Health Insurance Plans in Florida
Compare ACA marketplace plans, short-term coverage, dental, vision, and ancillary products available to Florida residents. Get a free quote from a licensed advisor today.
Find Florida Health Plans
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Florida Health Insurance at a Glance
Here's what you need to know about health coverage options in Florida.
Florida has the highest ACA marketplace enrollment in the country, with over 3 million enrollees. The state has not expanded Medicaid, making subsidized marketplace plans the primary option for low-income residents.
Check Plans in Your ZIP Code
Enter your ZIP code to see carriers, estimated costs, and coverage options available in your specific area.
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Get My Personalized Quote →ACA Marketplace Plans in Florida
ACA plans offer comprehensive coverage with protections for pre-existing conditions and potential subsidies.
How the Florida Marketplace Works
Florida residents enroll through Federal (HealthCare.gov). Plans are available in four metal tiers — Bronze, Silver, Gold, and Platinum — each with different premium and out-of-pocket cost structures.
- No denial for pre-existing conditions
- 10 essential health benefits covered by law
- Subsidies available based on income
- Children covered up to age 26 on a parent's plan
- Free preventive care (screenings, vaccines, wellness visits)
Top Carriers in Florida
These insurance companies offer ACA marketplace plans in Florida:
- Ambetter
- Oscar Health
- Florida Blue (BCBS)
- Molina Healthcare
- UnitedHealthcare
- Freedom Health
- Health First
Carrier availability varies by county. A licensed advisor can tell you exactly which plans are available in your ZIP code.
Medicaid in Florida
Florida has not expanded Medicaid under the ACA.
This means there is a coverage gap for some low-income adults who earn too much for traditional Medicaid but too little to qualify for ACA marketplace subsidies. Short-term health plans and ancillary products can help bridge this gap.
Check Your Eligibility →Short-Term Health Insurance in Florida
Need coverage fast? Short-term plans can start in as little as 24 hours.
Short-Term Plan Rules in Florida
- Maximum duration: 12 months, renewable up to 36 months
- Coverage can begin within 24–72 hours of enrollment
- Lower premiums than ACA plans (but fewer benefits)
- Best for: between jobs, waiting for employer coverage, aging off a parent's plan
Short-term plans are not ACA-compliant — they do not cover pre-existing conditions and may have limited benefits. But for healthy individuals who need temporary protection, they offer an affordable safety net.
Learn More About Short-Term Plans →Who Should Consider Short-Term in Florida?
- Recently lost employer-sponsored coverage
- Waiting for new job benefits to start
- Recent college graduates
- Early retirees not yet eligible for Medicare
- Missed ACA Open Enrollment
Ancillary Plans in Florida
Fill the gaps in your health coverage with affordable supplemental plans.
Dental Insurance
Preventive cleanings, fillings, crowns, and more. PPO and HMO options available.
Learn More →Hospital Indemnity
Get paid a fixed cash benefit for every day you spend in the hospital.
Learn More →Critical Illness
Lump-sum cash payment upon diagnosis of cancer, heart attack, stroke, or other covered conditions.
Learn More →Accident Insurance
Cash benefits for ER visits, fractures, dislocations, and other covered injuries.
Learn More →Travel Insurance
Trip cancellation, emergency medical care abroad, and evacuation coverage.
Learn More →Florida Health Insurance Questions
Florida Insurance Resources
Florida Office of Insurance Regulation
File complaints, verify licenses, and learn about your rights as a consumer.
Florida Marketplace
Enroll in ACA plans through Federal (HealthCare.gov).
Health Insurance by City in Florida
Find health insurance information specific to your city in Florida.
Miami
Miami-Dade County · Pop. 442,241
Orlando
Orange County · Pop. 307,573
Tampa
Hillsborough County · Pop. 384,959
Jacksonville
Duval County · Pop. 949,611
Fort Lauderdale
Broward County · Pop. 182,760
St. Petersburg
Pinellas County · Pop. 258,308
Tallahassee
Leon County · Pop. 196,169
Hialeah
Miami-Dade County · Pop. 233,339
Port St. Lucie
St. Lucie County · Pop. 183,289
Cape Coral
Lee County · Pop. 194,917
Hollywood
Broward County · Pop. 140,928
Gainesville
Alachua County · Pop. 141,080
Coral Springs
Broward County · Pop. 133,173
Clearwater
Pinellas County · Pop. 116,314
Palm Bay
Brevard County · Pop. 119,143
Lakeland
Polk County · Pop. 115,508
Pompano Beach
Broward County · Pop. 111,955
West Palm Beach
Palm Beach County · Pop. 115,390
Pembroke Pines
Broward County · Pop. 170,150
Davie
Broward County · Pop. 110,990
Miramar
Broward County · Pop. 141,511
Boca Raton
Palm Beach County · Pop. 101,962
Kissimmee
Osceola County · Pop. 74,764
Deltona
Volusia County · Pop. 91,045
Ocala
Marion County · Pop. 61,604
Sarasota
Sarasota County · Pop. 57,055
Health Insurance by County in Florida
Find health insurance information for your county in Florida.
Miami-Dade County
County Seat: Miami · Pop. 2,701,767
Broward County
County Seat: Fort Lauderdale · Pop. 1,748,066
Palm Beach County
County Seat: West Palm Beach · Pop. 1,505,792
Hillsborough County
County Seat: Tampa · Pop. 1,445,891
Orange County
County Seat: Orlando · Pop. 1,393,782
Duval County
County Seat: Jacksonville · Pop. 1,027,395
Pinellas County
County Seat: Clearwater · Pop. 1,018,461
Brevard County
County Seat: Melbourne · Pop. 617,753
Volusia County
County Seat: Deland · Pop. 617,543
Seminole County
County Seat: Sanford · Pop. 693,626
Pasco County
County Seat: Dade City · Pop. 631,095
Lee County
County Seat: Fort Myers · Pop. 716,469
Polk County
County Seat: Bartow · Pop. 737,462
Sarasota County
County Seat: Sarasota · Pop. 443,721
Manatee County
County Seat: Bradenton · Pop. 389,702
Osceola County
County Seat: Kissimmee · Pop. 399,790
Marion County
County Seat: Ocala · Pop. 369,487
Alachua County
County Seat: Gainesville · Pop. 286,318
St. Lucie County
County Seat: Fort Pierce · Pop. 321,846
Collier County
County Seat: Naples · Pop. 385,040
Leon County
County Seat: Tallahassee · Pop. 290,308