PlanVoyager
Florida

Best 2026 Health Insurance Plans in Florida

Compare 410 ACA Marketplace plans from 15 insurers in Florida. See premiums by metal tier and estimate your subsidy in under a minute.

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Florida Marketplace key facts for 2026

In Florida, 410 ACA Marketplace health insurance plans from 15 insurers are available for 2026. For a 40-year-old before subsidies, Bronze plans start at $427/month, Silver plans at $554/month, Gold plans at $545/month, Platinum plans at $900/month, and Catastrophic plans at $282/month. The lowest-priced plan overall is Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) from Health First Commercial Plans, Inc. at $282/month. Most enrollees qualify for a premium tax credit that lowers what they actually pay each month.

Lowest-cost plan by tier in Florida

Starting monthly premium for a 40-year-old, before any subsidy. Your price depends on age, income, and county.

Catastrophic
Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access)
Health First Commercial Plans, Inc.

$282/mo

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Bronze
Capital Health Plan HMO Bronze 1100
Capital Health Plan

$458/mo

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Expanded Bronze
Gym Access IND Bronze HMO 1340
Florida Health Care Plans

$427/mo

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Silver
Clarity Silver
Ambetter Health

$554/mo

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Gold
Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)
Health First Commercial Plans, Inc.

$545/mo

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Platinum
Capital Health Plan HMO Platinum 4000
Capital Health Plan

$900/mo

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Browse 2026 Florida plans by metal tier

Pick a tier to see every on-exchange plan in it, with starting premiums for a 40-year-old before subsidy.

Bronze
Bronze plans in Florida
125 plans · from $427/mo
View bronze plans
Silver
Silver plans in Florida
161 plans · from $554/mo
View silver plans
Gold
Gold plans in Florida
97 plans · from $545/mo
View gold plans
Platinum
Platinum plans in Florida
25 plans · from $900/mo
View platinum plans
Catastrophic
Catastrophic plans in Florida
2 plans · from $282/mo
View catastrophic plans

Insurers offering 2026 plans in Florida

22 HealthAmbetter HealthAmeriHealth Caritas NextAvMedCapital Health PlanCigna HealthCare of Florida, Inc.Cigna HealthcareFlorida Blue (BlueCross BlueShield FL)Florida Blue HMO (a BlueCross BlueShield FL company)Florida Health Care PlansHealth First Commercial Plans, Inc.Molina HealthcareOscar Health Maintenance Organization of FloridaUnitedHealthcareWellpoint

Florida health insurance FAQ

How much does health insurance cost in Florida?
2026 Marketplace premiums in Florida vary by age, plan tier, and where you live. The lowest-cost plans start around $282/month before any subsidy for a 40-year-old. Most enrollees qualify for a premium tax credit that lowers this significantly.
What health insurance companies sell Marketplace plans in Florida?
22 Health, Ambetter Health, AmeriHealth Caritas Next, AvMed, Capital Health Plan, Cigna HealthCare of Florida, Inc., Cigna Healthcare, Florida Blue (BlueCross BlueShield FL), and 7 more offer ACA Marketplace plans in Florida for 2026.
Do I qualify for a subsidy in Florida?
Most Florida residents who buy their own insurance qualify for a premium tax credit based on household income and size. Use the PlanVoyager estimator to see your subsidy and net premium.

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Find your best plan in Florida

Enter your ZIP, household, and income to see your real premiums after subsidy and compare every plan available where you live.

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