Best Florida Health Insurance Companies for 2023

Final verdict

You have no shortage of good options when shopping for health insurance in Florida. However, the best fit for you will depend on your situation. Are you willing to pay a little more to get comprehensive coverage with all the bells and whistles? BCBS will be most suitable. Or maybe you qualify for a premium tax credit and can get an otherwise expensive premium reduced to almost $0.

Looking instead for a plan that’s extremely affordable on the front end? Molina Healthcare’s bronze plan could be the way to go. But the Oscar gives you more bang for your buck with wider coverage and more generous features.


How much does health insurance cost in Florida?

In Florida, the cost of health insurance will depend on the provider, plan and features you choose. Personal information such as your age, health history and lifestyle will also be factors.

For example, premiums in a bronze plan averaged about $283 a month for a 25-year-old in Florida, while they rose to about $783 a month for a 60-year-old. Additionally, silver plan premiums for a 25-year-old Floridian averaged $355 per month, while gold plans averaged $401 per month.

Higher tier metal plans come with higher costs and individuals who smoke will pay more. This means you can significantly reduce your monthly costs if you qualify for Premium Tax Credit. You can also save by shopping around as costs can vary significantly between providers.

How do I get health insurance in Florida?

In Florida, you can get health insurance coverage during open enrollment through Qualifying events, such as losing coverage or getting married, may also allow you to apply outside of the official open enrollment period. Additionally, when available, Floridians can obtain coverage through their employers.

When is enrollment for health insurance open?

In most states, open enrollment for health insurance for 2023 begins on November 1, 2022 and runs through January 15, 2023. To be eligible, you must live in the United States and be a US citizen or national. You also cannot be incarcerated and cannot have Medicare coverage.

If you sign up by Thursday 15 December, your cover can start on 1 January 2023. If you sign up between 16 December and 15 January, your cover will start on 1 February 2023.

What is Premium Tax Credit?

The Premium Tax Credit is a tax credit that can help eligible Americans afford health insurance plans purchased through the Health Insurance Marketplace or their state exchange. To be eligible, your household income must be at least 100% and no more than 400% of the federal poverty line. However, for tax years 2021 and 2022, the 2021 American Rescue Plan (ARPA) temporarily removed the rule disqualifying households with incomes above 400% of the poverty line.

If you qualify, you may receive advance payments each month to cover some or all of your health insurance premiums. For example, if your plan costs $650 per month and you qualify for a $600 per month premium tax credit, you’ll only need to pay $50 per month to maintain coverage. Another option is to pay up front and claim the credit when you file your taxes.

To qualify for PTC, you must purchase a plan through the Marketplace and it must be your only available coverage option (eg, you are not eligible for state health insurance or an employer-sponsored plan that offers a minimum value).


To determine the best health insurance companies in Florida, we considered criteria in the following categories.

Customer satisfaction: We considered NCQA and ratings along with JD Power customer satisfaction ratings.

Plan Features: We looked at each company to see if it offered the following:

  • Plan Types: HMO, PPO, EPO, POS and other types of plans
  • Plan benefits: Programs to help manage asthma, heart disease, depression, diabetes, pain, high cholesterol and blood pressure, pregnancy, low back pain, and weight loss
  • Dental cover: Cover for children’s dental, adult dental, both or neither
  • Metal Levels: Bronze, Silver, Gold and Platinum plans and catastrophic coverage

Price to value: We compared physician payments, specialist payments, monthly premiums and deductibles for bronze, silver, gold, platinum and catastrophic plans across different age groups in Florida.


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