United States · Health insurance · Florida

What Is the Cheapest Health Insurance in Florida?

By Best Worst Insurance Editorial TeamUpdated September 19, 2026

Florida sells more marketplace plans than any other state on the federal exchange — 7,569 of them, and a separate rating area for every one of its 67 counties ^[1,2]. The cheapest premium a 40-year-old can buy runs from $5,121 a year in Brevard County to $11,389 in Monroe, which is the Keys ^[1,2]. More choice does not make the choice easier: for a year of managing type 2 diabetes, buying the cheapest premium costs $1,000 or more in 58% of Florida counties, and for a year containing a birth it costs more in every single one of the 67 ^[1,2]. Below is each county, with the cheapest-premium plan, what it actually costs across a year of care, and the plan that beats it — named, from the CMS plan year 2026 filings.

Best Worst Insurance Key Takeaways

The cheapest premium in Florida is $5,121 a year, in Brevard County, rising to $11,389 in Monroe — the same product in the same state at 2.2 times the price ^[1,2]. In Miami-Dade it is $6,020, in Broward $6,014.
Florida gives each county its own rating area ^[1,2], which Texas does not. Your plan field and your prices change at the county line, so the table below is worth checking for your actual county rather than the nearest big one.
For a birth year the cheapest-premium plan loses in all 67 counties, by a median of $5,017 a year ^[1,2]. Volusia is the worst at $7,195, where the winning plan is a Gold one.
For a diabetes year it is a coin flip decided by geography — 58% of counties carry a penalty of $1,000 or more, with a median of $1,438 ^[1,2]. In Hamilton, Martin, Monroe and St. Lucie counties the cheapest-premium plan is the cheapest plan outright.
In Miami-Dade the gap is $3,374 a year. Oscar's Bronze Simple Breathe Easy is the cheapest premium at $6,020 with a $9,000 deductible, and a diabetes year costs $11,200 on it. UnitedHealthcare's Bronze Standard costs $1,107 more in premium and totals $7,827 ^[1,2].

How we know: Every plan available to a single 40-year-old in each of Florida's 67 counties, from the CMS Qualified Health Plan and Benefits & Cost Sharing Public Use Files for plan year 2026 ^[1,2]. For each plan we added twelve months of premium to that plan's own filed cost-sharing for a year of care, then compared the lowest-premium plan against the lowest-total plan. Premiums are full price, before any subsidy. Catastrophic plans are excluded because ACA §1302(e) sells them only to buyers under 30 or holding a hardship exemption, which our reference buyer is not assumed to have. The complete table is the CSV at the foot of this page. Full methodology →

The six largest Florida counties, and what the premium sort costs in each

Annual cost of buying the lowest-premium plan instead of the lowest-total-cost plan, at age 40, full price. "Rank" is where the cheapest-premium plan places once the year's care is paid for ^[1,2].

County	Cheapest premium	A year with a fracture	A year managing diabetes	A year with a birth
Miami-Dade County	$6,020	nothing	$3,373 (rank 41 of 188)	$5,016 (rank 76 of 188)
Broward County	$6,014	$354 (rank 3 of 196)	$3,349 (rank 55 of 196)	$5,017 (rank 89 of 196)
Palm Beach County	$5,950	$344 (rank 6 of 194)	$3,312 (rank 59 of 194)	$5,026 (rank 94 of 194)
Hillsborough County	$5,740	nothing	$2,372 (rank 43 of 172)	$6,980 (rank 76 of 172)
Orange County	$6,017	$122 (rank 2 of 206)	$2,739 (rank 68 of 206)	$6,911 (rank 104 of 206)
Duval County	$6,015	$159 (rank 2 of 142)	$2,135 (rank 28 of 142)	$5,017 (rank 70 of 142)

1. The short answer

The cheapest marketplace health insurance in Florida costs $5,121 a year for a 40-year-old, in Brevard County. In the large metros: $6,020 in Miami-Dade, $6,014 in Broward, $5,950 in Palm Beach, $5,740 in Hillsborough, $6,017 in Orange, $6,015 in Duval.

The state's ceiling is a long way above that. Monroe County — the Keys — starts at $11,389, 2.2 times Brevard's floor for the same product in the same state ^[1,2]. Monroe has 33 plans on sale; Orange has 206. A small isolated market prices like one, and Florida's decision to give every county its own rating area ^[1,2] means that shows up undiluted.

The table above prices all three care scenarios for the six largest Florida counties.

2. The largest plan field on the federal marketplace does not make this easier

Florida files 7,569 plans, more than any other state on the federal marketplace ^[1,2] — the state exchanges publish no comparable count, so this is a claim about the federal marketplace and not about the country ^[1]. That sounds like an advantage and mostly is not, because a wider field gives the lowest-premium plan more ways to be beaten rather than fewer.

In Miami-Dade, the cheapest premium is Oscar's Bronze Simple Breathe Easy at $6,020 a year, with a $9,000 deductible. Add a year of managing type 2 diabetes and the filed cost-sharing brings it to $11,200. UnitedHealthcare's Bronze Standard costs $7,127 — $1,107 more in premium — and the same year costs $700 on it, for a total of $7,827. The gap is $3,374 a year, and the cheapest-premium plan ranks 41st of the 188 plans on sale ^[1,2].

For a birth year it is worse and it is universal: the cheapest-premium plan loses in all 67 counties, by a median of $5,017 ^[1,2]. Volusia is the extreme at $7,195, where the plan that wins is a Gold one from Oscar.

For a fracture year, none of this applies — the gap never reaches $1,000 anywhere in Florida ^[1,2]. If you expect a quiet year, buy on price and stop reading.

3. Every county

Every Florida county, for a year of managing type 2 diabetes at age 40 — the middle case of the three. Full price. "Total" is twelve months of premium plus the plan's own filed cost-sharing. The fracture and birth-year columns for every county are in the CSV ^[1,2].

County	Plans	Cheapest premium	What that plan costs for the year	Lowest total cost	Ranking by premium costs you
Alachua County	101	$6,558 — Ambetter Health	$11,278	$10,485 — Gold, Oscar Health Maintenance…	$793 a year
Baker County	124	$6,235 — Ambetter Health	$10,955	$10,086 — Gold, Ambetter Health	$869 a year
Bay County	106	$6,015 — Oscar Health Maintenance…	$11,195	$9,060 — Gold, Oscar Health Maintenance…	$2,135 a year
Bradford County	105	$6,178 — Ambetter Health	$10,898	$10,010 — Gold, Ambetter Health	$888 a year
Brevard County	150	$5,121 — Florida Health Care Plans	$9,641	$8,203 — Silver, Health First Commercial Plans	$1,438 a year
Broward County	196	$6,014 — Oscar Health Maintenance…	$11,194	$7,845 — Expanded Bronze, UnitedHealthcare	$3,349 a year
Calhoun County	83	$5,655 — Ambetter Health	$10,375	$7,132 — Expanded Bronze, Capital Health Plan	$3,243 a year
Charlotte County	110	$6,224 — Ambetter Health	$10,944	$9,855 — Gold, Oscar Health Maintenance…	$1,089 a year
Citrus County	106	$6,221 — Ambetter Health	$10,941	$10,019 — Gold, Oscar Health Maintenance…	$922 a year
Clay County	146	$6,195 — Oscar Health Maintenance…	$11,375	$9,296 — Gold, Oscar Health Maintenance…	$2,079 a year
Collier County	130	$6,830 — Florida Blue HMO	$11,830	$8,764 — Expanded Bronze, Cigna Healthcare	$3,066 a year
Columbia County	105	$7,058 — Ambetter Health	$11,778	$11,177 — Gold, Ambetter Health	$601 a year
DeSoto County	114	$6,311 — Ambetter Health	$11,031	$9,041 — Expanded Bronze, UnitedHealthcare	$1,990 a year
Dixie County	72	$7,138 — Florida Blue HMO	$12,138	$11,327 — Gold, Ambetter Health	$811 a year
Duval County	142	$6,015 — Oscar Health Maintenance…	$11,195	$9,060 — Gold, Oscar Health Maintenance…	$2,135 a year
Escambia County	123	$6,015 — Oscar Health Maintenance…	$11,195	$8,040 — Expanded Bronze, UnitedHealthcare	$3,155 a year
Flagler County	121	$6,100 — Oscar Health Maintenance…	$11,280	$8,723 — Expanded Bronze, UnitedHealthcare	$2,557 a year
Franklin County	66	$5,789 — Ambetter Health	$10,509	$7,371 — Expanded Bronze, Capital Health Plan	$3,138 a year
Gadsden County	83	$6,018 — Ambetter Health	$10,738	$7,633 — Expanded Bronze, Capital Health Plan	$3,105 a year
Gilchrist County	72	$7,037 — Ambetter Health	$11,757	$11,148 — Gold, Ambetter Health	$609 a year
Glades County	50	$7,460 — UnitedHealthcare	$8,560	$8,517 — Expanded Bronze, UnitedHealthcare	$43 a year
Gulf County	77	$6,058 — Ambetter Health	$10,778	$9,851 — Gold, Ambetter Health	$927 a year
Hamilton County	52	$11,195 — Ambetter Health	$15,915	$15,915 — Expanded Bronze, Ambetter Health	nothing — it wins on both
Hardee County	125	$7,851 — Ambetter Health	$12,571	$11,252 — Bronze, UnitedHealthcare	$1,319 a year
Hendry County	95	$7,143 — WellPoint	$11,963	$8,424 — Expanded Bronze, UnitedHealthcare	$3,539 a year
Hernando County	106	$5,720 — Oscar Health Maintenance…	$10,900	$8,674 — Gold, Oscar Health Maintenance…	$2,226 a year
Highlands County	94	$5,951 — Ambetter Health	$10,671	$9,708 — Gold, Ambetter Health	$963 a year
Hillsborough County	172	$5,740 — Oscar Health Maintenance…	$10,920	$8,548 — Expanded Bronze, UnitedHealthcare	$2,372 a year
Holmes County	58	$5,835 — Ambetter Health	$10,555	$9,551 — Silver, Ambetter Health	$1,004 a year
Indian River County	119	$5,237 — Ambetter Health	$9,957	$8,207 — Expanded Bronze, Cigna Healthcare	$1,750 a year
Jackson County	58	$6,845 — Ambetter Health	$11,565	$10,894 — Gold, Ambetter Health	$671 a year
Jefferson County	83	$5,529 — Ambetter Health	$10,249	$7,043 — Expanded Bronze, Capital Health Plan	$3,206 a year
Lafayette County	58	$8,781 — Ambetter Health	$13,501	$13,460 — Gold, Ambetter Health	$41 a year
Lake County	195	$5,928 — Ambetter Health	$10,648	$8,365 — Expanded Bronze, UnitedHealthcare	$2,283 a year
Lee County	131	$6,462 — UnitedHealthcare	$7,562	$7,471 — Expanded Bronze, UnitedHealthcare	$91 a year
Leon County	98	$5,500 — Capital Health Plan	$6,920	$6,859 — Expanded Bronze, Capital Health Plan	$61 a year
Levy County	72	$6,789 — Florida Blue HMO	$11,789	$10,912 — Gold, Ambetter Health	$877 a year
Liberty County	83	$5,910 — Ambetter Health	$10,630	$7,458 — Expanded Bronze, Capital Health Plan	$3,172 a year
Madison County	83	$5,782 — Ambetter Health	$10,502	$7,461 — Expanded Bronze, Capital Health Plan	$3,041 a year
Manatee County	135	$6,248 — Ambetter Health	$10,968	$8,721 — Expanded Bronze, UnitedHealthcare	$2,247 a year
Marion County	172	$6,172 — Oscar Health Maintenance…	$11,352	$8,997 — Expanded Bronze, UnitedHealthcare	$2,355 a year
Martin County	133	$6,434 — Cigna Healthcare	$8,354	$8,354 — Expanded Bronze, Cigna Healthcare	nothing — it wins on both
Miami-Dade County	188	$6,020 — Oscar Health Maintenance…	$11,200	$7,827 — Expanded Bronze, UnitedHealthcare	$3,373 a year
Monroe County	33	$11,389 — Florida Blue	$16,389	$16,389 — Bronze, Florida Blue	nothing — it wins on both
Nassau County	86	$7,309 — Florida Blue HMO	$12,309	$11,598 — Gold, Ambetter Health	$711 a year
Okaloosa County	106	$6,323 — Ambetter Health	$11,043	$10,202 — Gold, Ambetter Health	$841 a year
Okeechobee County	72	$6,873 — Ambetter Health	$11,593	$10,931 — Gold, Ambetter Health	$662 a year
Orange County	206	$6,017 — Oscar Health Maintenance…	$11,197	$8,458 — Expanded Bronze, UnitedHealthcare	$2,739 a year
Osceola County	191	$5,930 — Oscar Health Maintenance…	$11,110	$8,595 — Expanded Bronze, UnitedHealthcare	$2,515 a year
Palm Beach County	194	$5,950 — Oscar Health Maintenance…	$11,130	$7,818 — Expanded Bronze, UnitedHealthcare	$3,312 a year
Pasco County	172	$5,800 — Oscar Health Maintenance…	$10,980	$8,780 — Gold, Oscar Health Maintenance…	$2,200 a year
Pinellas County	148	$5,675 — Oscar Health Maintenance…	$10,855	$8,616 — Gold, Oscar Health Maintenance…	$2,239 a year
Polk County	158	$6,114 — Ambetter Health	$10,834	$9,304 — Expanded Bronze, UnitedHealthcare	$1,530 a year
Putnam County	58	$6,806 — Ambetter Health	$11,526	$10,843 — Gold, Ambetter Health	$683 a year
Santa Rosa County	123	$6,921 — Florida Blue HMO	$11,921	$8,216 — Expanded Bronze, UnitedHealthcare	$3,705 a year
Sarasota County	118	$6,361 — Ambetter Health	$11,081	$10,252 — Gold, Ambetter Health	$829 a year
Seminole County	214	$6,095 — Oscar Health Maintenance…	$11,275	$8,571 — Expanded Bronze, UnitedHealthcare	$2,704 a year
St. Johns County	143	$5,771 — Florida Health Care Plans	$10,291	$9,734 — Gold, Oscar Health Maintenance…	$557 a year
St. Lucie County	114	$6,376 — Cigna Healthcare	$8,296	$8,296 — Expanded Bronze, Cigna Healthcare	nothing — it wins on both
Sumter County	91	$5,701 — Ambetter Health	$10,421	$9,364 — Silver, Ambetter Health	$1,057 a year
Suwannee County	86	$7,023 — Ambetter Health	$11,743	$11,130 — Gold, Ambetter Health	$613 a year
Taylor County	64	$7,501 — Florida Blue HMO	$12,501	$9,026 — Bronze, Capital Health Plan	$3,475 a year
Union County	72	$8,414 — Ambetter Health	$13,134	$12,974 — Gold, Ambetter Health	$160 a year
Volusia County	152	$5,957 — Florida Health Care Plans	$10,477	$8,629 — Expanded Bronze, UnitedHealthcare	$1,848 a year
Wakulla County	83	$5,589 — Ambetter Health	$10,309	$6,962 — Expanded Bronze, Capital Health Plan	$3,347 a year
Walton County	106	$6,289 — Ambetter Health	$11,009	$9,620 — Gold, Oscar Health Maintenance…	$1,389 a year
Washington County	58	$7,963 — Ambetter Health	$12,683	$12,375 — Gold, Ambetter Health	$308 a year

67 rows — scroll inside the table to read them all.

4. Download the whole thing

Every Florida county, all three care scenarios, both plans named with their deductibles, premiums, out-of-pocket costs and totals:

Florida county plan costs (CSV, 201 rows)

The three-state version — Florida, Texas and Ohio, 1,227 rows — is here.

These price one buyer, a single 40-year-old, at full price; family and tobacco rating move them, and a subsidy lowers them all, changing the ordering only where it covers the cheapest plan outright ^[1,3,4]. The three care scenarios are CMS's own stylised courses of care, which makes counties comparable but is not a forecast of your year. And they say nothing about networks or formularies — check both before buying anything named here.

The same table for the other two states is at Texas and Ohio, and the full three-state analysis is at what ranking by premium costs you.

Frequently asked questions

What is the cheapest health insurance in Florida?

The lowest marketplace premium available to a 40-year-old in Florida is $5,121 a year, in Brevard County, rising to $11,389 in Monroe County ^[1,2]. In Miami-Dade it is $6,020 and in Broward $6,014. Whether the lowest-premium plan is the cheapest *plan* depends on how much care you use — for a year containing a birth it is not, in any of Florida's 67 counties ^[1,2].

Why is health insurance so expensive in the Florida Keys?

Monroe County is its own rating area with only 33 plans on sale, against 150 in Brevard and 206 in Orange. Its cheapest plan costs $11,389 a year, 2.2 times Brevard's ^[1,2]. Florida files rates per county ^[1,2], so a small, isolated market prices as one.

Is the cheapest plan in Florida actually the cheapest?

For a year of managing diabetes it is not, in 58% of counties, by a median of $1,438 ^[1,2] — though in Hamilton, Martin, Monroe and St. Lucie it is the cheapest plan outright. For a year containing a birth it is not the cheapest in any Florida county, by a median of $5,017. For a year whose only event is a simple fracture, it is within $1,000 of the best plan everywhere ^[1,2], so buying on price is reasonable.

How much is health insurance a month in Florida?

The cheapest plans run from about $427 a month in Brevard County to about $949 in Monroe, at age 40 and before any premium tax credit ^[1,2]. A credit subtracts the same amount from every plan in your county, so it lowers all of these without changing which plan is cheapest — unless it covers the cheapest one outright ^[1,3,4].

Florida has more plans than any other state. Does that help?

It widens the gap rather than closing it. Florida files 7,569 plans, the largest field on the federal marketplace ^[1,2], and a bigger field means more ways for the lowest-premium plan to be beaten: in Miami-Dade it ranks 41st of 188 once a year of diabetes care is paid for ^[1,2]. Choice only helps if you are sorting on the right column.

Should I buy a Gold plan in Florida if I am planning a pregnancy?

Price it properly before dismissing it. Across all 409 counties we price, a Gold plan is the cheapest plan overall for a year containing a birth in 40% of them ^[1,2], and in Florida's worst county for this — Volusia — the winning plan is Gold — $7,195 a year cheaper once the delivery is paid for, despite costing $1,516 more in premium ^[1,2]. Check your own county in the table above; Gold still loses three-fifths of them nationally.

Sources

Every figure on this page is footnoted to one of the primary documents below. Reliability tiers: A = regulator, court or filed document; B = reputable publisher or carrier official page; C = user-generated (reported by users).

1.Centers for Medicare & Medicaid Services — Qualified Health Plan Landscape and Benefits & Cost Sharing Public Use Files, plan year 2026. https://www.cms.gov/marketplace/resources/data/public-use-filesTier A · Regulator / court / filed document · Published 2026-08-01 · Accessed 2026-09-03
2.Best Worst Insurance — Annual cost of every marketplace plan in 409 counties, ranked two ways (PY2026). https://bestworstinsurance.com/data/us-health/county-plan-costs.csvTier A · Regulator / court / filed document · Published 2026-09-19 · Accessed 2026-09-19
3.Internal Revenue Service — Revenue Procedure 2025-25 — Applicable Percentage Table for 2026. https://www.irs.gov/pub/irs-drop/rp-25-25.pdfTier A · Regulator / court / filed document · Published 2025-07-18 · Accessed 2026-09-19
4.US Department of Health and Human Services, ASPE — 2025 Poverty Guidelines. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelinesTier A · Regulator / court / filed document · Published 2025-01-17 · Accessed 2026-09-19