Paige Cerulli Last Updated On: August 9, 2023

Find Affordable Health Insurance in Florida

A trip to the emergency room or an unexpected health diagnosis is not only stressful, but can leave you worried about how you’ll afford the care you need. Health insurance can help you to pay for your healthcare expenses so you can focus on your health, rather than your bank account.

While Florida doesn’t have any state law requiring you to carry health insurance, buying health insurance may help you to save money and definitely delivers valuable peace of mind.

Whether you’re already living in Florida or are planning to move to the sunshine state, we’ve highlighted some key information about health insurance in Florida to help you find the right coverage.

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Table of Contents

Types of Florida Health Insurance Plans

There are many affordable health insurance plans in Florida, and you’ll be able to choose from several types of plans. Below are some of the most common types of health insurance in Florida.

  • Health Maintenance Organization (HMO) plans require you to have a primary care physician and to receive care from in-network providers. These plans have low premiums and deductibles.
  • Preferred Provider Organization (PPO) plans offer more flexibility, and you can receive care from providers outside of your network and you won’t need a primary care physician. A PPO plan has higher premiums and deductibles than an HMO.
  • Point of Service (POS) plans offer more flexibility than HMO plans. You can still receive care from outside of your network, and you don’t need a primary care physician, but you’ll pay slightly higher premiums and deductibles.
  • Exclusive Provider Organization (EPO) plans have lower premiums and deductibles. You’ll be required to receive in-network care, but you aren’t required to have a primary care physician.

Levels of Health Insurance in Florida

Florida health insurance plans are also offered at different levels. It’s important to understand the specifics of each option when deciding on the best policy for your needs.

  • Bronze plans have lower monthly premiums, but you’ll pay higher deductibles.
  • Silver plans have higher premiums but you could save money with lower deductibles.
  • Gold and Platinum plans have higher premiums, but their coverage is more comprehensive. These plans are popular among people with chronic conditions, who need frequent healthcare, or who don’t want to worry about paying a high deductible.

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The Average Cost of Health Insurance in Florida

The average cost of a Bronze plan for a 40-year-old in Florida is $480 per month in 2023. That’s just slightly above the $440-per-month national average health insurance cost for an adult.

Remember that these are average figures, and your insurance costs may vary depending on factors like your age and health status.

How Florida Health Insurance Rates Are Calculated

Insurance providers use many factors to calculate the cost of health insurance in Florida:

  • Location
  • Age
  • Current health
  • Whether you smoke
  • Number of dependents included on the policy
  • Marital status
  • Type of coverage

It’s best to get a personalized quote for the most accurate health insurance costs. Contact ConsumerCoverage for a free quote and personalized information on what you can expect to pay for health insurance premiums.

How to Get Affordable Health Insurance in Florida

There are several ways to get affordable health insurance in Florida. Depending on your age and income, you and your family might qualify for Medicaid, Medicare, or KidCare insurance programs, which can help to connect you with affordable insurance plans. Your employer may offer discounts on sponsored health insurance policies, too.


Shopping around for health insurance in Florida and comparing quotes can also save you money on your health insurance, while finding a plan that offers the coverage that you need. Request a free, fast quote from ConsumerCoverage to find the policy that’s the best fit for you and your family.

Free Health Insurance Comparison - Save up to 30%

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