Compare Affordable Florida Health Insurance
Florida Health Insurance
Are you shopping for a Florida health insurance plan? Discover affordable health plans from top insurance companies in the federal marketplace. Consider essential coverage that fits your budget, balancing deductibles and copayments. Seek expert guidance to find the right plan for your needs in the State of Florida.
Choosing the Right Florida Health Insurance Plan
Choosing the right health plan starts by selecting and understanding what metal tiers are, as they directly relate to your expected healthcare needs and financial preferences. If you have predictable healthcare, consider a higher metal plan like Gold or Platinum which offers more comprehensive coverage. If you are generally healthy and prefer lower monthly costs, a lower metal plan like Bronze may be suitable, but it may have higher out-of-pocket expenses when you need medical care. Consider your health status and anticipated medical expenses to find a metal-tier plan that balances coverage and affordability.
- Bronze Tier: The Bronze tier plans typically have the lowest monthly premiums but higher out-of-pocket costs when you receive medical services. These plans generally cover around 60% of your healthcare expenses, while you would be responsible for the remaining 40%. Bronze plans are a good choice for individuals who want to keep their monthly premium costs low and are relatively healthy with minimal medical needs.
- Silver Tier: Silver-tier plans to strike a balance between premiums and out-of-pocket costs. They cover approximately 70% of your medical expenses, leaving you responsible for the remaining 30%. Silver plans also offer cost-sharing reductions (CSR) for eligible individuals, which further lower out-of-pocket expenses for those with lower incomes. These plans are suitable for individuals who need more coverage than what a Bronze plan offers but want to avoid higher premiums of Gold or Platinum plans.
- Gold Tier: Gold tier plans have higher monthly premiums compared to Bronze and Silver plans but provide more extensive coverage. They typically cover about 80% of your medical costs, leaving you with 20% to pay out of pocket. Gold plans are a good fit for individuals who expect to have higher medical expenses and want more predictable and comprehensive coverage.
- Platinum Tier: Platinum tier plans have the highest monthly premiums but the most comprehensive coverage. They cover around 90% of your healthcare expenses, and you are responsible for the remaining 10%. Platinum plans are ideal for individuals who frequently use medical services and want the most extensive coverage with minimal out-of-pocket expenses.
Lowest-Costing Florida Health Insurance Plans by County
There are numerous budget-friendly FL health insurance plans available offering essential coverage without overwhelming financial resources and ensuring access to quality medical care. Below is a listing of the least expensive health insurance plans by county:
| County | Cost | Insurance company & Plan Name | Metal Level |
|---|---|---|---|
| Alachua | $372.82 | Ambetter Clear Bronze | Bronze |
| Baker | $388.04 | Ambetter Clear Bronze | Bronze |
| Bay | $357.59 | FloridaBlueHMO myBlue Bronze 2311S | Bronze |
| Bradford | $412.25 | Ambetter Clear Bronze | Bronze |
| Brevard | $332.60 | Ambetter Clear Bronze | Bronze |
| Broward | $327.04 | AmeriHealth Caritas Next Bronze | Bronze |
| Calhoun | $362.07 | Ambetter Clear Bronze | Bronze |
| Charlotte | $326.81 | Ambetter Clear Bronze | Bronze |
| Citrus | $349.68 | Florida Blue BlueSelect Bronze 2341S | Bronze |
| Clay | $339.25 | Molina Core Care Bronze 8 | Bronze |
| Collier | $373.25 | FloridaBlueHMO myBlue Bronze 2321S | Bronze |
| Columbia | $399.37 | Ambetter Clear Bronze | Bronze |
| Desoto | $384.66 | Ambetter Clear Bronze | Bronze |
| Dixie | $418.69 | Ambetter Clear Bronze | Bronze |
| Duval | $324.97 | Ambetter Clear Bronze | Bronze |
| Escambia | $377.81 | Florida Blue BlueSelect Bronze 2341S | Bronze |
| Flagler | $372.93 | FloridaHCP Bronze HMO OA Standard 2440 | Bronze |
| Franklin | $381.56 | Ambetter Clear Bronze | Bronze |
| Gadsden | $364.64 | Capital Health Plan HMO Bronze 1000 | Bronze |
| Gilchrist | $445.64 | Ambetter Clear Bronze | Bronze |
| Glades | $492.05 | Ambetter Clear Bronze | Bronze |
| Gulf | $344.19 | Ambetter Clear Bronze | Bronze |
| Hamilton | $542.85 | Ambetter Clear Bronze | Bronze |
| Hardee | $521.30 | Ambetter Clear Bronze | Bronze |
| Hendry | $425.73 | FloridaBlueHMO BlueCare Bronze 2361S | Bronze |
| Hernando | $360.75 | Florida Blue BlueSelect Bronze 2341S | Bronze |
| Highlands | $353.22 | Ambetter Clear Bronze | Bronze |
| Hillsborough | $332.28 | Ambetter Clear Bronze | Bronze |
| Holmes | $394.11 | FloridaBlueHMO myBlue Bronze 2311S | Bronze |
| Indian River | $347.93 | FloridaBlueHMO myBlue Bronze 2321S | Bronze |
| Jackson | $375.92 | Ambetter Clear Bronze | Bronze |
| Jefferson | $346.31 | Ambetter Clear Bronze | Bronze |
| Lafayette | $448.93 | Florida Blue BlueOptions Bronze 2301S | Bronze |
| Lake | $343.61 | Ambetter Clear Bronze | Bronze |
| Lee | $393.12 | UHC Bronze Standard | Bronze |
| Leon | $329.66 | Capital Health Plan HMO Bronze 1000 | Bronze |
| Levy | $409.7 | FloridaBlueHMO myBlue Bronze 2311S | Bronze |
| Liberty | $373.47 | Ambetter Clear Bronze | Bronze |
| Madison | $394.91 | Capital Health Plan HMO Bronze 1000 | Bronze |
| Manatee | $333.82 | Ambetter Clear Bronze | Bronze |
| Marion | $312.49 | Ambetter Clear Bronze | Bronze |
| Martin | $376.91 | Cigna Simple Choice 9100 | Bronze |
| Miami-dade | $321.57 | AmeriHealth Caritas Next Bronze | Bronze |
| Monroe | $553.57 | Florida Blue BlueSelect Bronze 2341S | Bronze |
| Nassau | $395.52 | Ambetter Clear Bronze | Bronze |
| Okaloosa | $387.82 | Ambetter Clear Bronze | Bronze |
| Okeechobee | $397.68 | FloridaBlueHMO myBlue Bronze 2311S | Bronze |
| Orange | $359.69 | Ambetter Clear Bronze | Bronze |
| Osceola | $352.21 | Ambetter Clear Bronze | Bronze |
| Palm Beach | $360.55 | Aetna CVS Bronze S | Bronze |
| Pasco | $350.84 | Ambetter Clear Bronze | Bronze |
| Pinellas | $332.92 | Ambetter Clear Bronze | Bronze |
| Polk | $348.61 | Ambetter Clear Bronze | Bronze |
| Putnam | $380.27 | Ambetter Clear Bronze | Bronze |
| Saint Johns | $308.46 | Ambetter Clear Bronze | Bronze |
| Saint Lucie | $362.07 | Aetna CVS Bronze S | Bronze |
| Santa Rosa | $371.40 | FloridaBlueHMO myBlue Bronze 2311S | Bronze |
| Sarasota | $329.15 | Ambetter Clear Bronze | Bronze |
| Seminole | $366.23 | Health First Bronze Savings 1820 | Bronze |
| Sumter | $311.99 | Ambetter Clear Bronze | Bronze |
| Suwannee | $400.06 | Ambetter Clear Bronze | Bronze |
| Taylor | $432.43 | Florida Blue BlueOptions Bronze 2301S | Bronze |
| Union | $494.17 | Ambetter Clear Bronze | Bronze |
| Volusia | $335.05 | Ambetter Clear Bronze | Bronze |
| Wakulla | $341.74 | Ambetter Clear Bronze | Bronze |
| Walton | $361.74 | Ambetter Clear Bronze | Bronze |
| Washington | $436.71 | Florida Blue BlueOptions Bronze 2301S | Bronze |
Lowest-Costing Florida Health Insurance Plans by Metal Level
The table below is a listing of the least expensive Florida health insurance plans sorted by metal level.
| Metal Level | Cost | Plan Name |
|---|---|---|
| Bronze | $321.57 | AmeriHealth Caritas Next Bronze |
| Silver | $441.83 | FloridaBlue myBlue Connected Care Silver 2332 |
| Gold | $436.75 | Ambetter CMS Standard Gold VALUE |
| Platinum | $853.76 | FloridaBlue BlueSelect Platinum 1451 |
*based on a healthy 35-year-old individual in Miami, Florida.
Lowest-Costing Florida Health Insurance Plans by Insurance Company
There are currently eight health insurance companies operating in Florida that sell health plans to individuals and families. Below is a listing of the least expensive plan options that are sorted by Health Insurance companies.
| Insurance company | Cost | Plan Name | Description |
|---|---|---|---|
| Aetna CVS Health | $366.09 | Bronze S | Deductible: $7,500 PCP:$50 Specialist: $100 |
| Ambetter | $367.67 | Standard Expanded Bronze VALUE | Deductible: $7,500 PCP:$50 Specialist: $100 |
| AmeriHealth Caritas Next | $321.57 | Next Bronze | Deductible:$9,100 PCP:$0 after deductible Specialist: $0 after deductible |
| AvMed | $451.37 | Entrust Bronze 650 (2023) | Deductible: $8,200 PCP: $75 Specialist: $0 after deductible |
| Cigna Healthcare | $386.99 | Simple Choice 9100 | Deductible:$9,100 PCP:$0 after deductible Specialist: $0 after deductible |
| Florida Blue | $482.07 | BlueSelect Bronze 2341S | Deductible:$9,100 PCP:$0 after deductible Specialist: $0 after deductible |
| Florida Blue HMO | $359.82 | myBlue Bronze 2311S | Deductible:$9,100 PCP:$0 after deductible Specialist: :$0 after deductible |
| Molina Healthcare | $371.09 | Core Care Bronze 8 | Deductible: $7,500 PCP:$50 Specialist: $100 |
| UnitedHealthcare | $368.28 | Bronze Standard $9,100 | Deductible:$9,100 PCP:$0 after deductible Specialist: $0 after deductible |
*based on a healthy 35-year-old individual in Miami, Florida.
Health Insurance Carriers
Florida doesn’t operate its own health insurance marketplace, but rather it’s part of the federal government marketplace known as Healthcare.gov. Below is a listing of all the health insurance companies that Florida residents can find offering both individual and group health insurance options:
AvMed
These reputable carriers collectively contribute to the comprehensive array of health insurance plans available, ensuring that Floridians have access to various choices tailored to their specific needs and preferences.
Florida Health Insurance Statistics and Figures
The information below provides a comprehensive insight into Florida’s health insurance landscape. The insured population of 17,716,700 showcases significant progress in coverage, but 2,588,100 individuals are still uninsured this year. This 2023, the average health insurance premium is $471, 3.20% more expensive than the previous year. While Florida has made substantial strides in expanding coverage, addressing the remaining uninsured individuals and managing premium costs remain crucial challenges for the future.
| Insured (2021) | 17,716,700 |
| Uninsured (2021) | 2,588,100 |
| Ave. cost of Health Insurance (2023) | $471 |
| Change from Prev. Year's Ave. Premium (2022-2023) | 3.20% |
*based on the kff.org dataset
Health Insurance Terms to Learn When Getting a Plan
Understanding the most basic health insurance terms is vital to making informed decisions about your coverage, comparing different plans, and effectively managing your healthcare expenses.
Premium: The premium is the amount you pay to the health insurance company regularly, usually monthly, to maintain your coverage. It is a fixed cost, regardless of whether you use healthcare services or not.
Deductible: The deductible is the amount you must pay out of pocket for covered medical services before your insurance starts to pay. For example, if you have a $1,000 deductible, you are responsible for paying the first $1,000 of covered medical expenses before your insurance coverage kicks in.
Co-payment (Co-pay): A co-payment is a fixed amount you pay for certain medical services, such as doctor visits or prescription drugs, at the time of service. Co-payments are typically a specific dollar amount (e.g., $20 per doctor visit) and can vary depending on the service.
Coinsurance: Coinsurance is the percentage of the cost of a covered healthcare service that you are responsible for paying after you’ve met your deductible. For instance, if your insurance plan has a 20% coinsurance for hospitalization, you would pay 20% of the covered costs, and the insurance company would cover the remaining 80%.
Out-of-Pocket Maximum (OOP Max): The out-of-pocket maximum is the highest amount you have to pay for covered medical services in a given year. Once you reach this limit, your insurance company covers 100% of the remaining covered medical expenses for the rest of the year.
Network: A network refers to a group of doctors, hospitals, and other healthcare providers that have contracted with a specific insurance company to provide services at discounted rates. Staying in-network usually results in lower out-of-pocket costs for the insured individual.
Out-of-Network: Out-of-network providers are healthcare professionals or facilities that do not have agreements with your insurance company. If you use an out-of-network provider, you may have higher costs, and some services may not be covered.
Enrollment Periods: For plans offered through the Health Insurance Marketplace,
Open Enrollment Period (OEP) occurs once a year, typically from November 1 to December 15, allowing individuals to enroll in or change health insurance plans for the upcoming coverage year through the Health Insurance Marketplace or their employer. Special Enrollment Period (SEP) Allows individuals to enroll in or change health insurance plans outside of the regular Open Enrollment period due to qualifying life events such as marriage, birth of a child, losing other health coverage, moving, or changes in household income. Medicare Initial Enrollment Period (IEP) is available for those eligible for Medicare, lasting seven months, beginning three months before the 65th birthday and ending three months after, allowing enrollment in Medicare Part A, Part B, Part D, and Medicare Advantage plans.
Free Health Insurance Options in Florida
In Florida, there are several free or low-cost health insurance options available to eligible individuals and families who meet specific criteria. These programs aim to provide essential healthcare services and coverage to those with limited financial resources. Here are some of the main options:
Medicaid: Medicaid is a state and federally-funded program that offers free or low-cost health coverage to low-income individuals and families, including pregnant women, children, parents, and adults with disabilities. Eligibility is based on income and other factors.
Florida KidCare: Florida KidCare is Florida’s version of the Children’s Health Insurance Program (CHIP), providing free or low-cost health insurance to children in families with incomes that exceed Medicaid limits but still need affordable coverage.
Marketplace Health Insurance with Subsidies: The Health Insurance Federal Marketplace in Florida, also known as Healthcare.gov, offers private health insurance plans with subsidies (premium tax credits and cost-sharing reductions) for individuals and families with low to moderate incomes. These subsidies help lower the monthly premiums and out-of-pocket costs.