Best Health Insurance Companies in Florida for 2023

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When shopping for health insurance in Florida, you are not short of great options. However, the best solution for you will depend on your situation. Are you willing to pay a little more to get full coverage with all the features? BCBS will be the best fit. Or maybe you qualify for the premium tax credit and can get an otherwise expensive premium reduced to nearly $0.

Are you looking for an ultra-affordable plan up front instead? A Molina Healthcare bronze plan could be the way to go. But Oscar gives you more for your money with wider coverage and more generous features.

Frequently Asked Questions

How much does health insurance cost in Florida?

In Florida, the health insurance cost will depend on the provider, plan and features you choose. Personal details such as your age, medical history and lifestyle will also be factors.

For example, Bronze Plan premiums averaged about $283 per month for a 25-year-old man in Florida, compared to about $783 per month for a 60-year-old man. Additionally, silver plan premiums for a 25-year-old Floridian averaged $355 per month, while gold plans averaged $401 per month.

Higher tier metal plans incur higher costs and people who smoke will pay more. That said, you may be able to significantly reduce your monthly cost if you qualify for a premium tax credit. You can also save by shopping around, as costs can vary widely between providers.

How to get health insurance in Florida?

In Florida you can get health insurance coverage during open enrollment via Qualifying events, such as loss of coverage or marriage, may also allow you to register outside of the official open registration period. Additionally, when available, Floridians can obtain coverage through their employers.

When is enrollment open for health insurance?

In most states, open enrollment for 2023 health insurance coverage begins November 1, 2022 and ends January 15, 2023. To be eligible, you must live in the United States and be a US citizen or national. You also cannot be incarcerated and cannot have health insurance coverage.

If you enroll before Thursday, December 15, coverage can begin January 1, 2023. If you enroll between December 16 and January 15, your coverage will begin February 1, 2023.

What is the premium tax credit?

A premium tax credit is a tax credit that can help eligible Americans pay for health insurance plans purchased through the Health Insurance Marketplace or their state exchange. To be eligible, your household income must be at least 100% and at most 400% of the federal poverty level. However, for the 2021 and 2022 tax years, the American Rescue Plan of 2021 (ARPA) temporarily removed the rule disqualifying households with incomes above 400% of the poverty level.

If you qualify, you can receive advance payments that cover some or all of your health insurance premiums each month. For example, if your plan costs $650 per month and you qualify for a premium tax credit of $600 per month, you will only have to pay $50 per month to maintain coverage. The other option is to prepay and claim the credit when you file your taxes.

To qualify for a PTC, you must purchase a plan through the Marketplace, and it must be your only option for affordable coverage (for example, you are not eligible for government health coverage or a government-sponsored plan). employer who offers a minimum value).


To determine the best health insurance companies in Florida, we considered criteria in the following categories.

Client satisfaction: We considered NCQA rankings and rankings, as well as JD Power customer satisfaction rankings.

Package Features: For each company, we researched whether they offered the following:

  • Types of packages: HMO, PPO, EPO, POS and other types of plans
  • Benefits of the plan: Programs to help manage asthma, heart disease, depression, diabetes, pain, high cholesterol and blood pressure, pregnancy, low back pain and weight loss
  • Dental coverage: Coverage for children’s dental, adult dental, both or neither
  • Metal levels: Bronze, silver, gold and platinum plans and catastrophic coverage

Cost to value: We compared physician copayments, specialist copayments, monthly premiums, and deductibles for bronze, silver, gold, platinum, and catastrophic plans across different age groups in Florida.

About Valerie Wilson

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