Best Health Insurance Companies in Florida for 2026
Florida Blue is the best overall, but Capital Health, Health First are also worth a look
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- Florida Blue is our pick for best health insurance company in Florida. It offers a wider variety of plans than most other companies and is available statewide.
- Capital Health and Health First are good regional companies to consider.
- Health insurance in Florida costs an average of $693 a month for Silver marketplace HMOs.
Best health insurance in Florida
Flexible coverage options help make Florida Blue the best health insurance company in Florida. It’s available in every Florida county and offers a wide range of plans.
Other companies stand out for different reasons. Capital Health Plan has the state’s best ratings for its health maintenance organization (HMO) plans.
Health First has the cheapest HMOs in central Florida. AmeriHealth Caritas is the cheapest option in South Florida. It’s good to compare health insurance quotes from a few companies to find the best plan.
Best Florida health insurance company overall: Florida Blue
Monthly rate (Silver HMOs): $688
Why we chose it: Florida Blue offers a greater variety of plans than most other companies. It offers all the major plan types. These include HMOs as well as preferred provider organization (PPO) and exclusive provider organization (EPO) plans.
Who it’s best for: Florida Blue is best for most Floridians because its wide variety of plans gives you more options to choose from. For example, it offers PPO and EPO plans, which let you see specialists without first getting a referral from your primary doctor. (EPO plans don’t allow you to go out-of-network, however.)
Florida Blue HMOs get an average rating of 3 from the Centers for Medicare & Medicaid (CMS)
PROS
- More coverage options than most other companies
- Available statewide
- Good NAIC complaint score
CONS
- Other companies have cheaper rates
- Capital Health Plan has better CMS ratings
Best plan ratings: Capital Health Plan
Monthly rate (Silver HMOs): $618
Why we chose it: Capital Health Plan has received CMS’s highest overall quality rating of 5. And at $618 a month, its rates are 11% less than the state average for Silver HMOs. Capital Health also has the state’s cheapest Bronze HMOs.
Who it’s best for: Capital Health Plan is best for Tallahassee-area residents who want quality care. Its high CMS rating means its plans are well-run and get great customer feedback. Affordable rates make it a good option in the nine northern Florida counties it serves.
Capital Health’s NAIC score isn’t that great, however. The NAIC found the company had 40% more confirmed complaints than average in 2025.
PROS
- Highest possible CMS plan ratings
- Silver HMO rates are 11% less than state average
- Cheapest Bronze HMOs in Florida
CONS
- Only available in nine Tallahassee-area counties
- Worse-than-average complaint score
Best Florida health insurance rates: Health First
Average monthly rate (Silver HMO): $596
Why we chose it: Health First charges an average of $596 a month for Silver HMOs. This is the cheapest rate in Florida and 14% less than the state average.
Who it’s best for: Health First is best for residents who live in east central Florida, are looking for cheap rates and can work with mixed customer service. Health First gets a rating of 2 from the CMS, which indicates some customers aren’t happy with the service they’ve received. However, its 0.5 rating from NAIC is great. That means the NAIC found that the company had half as many complaints as average in 2025.
At $8,019, the maximum out-of-pocket limits for Health First’s Silver HMOs are about $1,100 less than the state average. Lower limits protect you from larger expenses if you get sick or injured. Health First is available in five Orlando-area counties.
PROS
- Cheapest Silver HMO rates in Florida
- Excellent NAIC complaint rating
- Lower out-of-of pocket costs than most other companies
CONS
- Only available in five counties in east central Florida
- CMS ratings are just average
Best Miami-area rates: AmeriHealth Caritas Next
Average monthly rate (Silver HMOs): $643
Why we chose it: At $643 a month, AmeriHealth Caritas has the Miami area’s cheapest average Silver HMO rate. The company offers plans in the Orlando area, too.
Who it’s best for: AmeriHealth Caritas Next is best for price-conscious Floridians who live in the southern and central parts of the state. In addition to low rates, AmeriHealth Caritas plans have lower deductibles than average for Silver HMOs. This means you spend less out of your own pocket before your coverage kicks in.
PROS
- Cheapest Silver HMO rates in Miami area
- Low deductibles for Silver HMOs
- Bronze HMO rates are 14% less than state average
CONS
- Only available in and around Miami and Orlando
- Bronze plan deductibles are relatively high
Compare health insurance plans in Florida
| Company | NAIC rating | CMS score | Monthly rate | |
|---|---|---|---|---|
| Health First | 0.5 | 2 | $596 |
| Capital Health | 1.4 | 5 | $618 |
| AmeriHealth Caritas | 0.0 | N/A | $643 |
 | Florida Health | 0.8 | 4 | $650 |
 | Oscar | 0.7 | 3 | $653 |
 | 22 Health | N/A | N/A | $658 |
 | Wellpoint | 0.1 | N/A | $664 |
 | Ambetter | 0.2 | 3 | $677 |
 | Molina | 1.2 | 3 | $685 |
| Florida Blue | 0.7 | 3 | $688 |
 | AvMed | 0.3 | 3 | $770 |
 | UnitedHealthcare | 0.9 | 2 | $786 |
LendingTree analyzed companies in the Health Insurance Marketplace to find the best options for you and your family.
Our team evaluated the costs of marketplace plans and customer service ratings from reliable industry and government sources.
See our full methodology.
Average cost of health insurance in Florida
The average cost of health insurance in Florida is $693 a month for Silver marketplace HMOs. The price you pay depends on factors like your age, location and your plan’s features. You’ll pay less if you qualify for subsidies, or financial aid.
Marketplace plans are offered in metal tiers. Gold and Platinum plans cost more than Silver plans, while Bronze plans are cheaper.
Health insurance rates by metal tier
| Plan tier | Average monthly rate |
|---|---|
| Bronze | $553 |
| Silver | $693 |
| Gold | $736 |
| Platinum | $1,154 |
In addition to your monthly rate, it’s important to account for your out-of-pocket costs for doctor visits, tests and other services. These costs include:
- Your plan’s deductible: This is the amount you pay for care during the year before your plan starts paying for services.
- Coinsurance: This is the percentage of costs you cover after you’ve met your deductible. If your plan has 30% coinsurance, your insurer covers 70% of eligible expenses. You’re responsible for the rest.
- Copayments: These flat fees for some services help keep your out-of-pocket costs affordable. Copayments usually don’t count toward your deductible.
- Out-of-pocket limit: Your policy’s out-of-pocket limit is the most you have to pay for care in a year. Your insurer covers eligible expenses above this amount. This protects you from larger costs if you need extensive care for an injury, illness or something else.
Bronze plans usually have higher deductibles and out-of-pocket limits than other metals. Gold and Platinum plans cost the most upfront but have the lowest out-of-pocket requirements.
It’s important to keep all these costs in mind to find the most affordable health insurance plan for your situation.
Which health insurance plan tier should I choose?
The best metal tier for you depends largely on the amount of care you usually need.
- A Bronze plan is a good choice if you primarily just need a wellness visit and basic screenings each year. However, in exchange for lower monthly rates, you will have to pay more of your own money when you get additional care. Expanded Bronze plans have lower out-of-pocket costs for some services.
- Silver plans balance affordable monthly rates with reasonable out-of-pocket costs. These are good if you usually need a few doctor visits and/or medical tests each year.
- Gold and Platinum plans can be good choices if you need to visit doctors and/or get tested several times a year.
You can usually get a Catastrophic plan if you’re under 30 or meet other requirements. These usually cover a few routine doctor visits and screenings each year, but not much else.
Health insurance costs by metal tier
| Metal level | Monthly rate | Deductible | Out-of-pocket limit |
|---|---|---|---|
| Bronze | $553 | $6,087 | $10,205 |
| Silver | $693 | $5,873 | $9,121 |
| Gold | $736 | $1,435 | $7,804 |
| Platinum | $1,154 | $0 | $4,292 |
| Catastrophic | $444 | $10,600 | $10,600 |
Florida health insurance rates by county
The cost and availability of Florida health insurance plans vary by county. The cheapest plan for you may be different from the best deal for a friend who lives across the state.
For example, Ambetter has the cheapest Silver plan in Duval County at $567 a month. However, Florida Blue has the cheapest Silver plan in Miami-Dade at $606 a month.
| County | Average rate | Cheapest company | Cheapest plan | Cheapest monthly rate |
|---|---|---|---|---|
| Alachua | $758 | Ambetter | Clarity Silver | $616 |
| Baker | $776 | Ambetter | Clarity Silver | $586 |
| Bay | $692 | Ambetter | Clarity Silver | $568 |
| Bradford | $772 | Ambetter | Clarity Silver | $581 |
| Brevard | $692 | Ambetter | Clarity Silver | $498 |
| Broward | $737 | Florida Blue | myBlue Silver 26M03-02 | $601 |
| Calhoun | $683 | Ambetter | Clarity Silver | $531 |
| Charlotte | $712 | Ambetter | Clarity Silver | $585 |
| Citrus | $698 | Ambetter | Clarity Silver | $585 |
| Clay | $757 | Oscar | Silver Simple PCP Saver | $625 |
| Collier | $770 | Ambetter | Clarity Silver | $648 |
| Columbia | $844 | Ambetter | Clarity Silver | $663 |
| Desoto | $803 | Ambetter | Clarity Silver | $593 |
| Dixie | $830 | Ambetter | Clarity Silver | $674 |
| Duval | $733 | Ambetter | Clarity Silver | $567 |
| Escambia | $692 | Ambetter | Clarity Silver | $569 |
| Flagler | $817 | Oscar | Silver Simple PCP Saver | with AdventHealth | $616 |
| Franklin | $675 | Ambetter | Clarity Silver | $544 |
| Gadsden | $742 | Ambetter | Clarity Silver | $566 |
| Gilchrist | $830 | Ambetter | Clarity Silver | $661 |
| Glades | $889 | Ambetter | Clarity Silver | $722 |
| Gulf | $703 | Ambetter | Clarity Silver | $569 |
| Hamilton | $1,288 | Ambetter | Clarity Silver | $1,052 |
| Hardee | $989 | Ambetter | Clarity Silver | $738 |
| Hendry | $802 | Wellpoint | Wellpoint Essential Silver 3500 | $685 |
| Hernando | $679 | Oscar | Silver Simple PCP Saver | $577 |
| Highlands | $829 | Ambetter | Clarity Silver | $559 |
| Hillsborough | $716 | Florida Blue | myBlue Silver 26M03-02 | $573 |
| Holmes | $666 | Ambetter | Clarity Silver | $548 |
| Indian River | $699 | Ambetter | Clarity Silver | $492 |
| Jackson | $762 | Ambetter | Clarity Silver | $643 |
| Jefferson | $763 | Ambetter | Clarity Silver | $520 |
| Lafayette | $936 | Ambetter | Clarity Silver | $825 |
| Lake | $710 | Ambetter | Clarity Silver | $557 |
| Lee | $827 | UnitedHealthcare | UHC Silver Value | $633 |
| Leon | $697 | Capital Health Plan | Capital Health Plan HMO Silver 2400 | $532 |
| Levy | $801 | Ambetter | Clarity Silver | $645 |
| Liberty | $691 | Ambetter | Clarity Silver | $555 |
| Madison | $700 | Ambetter | Clarity Silver | $543 |
| Manatee | $723 | Ambetter | Clarity Silver | $587 |
| Marion | $730 | Ambetter | Clarity Silver | $582 |
| Martin | $746 | Wellpoint | Wellpoint Essential Silver 3500 | $626 |
| Miami-Dade | $767 | Florida Blue | myBlue Silver 26M03-02 | $606 |
| Monroe | $1,428 | Florida Blue | BlueSelect Silver 1443 | $1,130 |
| Nassau | $880 | Ambetter | Clarity Silver | $693 |
| Okaloosa | $745 | Ambetter | Clarity Silver | $594 |
| Okeechobee | $844 | Ambetter | Clarity Silver | $646 |
| Orange | $735 | Ambetter | Clarity Silver | $600 |
| Osceola | $767 | Ambetter | Clarity Silver | $581 |
| Palm Beach | $728 | Wellpoint | Wellpoint Essential Silver 3500 | $599 |
| Pasco | $715 | Oscar | Silver Simple PCP Saver | with AdventHealth | $586 |
| Pinellas | $710 | Florida Blue | myBlue Silver 26M06-03 | $569 |
| Polk | $741 | Ambetter | Clarity Silver | $575 |
| Putnam | $797 | Ambetter | Clarity Silver | $640 |
| Saint Johns | $725 | Ambetter | Clarity Silver | $581 |
| Saint Lucie | $798 | Cigna | Partnered Care Classic Silver | $695 |
| Santa Rosa | $789 | Ambetter | Clarity Silver | $655 |
| Sarasota | $727 | Ambetter | Clarity Silver | $598 |
| Seminole | $787 | Oscar | Silver Simple PCP Saver | with AdventHealth | Silver Simple PCP Saver | with AdventHealth |
| Sumter | $674 | Ambetter | Clarity Silver | $536 |
| Suwannee | $835 | Ambetter | Clarity Silver | $660 |
| Taylor | $813 | Florida Blue | myBlue Silver 26M06-03 | $728 |
| Union | $968 | Ambetter | Clarity Silver | $791 |
| Volusia | $766 | Oscar | Silver Simple PCP Saver | with AdventHealth | $605 |
| Wakulla | $750 | Ambetter | Clarity Silver | $525 |
| Walton | $749 | Ambetter | Clarity Silver | $591 |
| Washington | $850 | Ambetter | Clarity Silver | $748 |
What to know about Florida’s Health Insurance Marketplace
Recent rollbacks of enhanced subsidies
It’s also good to keep money in the bank to cover your out-of-pocket medical expenses. Many high-deductible plans let you use a health savings account (HSA) for these costs. You can deposit money into an HSA on a tax-free basis and use it to cover out-of-pocket health care costs. Bronze and Catastrophic plans are usually HSA-eligible.
Some direct primary care plans, where you bypass traditional insurance and instead pay a membership fee to see your primary physician, also became eligible for HSAs in 2026.
How to choose a marketplace health insurance plan
The health insurance exchange, available at Healthcare.gov, offers marketplace insurance plans across Florida.
All plans sold on the exchange comply with the Affordable Care Act (ACA). They offer essential health benefits
You can bypass the exchange and shop for health care on your own or with a broker. The options available off the exchange include:
- ACA-compliant metal plans similar to those on the exchange
- Private health insurance plans that don’t meet ACA requirements
Short-term health insurance
How does financial aid work for Florida health insurance?
The main forms of financial aid, or subsidies, for marketplace health insurance plans include:
- Premium tax credits: These help lower your monthly payments. You can use them for a plan in any metal tier.
- Cost-sharing reductions: These lower your deductibles, coinsurance and copayments for Silver plans. This reduces your out-of-pocket costs for doctor visits and other care.
You have to meet certain income requirements to qualify for these programs. The income limits for premium tax credits in 2026 are $63,840 for individuals and go up by family size. Cost-sharing reductions have lower cutoffs.
You can find out if you can get subsidies and how much you can save on the exchange. You just have to enter information about your income and family in the prompts.
Health care for low-income Florida residents
Medicaid covers some medical services for low-income Florida individuals and families. It’s available to parents, children, pregnant women and others. The income limits for getting Medicaid depend on factors like your family size and the age of children.
Services covered by Medicaid include:
- Preventive care
- Prescription drugs
- Lab work
- Maternity and newborn care
- Mental health and substance use disorder therapy
Florida KidCare provides Children’s Health Insurance Program (CHIP) coverage in Florida. This is federally funded free or low-cost health and dental insurance for children in low-income families.
The organization coordinates services based on each child’s age, financial situation and medical needs. It serves children from birth to age 19. If you’re eligible, you can sign up any time of year.
How LendingTree helps you find the right health insurance
Shopping for health insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers and find coverage that fits your needs and budget.
How it works
Tell us about yourself
Answer a few quick questions about you and your family.
Compare options from insurers
See rates and other coverage details for health care providers in your area.
Choose the right policy
Review your options and pick the plan that fits your needs and budget.
Frequently asked questions
Not really. There’s no longer a federal tax penalty for not having health insurance. Florida does not have any state penalties for not having health insurance, either.
Open enrollment for Florida’s marketplace health insurance plans runs from Nov. 1 to Jan. 15. Anyone can sign up for a new plan or change their coverage options during this time.
You can only get a new plan outside open enrollment under special circumstances, or what the government calls a “qualifying life event.” These include getting married, having a child and losing coverage through a job change.
Open enrollment for Medicare runs from Oct. 15 to Dec. 7.
Some low-income Florida residents can get free or low-cost health insurance through Medicaid. The amount you pay for treatment depends on factors like your income and family size. Florida KidCare offers free or low-cost health care to children in low-income families.
Methodology
How we selected the best health insurance companies in Florida
LendingTree evaluated companies with marketplace plans on key factors to identify the best ones for you.
Rates
Rates are obtained from public use files from the National Health Insurance Marketplace. To compare prices, we use Silver plan rates for a 30-year-old, unless otherwise noted. Your actual cost may vary based on age, location, income, tobacco use, household size and the plan you choose.
Complaint ratings
Complaint ratings are from the National Association of Insurance Commissioners (NAIC) 2025 Complaint Index for individual accident and health plans. The average rating is 1.0.
A 2.0 rating means a company has twice as many confirmed complaints as average for its size. A 0.5 rating means half as many. A complaint is confirmed if it leads to a finding of fault.
CMS scores
CMS (Centers for Medicare & Medicaid) scores show a plan’s overall quality rating for each company’s plans. CMS rates plans on a 5-point scale, with 5 being the best score. The ratings are based on factors like how easy it is to get care, how well plans are run and member feedback. Some plans aren’t rated, including new ones and those with low enrollment.
Most companies with marketplace plans offer similar coverage options off the exchange. You can shop off the exchange by visiting company websites or with help from a health insurance broker. Just be mindful that some off-exchange plans provide less coverage than those on the exchange.
See our full editorial guidelines for further details.