Health First is the best health insurance company in Florida. Other leading options include 22 Health, WellCare, Florida Health Care Plans and AmeriHealth.
Best Health Insurance in Florida (2026)
Updated: December 22, 2025
Advertising & Editorial Disclosure
Key Takeaways
Health First offers the best health insurance in Florida by effectively balancing monthly premiums, deductibles and out-of-pocket maximums.
Health First provides the cheapest health insurance in Florida, though its deductibles are higher than other options.
Compare quotes from multiple Florida insurers, evaluate coverage limits and provider networks and verify your preferred doctors accept the plan.
Best Health Insurance Companies in Florida
| Health First Commercial Plans, Inc. | $645 | $5,011 | $3,100 | 4.6 | Silver Value 1815 ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings) |
| 22 Health | $741 | $5,026 | $2,767 | 4.5 | Focused Silver 22 Health |
| Wellcare Health | $748 | $5,830 | $2,045 | 4.3 | Wellpoint Essential Silver 1850 ($0 Virtual Pcp + $0 Select Drugs + Incentives) |
| Florida Health Care Plans | $732 | $5,632 | $2,514 | 4.3 | Gym Access Ind Silver Hmo Bc 7741 |
| AmeriHealth | $724 | $5,888 | $2,190 | 4.3 | Amerihealth Caritas Next Silver Premier + No Referrals |
| Capital Health Plan | $696 | $5,524 | $3,326 | 4.2 | Capital Health Plan Hmo Silver 2100 |
| Avmed | $830 | $5,389 | $2,957 | 4.0 | Avmed Entrust Silver 550 (2026) |
| UnitedHealthcare | $885 | $6,020 | $2,520 | 3.9 | Uhc Silver Standard- |
| Ambetter | $801 | $5,429 | $3,386 | 3.9 | Clarity Silver |
| Molina Healthcare | $755 | $5,765 | $3,258 | 3.9 | Molina Silver Access |
*Our picks are the best health insurance options for 40-year-olds looking for Silver-tier HMO plans.
Health First Commercial Plans, Inc
MoneyGeek Rating
4.6/ 5
5/5Affordability
3.2/5Deductible
5/5MOOP
Average Monthly Rate
$645Average MOOP
$5,011Average Deductible
$3,100
22 Health
MoneyGeek Rating
4.5/ 5
4.6/5Affordability
3.8/5Deductible
5/5MOOP
Average Monthly Rate
$741Average MOOP
$5,026Average Deductible
$2,767
WellCare
MoneyGeek Rating
4.3/ 5
4.6/5Affordability
5/5Deductible
2.9/5MOOP
Average Monthly Rate
$748Average MOOP
$5830Average Deductible
$2045
Best Health Insurance in Florida by Category
Health insurance rates in Florida change based on your age, plan type and coverage level. Silver-tier monthly premiums span from $460 to $3,206 across all age groups and plan types.
By Age:
- Teens (18): Health First HMO plans cost $460 monthly, Cigna EPO plans cost $651 and Blue Cross Blue Shield PPO plans cost $1,079.
- Young adults (26): Health First offers HMO coverage at $516 monthly, Cigna charges $730 for EPO plans, while Blue Cross Blue Shield PPO coverage costs $1,210.
- Adults (40): Health First HMO plans cost $645 monthly, Cigna EPO plans run $911 and Blue Cross Blue Shield PPO plans cost $1,510.
- Seniors (60): Health First charges $1,369 monthly for HMO plans, Cigna charges $1,935 for EPO coverage and Blue Cross Blue Shield charges $3,206 for PPO plans.
By Plan Type:
- PPO: Blue Cross Blue Shield is Florida's top PPO provider, charging 40-year-olds $1,510 monthly with a $2,505 deductible and $5,475 MOOP.
- HMO: Health First offers affordable HMO coverage for 40-year-olds at $645 monthly with a $3,100 deductible and $5,011 MOOP.
- EPO: Blue Cross Blue Shield charges 40-year-olds $920 monthly with a $2,208 deductible and $5,476 MOOP.
All rates are averages based on Silver plans for the given category.
Compare Florida Health Insurance Providers
Premiums, deductibles and maximum out-of-pocket costs vary between Florida health insurers. Filter results by age, metal level, plan type and HSA eligibility below.
Data filtered by:
HMO
Silver
40
No
| Health First Commercial Plans, Inc. | $645 | HMO | Silver | $5,011 | $3,100 | 40 | No |
| 22 Health | $741 | HMO | Silver | $5,026 | $2,767 | 40 | No |
| Wellcare Health | $748 | HMO | Silver | $5,830 | $2,045 | 40 | No |
| Florida Health Care Plans | $732 | HMO | Silver | $5,632 | $2,514 | 40 | No |
| AmeriHealth | $724 | HMO | Silver | $5,888 | $2,190 | 40 | No |
| Capital Health Plan | $696 | HMO | Silver | $5,524 | $3,326 | 40 | No |
| Avmed | $830 | HMO | Silver | $5,389 | $2,957 | 40 | No |
| UnitedHealthcare | $885 | HMO | Silver | $6,020 | $2,520 | 40 | No |
| Ambetter | $801 | HMO | Silver | $5,429 | $3,386 | 40 | No |
| Molina Healthcare | $755 | HMO | Silver | $5,765 | $3,258 | 40 | No |
| Oscar | $727 | HMO | Silver | $5,966 | $3,221 | 40 | No |
| Cigna Healthcare Of Florida, Inc. | $844 | HMO | Silver | $5,463 | $3,163 | 40 | No |
| Blue Cross Blue Shield | $771 | HMO | Silver | $5,745 | $3,863 | 40 | No |
How to Choose the Best Health Insurance in Florida
Choosing health insurance in Florida means weighing premiums against deductibles, network access and coverage limits.
- 1Assess your health care needs
Review your current medications, planned procedures and doctor visit frequency to determine which coverage level fits your situation. Past medical expenses help predict future costs and guide your deductible choice. Consider whether you need regular specialist care or have chronic conditions requiring ongoing treatment. Florida residents who split time between states should account for seasonal health needs.
- 2Compare multiple insurance quotes
Request rates from at least three Florida health insurance companies to spot price differences and coverage variations. Major insurers in Florida include Florida Blue, Aetna and Humana. Use the federal marketplace or work with a licensed agent to gather quotes. Compare similar coverage levels for accurate price comparisons.
- 3Verify provider networks
Check that your preferred doctors, specialists and hospitals in Florida accept the plans you're considering before enrolling. Out-of-network care costs more and may require full payment upfront before reimbursement. Major hospital systems like AdventHealth and Baptist Health have contracts with different insurers. Contact providers directly or use insurer websites to confirm network participation.
- 4Review cost-sharing details
Compare deductibles, copayments and out-of-pocket maximums across plans to understand your total potential costs. Higher deductibles lower monthly premiums but increase upfront expenses when you need care. Your maximum out-of-pocket limit caps annual expenses. Consider your budget and risk tolerance when choosing between low-premium, high-deductible plans and higher-premium options with lower cost-sharing.
- 5Understand plan types
HMOs, PPOs, EPOs and POS plans each offer different trade-offs between cost and flexibility. HMOs require referrals but cost less. PPOs let you see specialists without approval at higher premiums. EPOs and POS plans fall between these options. Florida's large retiree population often prefers PPOs for snowbird flexibility, while younger residents may choose HMOs for affordability in expensive markets like Broward County.
- 6Explore government programs
Check eligibility for subsidies through the federal marketplace or government programs that make coverage more affordable for Florida residents. If you have low income, qualifying disabilities or are 65 or older, explore Medicare Advantage and Medicare Supplement options. Florida expanded Medicaid eligibility may provide coverage for qualifying individuals and families with limited income.
How Much Does Health Insurance Cost in Florida?
HMO plans offer the most affordable coverage across all metal tiers in Florida, with Bronze starting at $580 monthly and Platinum at $1,248. EPO plans provide the second-cheapest option for most tiers, balancing cost and flexibility better than restrictive HMOs.
PPO plans cost more, with Silver coverage averaging $1,510 and Platinum reaching $2,075 monthly. POS plans fall between EPO and PPO pricing, offering moderate costs with broader network access than HMOs but less flexibility than PPOs.
| EPO | $678 | $914 | $885 | $1,383 |
| HMO | $580 | $764 | $770 | $1,248 |
| POS | $802 | $983 | $1,138 | $1,620 |
| PPO | $890 | $1,510 | $1,550 | $2,075 |
*Rates are averages for 40-year-olds in Florida. Your rates will vary based on your age and location.
Best Health Insurance in Florida: Bottom Line
Health First, 22 Health and WellCare rank as Florida's top health insurance companies for 2026. Health First provides the most affordable premiums and strong coverage, while 22 Health and WellCare charge higher monthly rates for comparable benefits.
Best Florida Health Insurance: FAQ
Florida residents frequently ask about enrollment deadlines, state coverage requirements and coordinating multiple insurance plans:
How do I get health insurance in Florida?
Florida residents can get health insurance through Healthcare.gov, directly from insurance companies or by working with licensed brokers. Open enrollment runs from November 1 to January 15 each year. You may qualify for special enrollment after major life changes like marriage, job loss or relocation. Many employers provide group coverage options.
Are you required to have health insurance in Florida?
Florida doesn't require health insurance, and you won't face any penalties for being uninsured, but without coverage, you'll pay the full price for medical care out of your own pocket. A simple emergency room visit can easily cost several thousand dollars.
Can you have multiple health insurance plans in Florida?
Yes, you can have multiple health insurance plans in Florida. The primary plan pays first, and the secondary plan covers remaining eligible costs through coordination of benefits. This arrangement works well when both spouses have employer coverage or when combining Medicare with supplemental insurance.
Our Review Methodology
Florida's health insurance market features primarily HMO plans. Our rankings focus heavily on monthly premiums because they represent your biggest ongoing expense. We also factor in financial protection limits and upfront costs that affect your total yearly spending.
Our Scoring System
We weighted three cost factors:
- Monthly premium (60%): Your recurring monthly payment carries the most weight. Lower premiums earn higher scores.
- Maximum out-of-pocket (20%): This caps your total yearly costs beyond premiums. Lower limits score better.
- Deductible (20%): What you pay before coverage kicks in. Lower deductibles receive higher scores.
Scores are normalized by filter combination. For Silver-tier HMO plans, the highest-rated provider gets 5.0 points. All others are scored relative to that top performer.
Sample Consumer Profile
We reviewed all 2026 Florida plans for ages 18, 26, 40, 50 and 60. Pricing reflects 40-year-olds unless otherwise stated. Our analysis covers Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum tiers.
Related Pages
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.