Best Health Insurance Plans in Florida for 2023

Final Verdict

When buying health insurance in Florida you have no shortage of good options. However, the best fit for you depends on your situation. Are you willing to pay a little more to get comprehensive coverage with all the bells and whistles? BCBS fits best. Or maybe you qualify for the Bonus Tax Credit and can have an otherwise expensive bonus reduced to nearly $0.

Are you instead looking for a plan that is extremely affordable on the front end? A Bronze plan from Molina Healthcare could be the way to go. But Oscar gives you more bang for your buck with broader coverage and more generous features.

frequently asked Questions

How much is health insurance in Florida?

In Florida, the cost of health insurance depends on the provider, plan, and features you choose. Personal data such as your age, medical history and lifestyle also play a role.

For example, premiums for the Florida Bronze Plan averaged about $283 per month for a 25-year-old, while increasing to about $783 per month for a 60-year-old. Additionally, premiums for silver plans averaged $355 per month for a 25-year-old Floridian, while gold plans averaged $401 per month.

Higher tier Metal plans come at a higher cost, and smokers pay more. However, you can potentially significantly reduce your monthly expenses if you qualify for a 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 coverage during open enrollment through Qualifying events, such as B. the loss of insurance coverage or marriage, you can also be entitled to register outside the official period for open registrations. Additionally, when available, Floridians may receive coverage through their employers.

When is enrollment for health insurance open?

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

If you enroll by Thursday December 15th, coverage may begin on January 1st, 2023. If you enroll between December 16th and January 15th, your coverage will start on February 1st, 2023.

What is the Premium Tax Credit?

A 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 American Rescue Plan of 2021 (ARPA) temporarily eliminated the rule disqualifying households with incomes above 400% of the poverty line.

If you qualify, you can receive upfront payments each month that cover some or all of your health insurance premiums. For example, if your plan costs $650 per month and you are entitled to a $600 per month premium tax credit, you only need to pay $50 per month to maintain coverage. The other option is to pay up front and claim the credit when you file your taxes.

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


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

customer satisfaction: We considered NCQA ratings and ratings, as well as JD Power customer satisfaction rankings.

Plan features: We researched each company to see if they offer:

  • Types of Plans: HMO, PPO, EPO, POS and other tariff types
  • Plan Benefits: Programs to treat asthma, heart disease, depression, diabetes, pain, high cholesterol and high blood pressure, pregnancy, back pain and weight loss
  • Dental care: Coverage for child dental care, adult dental care, both, or both
  • metal planes: Bronze, Silver, Gold, and Platinum Plans and Disaster Prevention

Price-performance ratio: We compared physician co-payments, specialist co-payments, monthly premiums, and deductibles for Bronze, Silver, Gold, Platinum, and Disaster Plans across different age groups in Florida.

Comments are closed.