Health First sells Florida's cheapest health insurance at $582 per month statewide. Your county determines which insurers you can actually purchase from, so statewide rankings don't guarantee local availability. AmeriHealth, Oscar, 22 Health, Wellcare Health and Capital Health Plan also keep costs low throughout Florida. Health First still leads on price in most counties despite these regional restrictions on plan access.
Cheapest Health Insurance in Florida (2026)
Updated: February 6, 2026
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Key Takeaways
Health First Commercial Plans, Inc. offers the lowest health insurance rates in Florida at an average of $582 per month.
Health First Commercial Plans, Inc. provides the most affordable rates for young adults, adults, seniors and HMO plans in Florida, while Blue Cross Blue Shield has the cheapest PPO coverage, Cigna Healthcare has the lowest EPO rates, and Florida Health Care has the cheapest POS plan rates.
Start by determining your coverage needs within your budget, verify if you qualify for subsidies and get quotes from at least three different insurers.
Most Affordable Health Insurance Companies in Florida
| Health First Commercial Plans, Inc. | $582 | $330 | $6,984 | $3,960 |
| AmeriHealth | $716 | $196 | $8,592 | $2,352 |
| Oscar | $721 | $191 | $8,652 | $2,292 |
| 22 Health | $735 | $177 | $8,820 | $2,124 |
| Wellcare Health | $744 | $168 | $8,928 | $2,016 |
| Capital Health Plan | $759 | $153 | $9,108 | $1,836 |
| Molina Healthcare | $816 | $96 | $9,792 | $1,152 |
| Florida Health Care Plans | $824 | $88 | $9,888 | $1,056 |
| Ambetter | $830 | $82 | $9,960 | $984 |
| Blue Cross Blue Shield | $1,204 | $292 | $14,448 | $3,504 |
* We calculate average monthly rates by taking the rounded average of each provider’s monthly plan rates in Florida. We calculate average monthly savings by subtracting the statewide average monthly rate from each provider’s average to show how much cheaper they are than the overall state average. Your actual rates will vary based on age, location and chosen plan.
Health First Commercial Plans, Inc
MoneyGeek Rating
4.6/ 5
5/5Affordability
3.2/5Deductible
5/5MOOP
Average Monthly Rate
$582Average MOOP
$7,311Average Deductible
$5,551
Cheapest Florida Health Insurance Providers by Profile
The best plan for you varies based on age, plan type preference and metal level selection. Weighing premiums against deductibles and maximum out-of-pocket costs helps you understand total health care spending for the year ahead, especially when factoring in prescription medication expenses and expected doctor visits throughout your coverage period.
| Children | Health First Commercial Plans, Inc. | $386 | $4,630 | $5,011 | $3,100 |
| Teens | Health First Commercial Plans, Inc. | $460 | $5,526 | $5,011 | $3,100 |
| Young Adults | Health First Commercial Plans, Inc. | $516 | $6,197 | $5,011 | $3,100 |
| Adults | Health First Commercial Plans, Inc. | $645 | $7,735 | $5,011 | $3,100 |
| HMO | Health First Commercial Plans, Inc. | $645 | $7,735 | $5,011 | $3,100 |
| POS | Florida Health Care Plans | $842 | $10,098 | $5,632 | $2,514 |
| EPO | Cigna Healthcare | $911 | $10,932 | $5,605 | $2,711 |
| Seniors | Health First Commercial Plans, Inc. | $1,369 | $16,425 | $5,011 | $3,100 |
| PPO | Blue Cross Blue Shield | $1,510 | $18,118 | $5,475 | $2,505 |
* Rates shown are averages for silver-tier plans, using the following ages for each group: teens age 18, young adults age 26, adults age 40, seniors age 60. For plan type costs, we used average rates for 40-year-olds.
Cheapest Florida Health Insurance by Metal Level
Florida's monthly health insurance costs range from $505 to $992 for Bronze through Platinum plans at the state average level. Higher monthly costs mean lower expenses when you actually use health care services. Lower monthly costs shift more expenses to you at the point of care.
Capital Health Plan wins on Bronze ($505) and Platinum ($992) pricing for 40-year-olds, while Health First beats competitors on Silver ($645) and Gold ($623) rates with a low $1,500 Gold deductible.
| Catastrophic | Health First Commercial Plans, Inc. | $314 | $3,769 | $10,600 | $10,600 |
| Bronze | Capital Health Plan | $505 | $6,059 | $7,613 | $6,000 |
| Expanded Bronze | Health First Commercial Plans, Inc. | $525 | $6,297 | $7,564 | $7,005 |
| Gold | Health First Commercial Plans, Inc. | $623 | $7,479 | $6,070 | $1,500 |
| Silver | Health First Commercial Plans, Inc. | $645 | $7,735 | $5,011 | $3,100 |
| Platinum | Capital Health Plan | $992 | $11,898 | $3,900 | $0 |
* Rates shown are the provider's average at the given metal tier for 40-year-olds.
Compare Cheap Florida Health Insurance Plans
Identify the most affordable health insurance options in Florida that match your needs:
Data filtered by:
EPO
Silver
40
No
| Cigna Healthcare | Connect Silver Mid-South 4500 Indiv Med Deductible | $802 | EPO | Silver | $5,771 | $2,621 | 40 | No |
| Cigna Healthcare | Connect Silver Mid-South 3800 Indiv Med Deductible | $803 | EPO | Silver | $5,682 | $2,236 | 40 | No |
| Cigna Healthcare | Connect Silver Mid-South Cms Standard | $810 | EPO | Silver | $5,657 | $3,100 | 40 | No |
| Blue Cross Blue Shield | Blueselect Silver 1443 ($10 Labs / Rewards) | $909 | EPO | Silver | $5,479 | $1,911 | 40 | No |
| Blue Cross Blue Shield | Blueselect Silver 1443v ($10 Labs / Adult Vision / Rewards) | $913 | EPO | Silver | $5,479 | $1,911 | 40 | No |
| Blue Cross Blue Shield | Blueselect Silver 1443e ($10 Labs / Adult Dental & Vision / Rewards) | $921 | EPO | Silver | $5,479 | $1,911 | 40 | No |
| Blue Cross Blue Shield | Blueselect Silver 2343s ($40 Pcp Visits / $80 Specialist Visits / Rewards) | $924 | EPO | Silver | $5,657 | $3,100 | 40 | No |
| Blue Cross Blue Shield | Blueselect Silver 1456 ($50 Pcp Visits / Rewards) | $934 | EPO | Silver | $5,289 | No Data | 40 | No |
| Cigna Healthcare | Connect Silver Orlando Cms Standard | $948 | EPO | Silver | $5,657 | $3,100 | 40 | No |
| Cigna Healthcare | Connect Silver Orlando 3500 Indiv Med Deductible | $948 | EPO | Silver | $5,571 | $2,086 | 40 | No |
How to Find the Cheapest Health Insurance in Florida
Florida insurers price identical coverage differently, sometimes by hundreds of dollars monthly. Use these steps to identify the lowest-cost plan for your medical situation.
- 1Choose a plan type within your budget
Your ideal type of plan and metal tier should match both your health needs and financial situation. Start by setting aside money for monthly premiums, then evaluate your current health status and assess your risk factors like age, lifestyle habits and where you live in Florida.
- 2Check if you qualify for subsidies
Your family size and yearly income decide whether you can get 2026 health insurance subsidies. These financial credits help people earning between 100% and 400% of the Federal Poverty Level. Families with lower incomes get bigger subsidies, while the help decreases as your earnings go up.
- 3Explore Medicare options if you qualify
Florida residents 65 and older should look into Medicare programs, including Medicare Advantage plans and Medicare Supplement plans. These federal options often cost less and give you more choices for your healthcare coverage.
- 4Check medication coverage
Look at how each plan covers your regular prescriptions. Different insurance companies put the same drugs on different cost tiers, which affects your copay amounts. Finding a plan with lower-tier coverage for your medications can cut your yearly costs.
- 5Shop during Open Enrollment period
Open Enrollment happens November 1 through January 15 each year. You might also qualify for Special Enrollment after major life changes like job loss, divorce or having a baby. When comparing plans, check coverage types, company ratings, monthly costs and whether your Florida doctors accept the insurance.
Cheap Health Insurance in Florida: Bottom Line
Start your search with Health First, AmeriHealth and Oscar for the most affordable options in Florida. Securing multiple quotes lets you weigh monthly costs against deductibles and out-of-pocket caps to calculate actual annual spending, which shifts based on how often you'll visit doctors or need prescriptions throughout your coverage year.
Cheap Florida Health Insurance: FAQ
Below are answers to typical questions about affordable health insurance in Florida:
What is the cheapest health insurance in Florida?
Health First offers the most affordable health insurance in Florida, with silver plans averaging $582 monthly for 40-year-olds.
What are the downsides of a cheap health insurance plan?
Cheap health insurance plans create financial burdens when you need medical care. High deductibles often exceed $7,000, while narrow networks limit your doctor choices. Maximum out-of-pocket costs reach federal limits, meaning serious illnesses could cost thousands more than higher-premium plans with better coverage.
Do I qualify for subsidies on health insurance in Florida?
You may qualify for subsidies through HealthCare.gov, Florida's federal marketplace. Premium tax credits help reduce monthly costs for individuals earning between $15,060 to $60,240 annually. Cost-sharing reductions lower deductibles and copays for those earning up to $37,650 yearly.
When can I enroll in health insurance in Florida?
In Florida, you can enroll during Open Enrollment from November 1 to January 15 each year. You may also qualify for Special Enrollment throughout the year if you experience a qualifying life event like marriage, job loss or moving to a new state.
Where to get affordable health insurance in Florida?
Florida uses the federal marketplace at HealthCare.gov. Buy directly from insurers, work with licensed brokers or apply for Medicaid. Seniors 65+ enroll in Medicare, Medicare Advantage or Medigap separately.
Which is the best and widely accepted health insurance in Florida?
Wellcare Health costs $748 monthly for 40-year-olds and gets accepted broadly across Florida. At $582 monthly, Health First wins on price but locks you into HMO networks. Blue Cross Blue Shield ($1,204/month) has Florida's widest PPO network. Compare premiums and doctor access before buying.
How We Decided the Cheapest Health Insurance Companies in Florida
We gathered plan information from the federal health insurance marketplace for consumers ranging from 18 to 60 years old, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. Our cheapest overall rankings focus on 40-year-olds' monthly premiums since this age represents the state's demographic center and simplifies our analysis.
For age-specific rankings, we used their corresponding premium costs. Lower premiums often come with higher deductibles and out-of-pocket maximums, which could increase your costs when receiving care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.