Updated: October 17, 2025
Advertising & Editorial Disclosure
Florida Health Care Plans offers Florida's best HMO health insurance with 97/100 scores and Silver plans starting at $557 monthly for adults.
Blue Cross Blue Shield offers the best EPO health insurance in Florida, where available, with average rates of around $658 per month.
Compare total yearly costs, not just premiums, since a $450 bronze plan might cost more than a $650 silver plan with lower deductibles.
Florida Health Care Plans scored a 97 on 100 with $557 monthly premiums, ranking as our top HMO choice in Florida. Health First Commercial works well if you are looking for cheap health insurance in Florida and qualify for low-income assistance. It costs $550 monthly and caps your yearly expenses at $3,706.
If these aren’t available in your area, BCBS, Molina and Ambetter provide excellent alternatives with competitive rates and solid coverage options.
HMO | Florida Health Care Plans | $557 | $8,370 | 97 |
EPO | Blue Cross Blue Shield | $657 | $8,083 | 100 |
People with low-income | Health First Commercial | $550 | $3,706 | 99 |
*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.
Florida Health Care Plans tops our rankings for best HMO plan Florida with a 97 MoneyGeek score, connecting members to over 9,500 health care providers across five Central Florida counties. Average Silver premiums run $557 monthly for 40-year-olds, with your annual out-of-pocket costs capped at $8,370, meaning you'll never pay more than that for covered care, even during serious medical emergencies.
The insurer's integrated care centers put doctors, pharmacies, labs and urgent care under one roof, saving you trips between multiple locations. HMO plans require choosing a primary care doctor who refers you to specialists, but emergency services get full coverage even out-of-network. After 50 years serving Florida, this regional carrier offers strong local relationships if you live in Brevard, Flagler, Seminole, St. Johns or Volusia counties.
Blue Cross Blue Shield (BCBS) of Florida earned our pick for best EPO health insurance company due to its material market share in Florida, strong brand recognition, and positive operating earnings over the past five years. With a highest MoneyGeek score and ranking #1 for affordability statewide, the company offers comprehensive coverage at competitive rates averaging $7,891 annually.
The strong MOOP score of 5 means you'll face lower maximum out-of-pocket costs than many competitors. Skip the waiting room with virtual visits to primary care doctors or specialists for as low as $0 copay on many plans.
With A+ Superior financial strength from AM Best and strong operating performance over five years, Florida Blue provides reliable coverage for budget-conscious Floridians, offering products in all 67 counties and becoming one of the largest providers of individual coverage among Blue Cross Blue Shield plans.
Health First Commercial offers the best health insurance for low-income people in Florida, with a MoneyGeek score of 99 out of 100. Silver plans cost $550 monthly for 40-year-olds, and the perfect affordability score reflects pricing that works for budget-conscious buyers. The near-perfect MOOP score caps your annual out-of-pocket spending at just $3,706, much lower than many competitors. If you qualify for federal subsidies based on income, your actual monthly cost drops even further, potentially to zero for households under 150% of the federal poverty level.
The company serves 14 Central Florida counties with 4,000+ providers and earned a 4.5-star CMS rating for Medicare plans. The strong denial score means you're less likely to face claim rejections when you need care covered.
Your city shapes what you'll pay for health insurance more than you might expect. Tampa residents find the lowest rates at $631 monthly with AvMed, while St. Petersburg faces the highest costs at $719 monthly through Molina. That's a 14% price difference just by crossing county lines. Miami, Jacksonville and Orlando fall in between, with AvMed offering competitive rates across most major markets.
Check your specific city in the table below to see which provider delivers the best value where you live.
| AvMed | $674 | $8,094 |
Florida health insurance costs vary widely based on your age and coverage needs. Young adults can find plans starting around $507 monthly, while coverage for children and teens costs less. Adults typically pay more, and seniors face the highest premiums. The table below shows average monthly costs across different age groups to help you budget accurately.
| Children | $379 | $4,549 |
| Teens | $452 | $5,429 |
| Young Adults | $507 | $6,089 |
| Adults | $633 | $7,600 |
| Seniors | $1,115 | $13,380 |
Florida insurers can only use four factors when setting your health insurance premiums, thanks to the Affordable Care Act regulations. Understanding these factors helps you anticipate costs and make smarter coverage decisions. While you can't control your age or where you live, knowing how each element impacts your premium gives you the power to budget accurately and choose the right plan for your situation.
Your age creates the most significant premium differences. Insurers can charge older adults higher premiums than younger people for identical coverage. A 60-year-old pays substantially more than a 30-year-old, even when purchasing the same Silver plan from the same company.
Your county determines your premium costs. Urban areas like Miami-Dade and Broward typically charge higher rates than rural counties, reflecting differences in health care costs and provider networks.
If you use tobacco you will face a surcharge on your monthly premiums. If you smoke or use tobacco products, insurers add a percentage to your base premium. Quitting tobacco can significantly reduce your costs during the next enrollment period.
Adding family members to your plan increases your total premiums. Each person you cover contributes to your monthly cost, though children typically cost less than adults. Family plans cover you, your spouse and dependent children under one policy.
Finding the right health insurance in Florida doesn't have to overwhelm you. Follow these steps to secure coverage that fits your needs and to ensure that you buy health insurance that is ideal for you.
Start with Florida's company search at companysearch.myfloridacfo.gov to verify which insurers are licensed in your area. Florida Blue covers all 67 counties, while others like AvMed serve only specific regions.
List your current medications, preferred doctors, and ongoing conditions. You'll want a plan with lower copays and deductibles if you visit specialists monthly. Healthy individuals might save money with higher-deductible bronze plans. Compare health insurance plan types to understand the differences between HMO, PPO, POS and EPO.
Don't focus solely on monthly payments. If you need regular care, a $450 bronze plan with a $7,000 deductible might cost more annually than a $650 silver plan with a $3,000 deductible. Calculate premiums plus deductibles plus maximum out-of-pocket expenses.
Look up your medications on each insurer's formulary. Generic drugs might cost $10 in one plan but $50 in another. Specialty medications show even bigger price differences.
Individuals earning up to $62,600 or families of four earning up to $128,600 qualify for premium tax credits in Florida. Use Healthcare.gov's calculator to estimate your savings. Adults 65+ should consider Medicare Supplement plans or Medicare Advantage options for comprehensive coverage.
Florida Health Care Plans earned our top pick for Florida health insurance with HMO Silver-tier plans at $557 monthly for adults. If they don't cover your area, you'll find solid options with Health First, Oscar, Molina or Ambetter. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Here's what matters: look at your total yearly costs, not just that monthly premium number.
We've compiled answers to the most frequently asked questions to help you make an informed decision:
When finding the best health insurance plan, compare both premium costs and coverage breadth to ensure the plan meets your specific medical needs without gaps in essential services. The ideal plan balances affordability with comprehensive coverage that aligns with your health requirements and anticipated medical expenses.
The best health insurance in Florida for young adults is Florida Health Care Plans, which offers Silver plans starting at $441 monthly with a MoneyGeek score of 95. It excels in member satisfaction and coordinated care, though coverage is limited.
The best health insurance in Florida for kids is AvMed, which costs $429 monthly or $5,149 annually. It provides comprehensive pediatric coverage with strong hospital partnerships, making it ideal for families seeking quality children's health benefits.
You can buy Florida health insurance through Healthcare.gov during Open Enrollment or after qualifying life events. Start by checking which companies serve your county at companysearch.myfloridacfo.gov, then compare total costs including deductibles and out-of-pocket maximums, not just monthly premiums.
In Florida, Health First Commercial Plans, Inc. provides the most affordable health insurance with Silver plans for a typical adult with low income costing $550 monthly and totaling $6,598 annually. It provides budget-friendly comprehensive coverage with excellent claims processing.
To rank health care insurance providers in Florida, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.
We weighted most categories as follows:
In some cases, we adjusted the weightings as follows:
Sample Consumer:
MoneyGeek collected data on all available plans in Florida for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
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.
