Florida leads with the highest number of people, with nearly 1.7 million residents enrolled in the Affordable Care Act plans. Beyond these primary plans, there are also options like short-term and other insurance coverages.

But remember, each state, including Florida, has its own insurance guidelines, influencing coverage costs, requirements, and the options available. So before choosing a plan, we recommend checking Florida's specific health insurance options and terms.

Cheap Full Coverage Health Insurance in Florida

Like many states, Florida uses a federally-run health marketplace. This means that residents who choose qualified insurance have to register each year to renew their policy. Residents also have the option to choose from a variety of non-qualified plans at a lower cost.

Here are the major differences between qualified and non-qualified plans:

Qualified plans adhere to the Affordable Care Act (ACA) standards, ensuring coverage for the ten Essential Health Benefits. These benefits guarantee coverage for individuals regardless of age, gender, or lifestyle choices.

On the other hand, Non-qualified plans might not fulfill all federal criteria. However, they're notably more affordable and come with a range of coverage options.

On the other hand, Non-qualified plans might not fulfill all federal criteria. However, they're notably more affordable and come with a range of coverage options.

To better understand what is best for you, learn more about the Florida health insurance marketplace through AHiX.

Florida Health Insurance Expenses

Until 2017, federal law mandated everyone to have health insurance or face a fine. When they revoked this law, states individually chose whether to enforce it. Florida currently doesn't enforce this, so residents can choose to go uninsured. However, with medical costs being a top cause of U.S. debt, having insurance can crucially prevent financial crises during emergencies.

Health care plans cover your medical expenses up to a specific limit. After reaching that limit, the insurer manages the rest. The type of insurance you select will affect your monthly premiums and coverage types.

After choosing your insurer, you can choose the type of coverage you want:

While these plan types don't alter the care you get, they do influence your out-of-pocket costs. Bronze plans will have lower monthly premiums, whereas platinum plans are among the most expensive premiums in the country. And, when buying coverage, you could either cover yourself or you and your dependents.

Bronze
Bronze

40% out of pocket and 60% insurer pays

Silver
Silver

30% out of pocket and 70% insurer pays

Gold
Gold

20% out of pocket and 80% insurer pays

Platinum
Platinum

10% out of pocket and 90% insurer pays

Although these plan types don't change the kind of care you receive, they do affect how much you pay directly out of pocket. Bronze plans will have lower monthly premiums, whereas platinum plans are among the most expensive premiums in the country. And, when buying coverage, you could either cover yourself or you and your dependents.

Florida Health Insurance Plans for Individuals

Individual health insurance is a type of coverage you can purchase for yourself, making it perfect for single adults without children. These plans offer flexibility, letting married couples choose joint or individual coverage. You can Buy optimal health coverage in Florida from qualified companies, public marketplaces, your job, or programs like Medicare and Medicaid.

In Florida, many people opt for qualified health coverage, with typical premium costs as follows: (Age 40, Zip code 32789):

  • Single Adult

    Single adult

    $611
  • Married Couple

    Married Couple

    $1,588

These plans cover the Essential Health Benefits, meaning they are among the most expensive options in the nation. If you're looking for cheapest health insurance plans in Florida, you can also explore a range of non-qualified plans.

Florida Health Insurance Plans for Family

Family health insurance is ideal for families with children. These plans are generally more expensive, but they do cover everybody under a single policy. Just like individual plans, you can buy family coverage through qualified companies, the Florida marketplace, or from your job.

Under qualified plans, you can expect the average monthly premium costs to be: (Age 40, Zip code 32789)

  • Health Maintenance Organization

    A married couple with one child

    $1,588
  • Health Maintenance Organization

    A married couple with two children

    $1,954
  • Health Maintenance Organization

    A married couple with three children

    $2,319

Social programs like Medicare and Medicaid usually don't include dependents, except in rare cases, making them less suitable for families. If you don't qualify for a government subsidy and a qualified plan seems pricey, you might think about non-qualified plans. These plans are cheaper but still offer substantial coverage for the whole family.

Florida Short Term Health Insurance

Florida Short-Term Health Plans

Short term health insurance plans are temporary policies made for individuals and families that do not have insurance.In Florida,temporary health insurance plans can only last for up to three months initially. If you renew the policy, it can only be extended to a total of four months.

They are typically ideal for people in specific situations, such as:

  • For People who are between jobs and waiting for their new employer-based coverage to start.
  • Young adults who are no longer on their parent's health insurance plan.
  • Suitable for those who are waiting to become eligible for Medicare.

Recently, Our short-term health plans in Florida now follow the latest regulations. These plans offer an initial term of up to three months, with a maximum total duration of four months if renewed. Additionally, insurers are unable to look back further than 24 months for evidence of a pre-existing condition. Meanwhile, Florida's short-term health plans in the AHiX Marketplace offer a favorable 12-month look-back period.

Top Rated Health Insurance Companies in Florida for 2024

In 2024, Aetna takes the lead in Florida's cheap health insurance landscape, with a remarkable 0% denial rate and affordable monthly premiums. Aetna offers a variety of Silver HMO plans, primarily covering in-network providers.

Additionally, other insurance companies shine in specific areas. Oscar Insurance offers EPO plans. Health First caters to young adults. Florida Health Care Plans, an independent licensee of the Blue Cross Blue Shield, provides reliable POS plans. These options empower Florida residents to choose insurance coverage without concerns

Best Health Insurance Plans for Florida Residents

Understanding the role of household income is crucial for low-income individuals looking for the best health insurance. ACA plans, including gold and platinum plans, provide income-based subsidies, which can significantly reduce monthly premiums, potentially to $0/month. For eligible Florida residents with incomes below 250% of the Federal Poverty Level (FPL), silver plans stand out. These plans lower for post-treatment healthcare, making silver plans an excellent choice for those with limited income in Florida

Benefits of Buying Comprehensive health plans in Florida

Individual Healthcare plans in the Florida Marketplace

Private health insurance provides individuals with diverse coverage options through the ACA marketplace plans. These plans ensure access to essential medical services tailored to fit various health needs and budgets. By choosing private insurance in the Florida marketplace, you ensure quality medical services for both routine care and unforeseen health emergencies. With the assistance of brokers like AHiX, these options become easier to navigate and enroll in.

Medicaid in Florida

Medicaid offers healthcare at no cost or at a reduced price to those who qualify. This includes individuals with low income, pregnant women, people with disabilities, and children whose parents or guardians have low income. This coverage includes essential medical expenses without a monthly fee, such as doctor visits, prescriptions, and preventive

Medicare in Florida

In Florida, Medicare is a federal health insurance program for individuals aged 65 and older or those meeting specific requirements. It covers hospital stays, prescription drugs, and essential healthcare services, with costs managed through premiums.

Medicare Supplement Plans in Florida for 2024, separate from standard Medicare, fill coverage gaps like co-payments and deductibles. Offered by private insurance companies, these plans provide choices to match your healthcare needs and budget in 2024.

Florida Small Business Health Insurance

Florida employers often offer health benefits to draw and keep top talent. Small business health insurance offers adaptable solutions for diverse company sizes. Opting for group health plan in FL enhances employee loyalty and brings potential tax benefits. This approach promotes a healthier, dedicated workforce, setting the foundation for ongoing business success.

Cheapest health insurance plan by county

The affordability of health insurance plans can fluctuate from one county to another in Florida. If you're looking at Blue Cross Blue Shield (BCBS) options, they provide coverage throughout the state. The least expensive HMO options for a 35-year-old female in 2024 include:

  • Miami-Dade County: Expect a monthly premium of $352.81.
  • Leon County: The price for a nearly identical plan is $339.17.

Remember to conduct thorough research on local options to ensure you're getting the best rates tailored to your needs.

Finding Affordable Health Insurance Coverage in Florida

When can I shop for health insurance on the Florida Health Insurance Exchange?

Florida's open enrollment window typically spans from November 1 to December 15th. There has also been a 30 day extension to January 15th in recent years. The key date to remember is December 15, 2024, the deadline for securing coverage starting on January 1, 2025. Additionally, Florida residents can obtain health insurance outside of open enrollment due to life events like marriage or relocation. You need to use life events within 60 days; otherwise, your only choice will be short-term plans, available year-round.

How do I take advantage of cost-sharing reductions and tax credits for health insurance in Florida?

In Florida, taking advantage of cost-sharing reductions and premium tax credits for health insurance is easier than you might think. Start by enrolling in a silver plan. When you do this, eligible individuals will automatically receive reduced cost-sharing charges, meaning benefits like lower deductibles and copayments.

Are you unsure about your eligibility? AHiX provides assistance to ensure you take full advantage of cost-sharing reductions and make informed health insurance choices.

Frequently asked questions

  • How to get Health Insurance in Florida?

    In Florida, you can use the Federal Marketplace or brokers like AHiX to get health insurance. You can also enroll in short-term plans at any time. short-term health plans can only last up to four months, including renewals.

  • Is Health Insurance Required in Florida 2024

  • How Much is Average Cost of Health Insurance in Florida for One Person Per Month?

  • What Type of Health Insurance Marketplace Does Florida Utilize?

  • What is the Best Health Insurance to Have in Florida?

  • How do I Qualify for Medicaid in Florida?

  • When is Open Enrollment for Health Insurance?

  • How to Get Free Health Insurance in Florida?

Looking to Purchase Best FL Health Insurance?

We understand it can be overwhelming, especially when you're looking for enough coverage that fits your budget. The good news is that AHiX Marketplace is an accessible exchange that does the work for you. You can easily review a variety of options, both qualified and non-qualified plans, including dental and vision coverage if needed. If you're unsure where to start, our licensed specialists are here to make recommendations based on your needs and budget.