an expensive one are the monthly premium, the metal tier, the provider network, and how much you pay out of pocket when you actually use care. Below we break down every way to find lower-cost coverage in Florida so you can match a plan to both your budget and your expected medical needs.
Budget Marketplace coverage in Florida
Bronze-tier plans have the lowest monthly premium of any metal level in Florida, making them the budget choice for healthy adults who rarely visit the doctor. Expect a high deductible (often $7,500+) in exchange for the low monthly cost. If you qualify for the Premium Tax Credit (APTC), your effective premium can drop significantly — many Florida residents pay $0–$50/month for Bronze coverage after subsidies are applied.
Low-cost Silver plans & Cost-Sharing Reductions
Silver-tier plans are the only tier eligible for Cost-Sharing Reductions (CSR), which lower your deductible, copays, and out-of-pocket maximum if your household income is between 100% and 250% of the Federal Poverty Level. For Florida residents in that income range, an enhanced Silver plan often beats a Bronze plan on total annual cost — the slightly higher premium is more than offset by far lower costs when you receive care.
Discount HSA-eligible HDHP options
HSA-eligible High-Deductible Health Plans (HDHPs) in Florida let you contribute pre-tax dollars to a Health Savings Account. For 2026 IRS limits, individuals can contribute up to $4,300 and families up to $8,550. Unused funds roll over year to year — and after age 65, you can withdraw for any expense without penalty. An HDHP pairs a low, economical premium with a tax-advantaged savings vehicle.
Cheap catastrophic plans (under 30 only)
Florida residents under 30 — or those with a hardship/affordability exemption — may qualify for catastrophic coverage. Premiums are the lowest of any tier, but the deductible equals the federal out-of-pocket maximum (~$9,200 in 2025) so it's true emergency-only coverage. Catastrophic plans don't qualify for APTC subsidies.
Inexpensive HMO vs. PPO networks in Florida
Network type is one of the biggest levers on price in Florida. HMO and EPO plans restrict you to an in-network provider list but carry noticeably lower premiums, making them the most inexpensive structure for most residents. PPO plans cost more but let you see out-of-network providers. If your preferred doctors are in an HMO network, it's usually the most value-efficient choice.
Finding the best value (lowest total cost) in Florida
The cheapest premium isn't always the most affordable plan overall. The smart way to shop in Florida is to estimate your total annual cost — premium × 12, plus your expected deductible and copays — rather than chasing the lowest sticker price. A modest mid-tier plan can be the best value if you take regular prescriptions or see specialists. Enter your ZIP, age, and income in our compare tool to rank plans by real total cost after subsidies, not just headline premium.
Health insurance companies in Florida
These are the major health insurers that have offered ACA Marketplace plans to Florida residents in recent plan years. Carrier participation and the counties each insurer serves change every year, so always confirm current availability for your ZIP code on HealthCare.gov before enrolling. Every plan from every carrier below covers the same federally-required Essential Health Benefits — they differ on premium, provider network, and which doctors and hospitals are in-network.
Before choosing an insurer in Florida, look up each plan's provider directory on HealthCare.gov and confirm your doctors, preferred hospitals, and prescription drugs are covered in-network. Network fit usually matters more than a small premium difference.
How to enroll in ACA health insurance in Florida
Florida residents shop for ACA-compliant Marketplace plans through HealthCare.gov. Open Enrollment for plan year 2026 runs from November 1 through January 15. Outside that window, you need a Qualifying Life Event (job loss, marriage, birth, move) to enroll mid-year via a Special Enrollment Period.
- 1
Gather your household details
Estimate your 2026 household income (gross, before taxes), everyone you'll claim as a tax dependent, current health insurance status, and your Florida ZIP code.
- 2
Compare plans across metal tiers
Use a free comparison tool to see Bronze, Silver, Gold, and Platinum plans side by side. Pay attention to monthly premium, deductible, out-of-pocket maximum, and whether your doctors are in-network.
- 3
Check subsidy eligibility (APTC + CSR)
Enter your projected household income — HealthCare.gov will calculate your Advance Premium Tax Credit and tell you if you qualify for Cost-Sharing Reductions on Silver plans.
- 4
Enroll directly through HealthCare.gov
Submit your application at www.healthcare.gov. Coverage starts January 1 if you enroll by December 15, or February 1 for later December enrollments.
- 5
Pay your first premium to activate
Coverage is not active until your insurer receives your first premium payment. You'll receive payment instructions directly from the carrier within a few business days of enrollment.
Medicaid eligibility in Florida
Florida has not expanded Medicaid. This creates what's called the "Medicaid coverage gap" for adults earning less than 100% of the Federal Poverty Level (about $15,650/year for an individual). Adults in this income range typically don't qualify for either Medicaid OR Marketplace premium tax credits in Florida.
Florida Medicaid still covers eligible low-income parents of dependent children, pregnant women, people with disabilities, and seniors needing long-term care — but eligibility income limits vary. If you're in the coverage gap, check your eligibility directly with Florida's Medicaid agency before enrolling in a Marketplace plan.
APTC subsidy examples for Florida households
The Advance Premium Tax Credit (APTC) caps what Florida residents pay for the benchmark Silver plan as a percentage of household income. Through the Inflation Reduction Act extension, the 400% Federal Poverty Level (FPL) cliff is suspended through 2025 — households above 400% FPL still qualify for APTC if benchmark Silver exceeds 8.5% of income.
| Household size | Annual income | % of FPL | Capped premium share |
|---|---|---|---|
| 1 person | $23,475 | 150% | ~4% of income |
| 1 person | $39,125 | 250% | ~6% of income |
| 2 persons | $42,400 | 200% | ~4% of income |
| 4 persons | $80,750 | 250% | ~6% of income |
| 4 persons | $129,200 | 400% | ~8.5% of income |
Federal Poverty Level figures use the 2025 HHS guidelines for the 48 contiguous states & DC. Alaska and Hawaii use higher FPL thresholds. Actual subsidy depends on your county's benchmark Silver premium, household composition, and tax filing status. Always verify with official Marketplace before enrolling.
Top counties in Florida for ACA plans
Plan availability, premiums, and participating insurers vary by county within Florida. These are the five most populous counties — enter the listed ZIP code in our compare tool to see plans for that area.
More Florida health insurance guides
Frequently asked questions about ACA insurance in Florida
What is the health insurance marketplace in Florida?
The Florida health insurance marketplace is the federal ACA Marketplace at HealthCare.gov, operated by CMS. Policymage lists 142 Florida plans with live federal CMS premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Florida?
Use policymage.com/compare: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Florida start from $445.16/month before subsidies.
Which Medicaid plan is best in Florida?
Florida has not expanded Medicaid, creating a coverage gap for adults below 100% FPL. Florida Medicaid still covers eligible children, pregnant women, parents, and people with disabilities. For ACA Marketplace plans with subsidies, shop at HealthCare.gov during Open Enrollment.
Is short-term health insurance available in Florida?
Short-term health insurance is sold outside the ACA Marketplace in Florida by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at HealthCare.gov during Open Enrollment (Nov 1–January 15). See policymage.com/faq for more on short-term vs ACA plans.
When does Open Enrollment end in Florida for ACA plans?
Open Enrollment for Florida residents runs from November 1 through January 15. Florida uses the federal Marketplace at HealthCare.gov, which has a January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in Florida?
Bronze-tier plans in Florida start as low as $445.16/month for a 30-year-old before subsidies. With APTC tax credits, many Florida residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Florida use HealthCare.gov or its own state exchange?
Florida uses the federal Health Insurance Marketplace at HealthCare.gov. The federal government (CMS) operates the exchange, processes applications, and calculates subsidies for Florida residents.
Has Florida expanded Medicaid under the ACA?
No. Florida has not expanded Medicaid, which creates a "coverage gap" for adults earning less than 100% of the Federal Poverty Level — they typically don't qualify for Medicaid OR Marketplace tax credits. Florida Medicaid still covers low-income children, pregnant women, parents, people with disabilities, and seniors needing long-term care.
What are the income limits for ACA subsidies in Florida?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. Florida residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the HealthCare.gov subsidy calculator for your exact estimate.
What are the metal tiers in Florida (Bronze, Silver, Gold, Platinum)?
Florida ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Florida?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Florida through HealthCare.gov. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Florida ACA plans cover dental and vision?
Florida ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most Florida plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through HealthCare.gov or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Florida?
Outside Open Enrollment, Florida residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through HealthCare.gov.
How do I find in-network doctors and hospitals in Florida?
Each Florida ACA plan has its own provider network. Before enrolling, look up the plan on HealthCare.gov, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find Plans in Florida
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.