ACA Health Insurance > Break Down > Health Insurance in Florida
Health Insurance Florida: Your Roadmap to Affordable Coverage
From Miami to Jacksonville—We’ve Got Florida Covered.
Hey there, Florida neighbor! Thinking about health insurance but not sure where to start? Don’t worry—we’re here to walk you through it, step by step. Whether you’re new to this or just looking for a better option, this guide will help you understand what health insurance in Florida is all about. And we’ll keep things easy, friendly, and free of confusing jargon!
Why Should You Buy Health Insurance in Florida?
Let’s be real—no one plans to get sick or hurt. But when life throws a curveball, health insurance helps catch it. Whether it's a surprise visit to the ER, a prescription you didn’t expect, or just regular checkups, having a plan in place means you’re not stuck with a giant bill.
Here’s why it matters in Florida:
Florida has many residents without health insurance. Recent data shows that almost 13% of Floridians under 65 are uninsured. This rate is higher than the national average.
Unexpected medical costs are one of the leading causes of debt in the U.S. Health insurance protects you from paying full price out-of-pocket.
Many preventive services, like yearly checkups, vaccines, and screenings, are fully covered by ACA plans. This helps you stay healthier over time.
Even if you're young and healthy, insurance helps you catch issues early and avoid big costs later. So whether it’s a little help for your wallet or peace of mind for your family, getting covered just makes sense.
Types of Health Insurance Available in Florida
Marketplace Plans (ACA)
These are government-supported plans that cover things like check-ups, prescriptions, and emergencies.
Short-Term Insurance
Great if you need something quick while you're between jobs or waiting for long-term coverage. It usually covers emergencies and doctor visits, but not as many benefits as ACA plans.
Medicare
For folks 65 and older (or younger with certain disabilities). There are different parts—like Part A, B, C, and D—that cover hospital care, doctor visits, prescription drugs, and more.
Medicaid
Free or low-cost coverage for people with lower income. If you qualify, it can help pay for everything from regular checkups to hospital stays.
Private Insurance
Offered by companies directly, sometimes through your job. Some people also buy private plans if they don’t qualify for help on the Marketplace.
Compare plans based on price and benefits with us.
How Much Does Health Insurance Cost in Florida?
It depends on your age, where you live, and how much money you make. Good news: many Floridians qualify for help that lowers monthly costs (called premium tax credits).
Some plans can cost as little as $0 per month if you qualify. Yep, zero! On average, most people pay less than $50 a month after savings are applied. It’s worth checking even if you think you won’t qualify—many people are surprised by how much help they can get.
If you’re over 65, costs are different and depend on whether you choose Original Medicare, a Medicare Advantage Plan, or add a supplement.
I want to include an embedded calculator here.
How to Pick the Right Health Plan for You
Think about:
How often you go to the doctor
What medicines you take
Which doctors you want to keep seeing
Your budget
A good plan should cover what you need without breaking the bank. Some people choose low monthly premiums with higher deductibles, while others want more coverage upfront. If you’re not sure, don’t worry—our team can help walk you through the details.
Our Health Insurance Services in Florida
We know health insurance can feel confusing, but that’s where we come in. Our licensed agents in Florida are friendly and helpful. They are ready to make the process easy for you, no matter your situation.
Who We Help
Whether you:
Just turned 26 and need your first individual plan
Are self-employed and want coverage that fits your lifestyle
Are turning 65 and feeling overwhelmed by Medicare choices
Have a family and want a plan that covers everyone affordably
Or just want to talk with someone who gets it…
We’re here to help you sort through your options, answer your questions, and get you signed up—all at no cost to you.
What We Offer
We help with Social Security benefits. We also assist with special needs plans. This is for people who qualify for both Medicare and Medicaid. And yes, we speak Spanish too!
We also offer help with:
Dental and vision plans
Prescription discount programs
Short-term and indemnity coverage
Supplemental plans
Our mission is to give you real guidance without the guesswork. No sales pressure. No confusion. Just support you can count on.
How to Get Started
It's simple:
Click to compare plans.
Chat with an agent (if you want extra help).
Enroll online or by phone.
Boom. You’re covered.
Most Affordable Health Insurance in Florida
If you’re on a budget but still want quality coverage, the good news is that Florida has several companies offering great plans at affordable prices. Based on current marketplace offerings, here are three of the most affordable health insurance options in Florida for individuals and families:
UnitedHealthcare – Offers competitively priced plans with a solid provider network. Many of their Bronze and Silver plans come with low premiums and predictable copays.
Ambetter from Sunshine Health – Known for offering some of the lowest-cost ACA plans in Florida, Ambetter also includes extra wellness perks and discounts.
Oscar Health – A tech-friendly insurer with affordable pricing and easy-to-use virtual care features. Oscar is ideal for those who want digital-first service with budget-conscious premiums.
Each of these companies provides ACA-compliant coverage, meaning you still get free preventive care, prescription benefits, and essential health services—even with a lower premium.
As an independent agency, we can help you shop and compare plans across all these companies—and more—so you get the best match for your needs and budget. We work for you, not the insurance companies!
Top 3 Most Uninsured Cities in Florida
Health insurance gaps exist across the state, but some cities stand out for having higher rates of uninsured residents. If you live in or near these areas, you’re not alone—and we’re here to help change that:
Hialeah, FL – Consistently ranks among the highest in the nation for uninsured adults. Many residents work in small businesses or gig jobs that don’t offer coverage.
Miami, FL – While it’s a major metro area, a significant number of individuals in Miami lack health insurance, especially among younger adults and part-time workers.
Orlando, FL – Known for tourism and seasonal jobs, Orlando has a large workforce without employer-sponsored health plans, leading to high uninsured rates.
If you are in one of these cities or anywhere in Florida, we can help. We will find you affordable and quality coverage. It will meet your needs and fit your budget. Don't let your ZIP code stand between you and peace of mind.
Final Tip from Your Friendly Guide
Don’t wait until you get sick to think about health insurance. Let’s get you protected now, so you can enjoy Florida life with peace of mind.
Whether you're shopping for a plan or just have a question, we’re happy to help. Call us, message us, or start comparing plans online today. We’re just a click or call away!
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!