How Much Is Health Insurance in Florida?

Are you wondering "how much is health insurance in Florida?" Look no further! Learn about the average cost and compare plans now
Before purchasing Florida health insurance plans available due to the Affordable Care Act (ACA), it is important to consider how much is private health insurance in Florida. Comprehending the intricacies health benefits of Florida health insurance coverage can be daunting, so it is vital for individuals and families to grasp the expense associated with such coverage. With the introduction of Obamacare, many people are wondering what kind of impact this has had on health insurance premiums in the state.  Most people are, of course, looking for the most affordable health insurance plan that meets their needs. In addition to Obamacare plans, there are other options available for those looking for cheap full coverage health insurance in Florida.  They want and need health insurance that provides affordable coverage that meets their needs. We’ll explore all these topics today so you can make an informed decision about your healthcare coverage and find out just how much is health insurance in Florida.

Table of Contents

Understanding Health Insurance in Florida

Having health insurance is essential for protecting one’s well-being. Before deciding on a health insurance plan, it is essential to be familiar with the various coverage options available and understand the concept of minimum essential coverage.  All of these issues affect health care pricing.  Everyone wants the lowest possible average health insurance bill per month.  While a cheap health insurance plan may provide the coverage you need, it may not provide the coverage you need.  That’s why the cheapest health insurance in Florida, available from the health insurance marketplace and complaint with all health insurance regulations, may not be the right plan for you.  Let’s dig deeper into the critical aspects of health insurance costs.

Types of Health Insurance Plans

In Florida, health insurance companies, such as Florida Blue Health Insurance, and others,  offer four main types of health insurance plans: Preferred Provider Organizations (PPOs), Health Maintenance Organizations (HMOs), Exclusive Provider Organizations (EPOs), and Point-of-Service Plans (POS). All of them provide essential health benefits.  Not let’s explore what it takes to get the cheapest health insurance in Florida.

Getting Cheap Health Care in Florida

The accurately answer the question, of how much is health insurance in Florida,  one must consider numerous elements, including:

Average Health Insurance Cost for One Person

Generally speaking, monthly premiums for individual policies can be expected to fall between \$100-\$500 per month while family policies tend to start at around \$200 each month with costs increasing depending on the desired coverage options and which health insurance company you go with.  When it comes to marketplace insurance, Florida offers many options from qualified health plan issuers, many with pharmacy program benefits included and health management programs, for you to get a cheap health insurance plan which is also still a high-quality plan, such as those from BCBS.  However, getting cheap health insurance in Fl requires some serious shopping. Having health insurance can provide financial protection in the event of unexpected medical bills, particularly during a pandemic or natural disaster like Hurricane Irma. Moreover, it grants access to quality preventative care which is otherwise unaffordable; such as routine physicals, blood tests, and cancer screenings that help keep us healthy over time rather than waiting until something goes wrong before seeking assistance and potentially facing costly treatments later on. Ultimately, choosing one out of the many health insurance companies comes down to doing research first and understanding what kind of coverage you need specifically. Then, find a company that offers those specific services at the lowest price possible. It is important to understand the different types of health insurance plans available in Florida, as well as their costs and benefits. Having a good comprehension of the various health insurance plans offered in Florida, their costs, and their advantages, can help one to make an educated judgment when assessing Obamacare’s effect on medical coverage in the state.  With average obama care cost rising, you’ll want to reexamine your plans at least annually.
Key Takeaway: The cost of ACA plans (health insurance) in Florida varies depending on the plan chosen, with individual plans ranging from $100-$500 per month and family plans typically around $200. It is important to do research first to find a company that offers coverage at an affordable price with the desired services included.

Obamacare and Its Impact on Health Insurance in Florida

Obamacare, also known as the Affordable Care Act (ACA), is a healthcare law that was signed into effect in 2010. While the federal government developed the insurance regulations that govern it, each state provides its own marketplace, in most cases.  The ACA was enacted with the intention of making health insurance coverage more accessible and affordable for all Americans. In Florida, Obamacare has had an impact on the cost of health insurance by providing subsidies and tax credits to help lower-income individuals pay their premiums.
  • Save
In Florida, Obamacare offers four tiers of plans – bronze, silver, gold, and platinum – each with different levels of coverage and associated costs. Each plan covers different levels of services with varying deductibles and copayments/coinsurance amounts. The premium costs vary depending on your income level and other factors such as age or tobacco use status. Subsidies may be available to lessen the expense of premiums for those meeting certain income criteria. Obamacare in Florida furnishes a broad assortment of benefits, such as exams and screenings for prevention, psychiatric treatment, hospitalization, ER visits, lab tests, and X-rays. Ambulatory services like physical therapy or chiropractic care that are medically necessary will also be covered under Obamacare’s umbrella; additionally, 100% coverage is granted for maternity-related costs including prenatal visits and childbirth delivery expenses. Enrolling in Obamacare is easy. You can apply online through the Healthcare Marketplace website or call 1-800-318-2596 (TTY: 1–855–889–4325). You’ll require personal particulars, such as Social Security number(s), earnings data from the most recent tax filing(s), employer’s details if applicable, and so on. Once you have completed the application process, you will be able to compare plans side by side before making a final decision about which one best fits your needs and budget. Obamacare has had a major effect on the expense of medical coverage in Florida, making it available to numerous individuals and families. Additionally, there are other options available for obtaining affordable health insurance in Florida that may be worth exploring.
Key Takeaway: In Florida, Obamacare offers subsidies and tax credits to help lower-income individuals pay their premiums while providing a range of services from preventive care up to maternity-related costs. It’s easy to enroll in an Obamacare plan; just go online or call 1-800-318-2596 for assistance.

Other Options for Obtaining Affordable Health Insurance in Florida

In Florida, there are some options for acquiring economic health insurance. For those who don’t meet the income requirements for Medicaid and CHIP, short-term health insurance plans may be an alternative.  As you can see, there are many Florida marketplace insurance options to explore.  When it comes to marketplace insurance, Florida offers a plethora of options. These plans offer comprehensive benefits such as doctor visits, hospitalization, mental health services, prescription drugs, and more at no cost or low-cost premiums. For those who don’t qualify for these programs, short-term health insurance plans can be an option. These plans usually cover basic medical expenses like doctor’s office visits and prescriptions but do not cover pre-existing conditions or preventive care services. Catastrophic coverage plans are another option that provides limited coverage of major medical costs such as hospitalizations but generally have high deductibles that must be met before the plan pays out any benefits. Lastly, employer-sponsored group plans may also provide some form of affordable health insurance depending on the company’s offerings and employee contributions towards premiums. For those not eligible for Medicaid or CHIP, short-term health insurance plans may be a viable option as an alternative. For those who don’t qualify for Medicaid and CHIP programs, Florida offers short-term health insurance plans and catastrophic coverage plans as affordable alternatives. For those who don’t qualify for these programs, short-term health insurance plans can be an option; these plans usually cover basic medical expenses like doctor’s office visits and prescriptions but do not cover pre-existing conditions or preventive care services. Catastrophic coverage plans are another option that provides limited coverage of major medical costs such as hospitalizations but generally have high deductibles that must be met before the plan pays out any benefits. Lastly, employer-sponsored group plans may also provide some form of affordable health insurance depending on the company’s offerings and employee contributions toward premiums It is essential to examine the various inexpensive health insurance possibilities in Florida and make a prudent choice. Utilizing resources such as gov’t programs, private organizations, and web-based tools can assist people in choosing a plan that meets their requirements.

Resources for Finding Affordable Health Insurance in Florida

Discovering economical medical coverage in Florida can be a daunting challenge. Fortunately, there are many resources available to help individuals and families find the coverage they need.

Government Resources

The state of Florida provides numerous resources for finding affordable health insurance. The DCF offers details on both Medicaid and CHIP, two programs providing low-cost or free coverage to those who meet the income requirements. The state offers access to healthcare plans with reduced or no cost for those who meet certain financial criteria. DCF further assists with enrolling in Medicaid and CHIP, as well as other health services like mental wellness care and addiction therapy.

Private Organizations

There are also several private organizations that offer assistance with finding affordable health insurance in Florida. These organizations often offer free advice to aid individuals in contrasting plans from different suppliers, so they can make a wise choice regarding their insurance coverage. Some even have certified agents who specialize in helping people enroll in government-sponsored programs like Medicaid or CHIP.

Online Resources

Finally, there are plenty of online resources available for those looking for affordable health insurance in Florida. Websites such as Healthcare Compare make it possible to search for plans according to zip code and assess prices from different insurance providers, so people can select the most cost-effective plan. Additionally, sites like eHealthInsurance provide helpful articles about various types of policies so users can get a better understanding of what each plan covers before making a purchase decision.
Key Takeaway: In Florida, there is a multitude of options for people and households to get low-cost medical insurance. These include government programs such as Medicaid or CHIP, private organizations offering free counseling services for plan comparisons, and online resources like Healthcare Compare that provide helpful information on policies.

FAQs in Relation to How Much is Health insurance in Florida

How much is health insurance on average in Florida?

The cost of health insurance in Florida can range widely, depending on the type and level of coverage desired, age, location, family size, and income. Generally, an individual policy with basic advantages can cost around $250 to $400 per month. For families looking for comprehensive coverage with all available options included in their plans may pay upwards of $1000 or more each month.

Is health insurance in Florida expensive?

Costs for health insurance in Florida can range depending on the plan and extent of coverage selected. Generally, premiums for health plans through the Marketplace are lower than those available from private insurers. Moreover, subsidies may be accessible to assist with making health insurance more affordable. It is critical to analyze diverse plans and decide what works best for you prior to choosing a health insurance plan in Florida.

What percentage of Floridians have health insurance?

According to the most recent estimates from the U.S. Census Bureau, 87% of Floridians have health insurance coverage. This is slightly higher than the national average of 86%. Most Floridians with health insurance have it through their employer or a government program such as Medicare or Medicaid, while others are enrolled in Obamacare Insurance plans. Additionally, approximately 3.2 million Floridians are enrolled in Obamacare Insurance plans purchased on healthcare exchanges and subsidized by federal advanced premium tax credits and subsidies for low-income individuals and families.

Does Florida have low-cost health insurance?

Yes, Florida does have affordable health coverage plans available through the ACA. The ACA provides a means of obtaining quality health care coverage for those who may not have the financial resources to pay for it, with various plans and subsidies available depending on one’s income. Consumers can select from a range of plans, tailored to suit their particular needs and budget. In addition, subsidies are available to those who qualify based on income level in order to help make premiums more affordable.


Ultimately, there is no single answer to the question, “how much is health insurance in Florida.” The cost of health insurance in Florida is affected by a variety of factors, and Obamacare has had a significant impact. Obamacare has had a considerable effect on the expense of health insurance for people in Florida, yet there are still other options to consider. Before committing to any health insurance plan, be sure to do your due diligence and compare the available options for you and your family. By utilizing resources such as healthcare comparison websites or speaking with an experienced agent, you can find affordable coverage that meets both your budget and medical requirements.
Contact the Fiorella Health Insurance Agency today for your free health insurance quote.

About the Fiorella Insurance Agency

At the Fiorella Health Insurance Agency, we strive to provide personalized and comprehensive health insurance solutions that meet the unique needs of each individual or family. Our team of experienced professionals understands that navigating the healthcare system can be overwhelming, which is why we’re here to help. We offer tailored recommendations that take into account your age, pre-existing conditions, and lifestyle habits, helping you find a plan that aligns with your specific situation. We prioritize network coverage, providing information on which healthcare providers and facilities are covered under your plan, giving you greater control over your healthcare choices. Moreover, we recognize the importance of preventative care, and our plans support it. We encourage clients to take proactive steps to maintain their health, reducing healthcare costs, and improving overall well-being. At our agency, we act as your advocate, negotiating with insurance providers on your behalf to secure the best coverage at affordable rates. We keep up-to-date with the latest industry trends and changes, ensuring that you’re aware of any modifications or new opportunities that may benefit you. In times of need, we provide ongoing support and assistance, clarifying policy details, resolving claims issues, or finding healthcare providers within your network. Our dedication to customer service means that we’re there for you every step of the way, addressing your concerns promptly and efficiently. Our Health Insurance Agency aims to provide value by simplifying the insurance process, advocating for your best interests, and delivering exceptional support and guidance. We believe that by doing so, we contribute to your overall well-being and help you achieve financial security and peace of mind in the face of healthcare uncertainties.

Request a Free Health Insurance Quote

Find Affordable Health Insurance In Florida.

1Zip Code
2Tell Us About You
3Your Contact Info
4Where Do You Live

Your Zip Code:

Leave a comment

Your email address will not be published. Required fields are marked *

Health Insurance

Get a Quick Quote Today

Speak to an Expert Licensed Insurance Agent Now. Only takes a few minutes.


9 am to 7 pm ET Mon - Fri.
9 am to 5 pm ET Sat.

About Fiorella

We will steadfastly pursue a work environment that fosters growth both on an individual and corporate level.

Our culture will support and inspire friendships, responsible work-life balances, positive attitudes and open communication.

Recent Posts

The Insurance Blog

Subscribe to Our Blog and Receive Notifications About Insurance.

Tu Privacidad

Al enviar mi información, incluido mi número de teléfono y / o teléfono móvil y presionar en continuar, acepto la Política de Privacidad de este sitio y doy mi consentimiento para que Fiorella Insurance y / o sus Afiliados se comuniquen con nosotros de forma gratuita, cotizaciones de seguros sin obligación, y comunicación de seguimiento, incluyendo pero no limitado al seguro de salud, seguro de vivienda, seguro de salud y seguro de vida, así como a productos relacionados. Reconozco que estas compañías pueden llamar a través de un sistema de marcación automática, usar un mensaje pregrabado o enviar mensajes SMS. Reconozco y comprendo que no estoy obligado a proporcionar esta autorización para comprar bienes o servicios.

Haga click o toca para llamar:

(772) 283-0003

About your Privacy

By submitting my information, including my home and/or wireless number, and pressing Continue, I agree to this site’s Privacy Policy and consent to be contacted by Fiorella Insurance and/or its Affiliates for free, no obligation insurance quotes, and follow up communication, including but not limited to health insurance, homeowners insurance, Health insurance and Life Insurance, as well as related products. I acknowledge these companies may call via an automated dialing system, use a pre-recorded message or send SMS messages. I recognize and understand that I am not required to provide this authorization in order to purchase goods or services.

Click or touch to call:

(772) 283-0003

0 Shares 6.3K views
6.3K views 0 Shares
Share via
Copy link