Health insurance prices in Florida (2026)
410 marketplace plans from 13 insurers across 67 counties. Official marketplace: HealthCare.gov.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $427–$1,389 (typical $657) · Silver $554–$2,203 (typical $789) · Gold $545–$2,254 (typical $880) · Platinum $900–$3,051 (typical $1,484) · Catastrophic $282–$637 (typical $531)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 67) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Capital Health Plan | 9 | 8 | $458 | $504 | $680 | $692 | Capital Health Plan HMO Bronze 1100 |
| Health First Commercial Plans | 5 | 24 | $445 | $548 | $685 | $656 | Bronze Value 1814 (High Value Network Savings, Open Access) |
| AmeriHealth Caritas Next | 7 | 8 | $511 | $534 | $721 | $787 | AmeriHealth Caritas Next Bronze Essential + No Referrals |
| Oscar Health | 32 | 34 | $473 | $564 | $721 | $663 | Bronze Simple Breathe Easy with Enhanced COPD Benefits |
| Ambetter (Centene) | 63 | 45 | $436 | $580 | $737 | $740 | Everyday Bronze |
| 22 Health | 1 | 5 | $531 | $531 | $742 | $722 | Bronze 22 Health |
| Wellpoint (Elevance Health) | 24 | 13 | $504 | $583 | $753 | $825 | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) |
| Molina Healthcare | 20 | 22 | $526 | $636 | $758 | $805 | Molina Bronze Standard |
| Florida Health Care Plans | 5 | 23 | $427 | $605 | $784 | $834 | Gym Access IND Bronze HMO 1340 |
| Florida BlueFlorida Blue (Blue Cross Blue Shield company) | 67 | 116 | $489 | $738 | $813 | $1,128 | myBlue Bronze 26M01-23 (Rewards) |
| AvMed | 22 | 64 | $550 | $646 | $826 | $884 | AvMed Entrust Expanded Bronze Standard (2026) |
| Cigna HealthcareCigna Group | 11 | 31 | $520 | $583 | $854 | $738 | Connect Bronze Mid-South CMS Standard |
| UnitedHealthcareUnitedHealth Group | 32 | 17 | $539 | $665 | $876 | $972 | UHC Bronze Essential- ($0 Virtual Urgent Care) |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $427 | $657 | $1,389 | 125 | $6,150 | $10,150 | $17,972 |
| Silver | $554 | $789 | $2,203 | 161 | $6,000 | $8,900 | $18,596 |
| Gold | $545 | $880 | $2,254 | 97 | $1,500 | $8,100 | $18,326 |
| Platinum | $900 | $1,484 | $3,051 | 25 | $0 | $4,000 | $22,383 |
| CatastrophicUnder 30 or hardship exemption only | $282 | $531 | $637 | 2 | $10,600 | $10,600 | $16,971 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Florida
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Alachua County | 4 | 101 | $546 | $640 | $773 |
| Baker County | 4 | 124 | $520 | $712 | $793 |
| Bay County | 3 | 106 | $501 | $615 | $710 |
| Bradford County | 4 | 105 | $515 | $661 | $778 |
| Brevard County | 7 | 152 | $427 | $571 | $735 |
| Broward County | 10 | 197 | $501 | $622 | $733 |
| Calhoun County | 4 | 83 | $471 | $614 | $681 |
| Charlotte County | 3 | 110 | $519 | $618 | $760 |
| Citrus County | 3 | 106 | $518 | $608 | $740 |
| Clay County | 5 | 146 | $516 | $682 | $816 |
| Collier County | 6 | 131 | $569 | $654 | $799 |
| Columbia County | 3 | 105 | $588 | $767 | $828 |
| DeSoto County | 5 | 115 | $526 | $693 | $890 |
| Dixie County | 2 | 72 | $595 | $733 | $823 |
| Duval County | 5 | 142 | $501 | $659 | $731 |
| Escambia County | 4 | 123 | $501 | $616 | $708 |
| Flagler County | 5 | 122 | $508 | $685 | $868 |
| Franklin County | 3 | 66 | $482 | $591 | $693 |
| Gadsden County | 4 | 83 | $501 | $652 | $774 |
| Gilchrist County | 2 | 72 | $586 | $738 | $822 |
| Glades County | 3 | 50 | $622 | $675 | $887 |
| Gulf County | 2 | 77 | $505 | $619 | $721 |
| Hamilton County | 2 | 52 | $933 | $1,040 | $1,298 |
| Hardee County | 5 | 126 | $654 | $876 | $1,115 |
| Hendry County | 4 | 96 | $595 | $672 | $836 |
| Hernando County | 3 | 106 | $477 | $589 | $722 |
| Highlands County | 3 | 94 | $496 | $733 | $809 |
| Hillsborough County | 7 | 173 | $478 | $625 | $725 |
| Holmes County | 2 | 58 | $486 | $576 | $684 |
| Indian River County | 5 | 121 | $436 | $610 | $739 |
| Jackson County | 2 | 58 | $570 | $679 | $803 |
| Jefferson County | 4 | 83 | $461 | $706 | $854 |
| Lafayette County | 2 | 58 | $732 | $815 | $1,029 |
| Lake County | 9 | 196 | $494 | $597 | $793 |
| Lee County | 5 | 132 | $539 | $764 | $848 |
| Leon County | 5 | 98 | $458 | $618 | $735 |
| Levy County | 2 | 72 | $566 | $697 | $783 |
| Liberty County | 4 | 83 | $492 | $599 | $715 |
| Madison County | 4 | 83 | $482 | $617 | $732 |
| Manatee County | 5 | 136 | $521 | $627 | $757 |
| Marion County | 7 | 173 | $514 | $614 | $789 |
| Martin County | 5 | 134 | $536 | $639 | $770 |
| Miami-Dade County | 9 | 189 | $502 | $640 | $755 |
| Monroe County | 1 | 33 | $949 | $1,054 | $1,300 |
| Nassau County | 3 | 86 | $609 | $760 | $857 |
| Okaloosa County | 3 | 106 | $527 | $661 | $774 |
| Okeechobee County | 2 | 72 | $573 | $733 | $813 |
| Orange County | 10 | 208 | $501 | $624 | $738 |
| Osceola County | 9 | 192 | $494 | $627 | $753 |
| Palm Beach County | 9 | 195 | $496 | $617 | $765 |
| Pasco County | 7 | 173 | $483 | $624 | $722 |
| Pinellas County | 6 | 149 | $473 | $638 | $689 |
| Polk County | 6 | 159 | $509 | $655 | $765 |
| Putnam County | 2 | 58 | $567 | $674 | $799 |
| Santa Rosa County | 4 | 123 | $577 | $698 | $831 |
| Sarasota County | 4 | 119 | $530 | $633 | $764 |
| Seminole County | 10 | 215 | $508 | $665 | $813 |
| St. Johns County | 5 | 143 | $481 | $638 | $759 |
| St. Lucie County | 5 | 115 | $531 | $683 | $831 |
| Sumter County | 2 | 91 | $475 | $610 | $714 |
| Suwannee County | 3 | 86 | $585 | $733 | $816 |
| Taylor County | 3 | 64 | $625 | $723 | $875 |
| Union County | 3 | 72 | $701 | $894 | $995 |
| Volusia County | 7 | 154 | $496 | $634 | $781 |
| Wakulla County | 4 | 83 | $466 | $671 | $840 |
| Walton County | 3 | 106 | $524 | $676 | $746 |
| Washington County | 2 | 58 | $664 | $744 | $933 |
To compare insurance plans side by side (or with health sharing), open your county.