Health Insurance Cost in Florida

Health insurance premiums in Florida vary by household size and plan type. Single coverage averages $510, while family plans average $1,400 monthly.

Premium Ranges by Household Size

Single Person

Monthly premium

Low End:$340

Average:$510

High End:$780

Couple

Monthly premium

Low End:$680

Average:$1,020

High End:$1,560

Family of 4

Monthly premium

Low End:$1,020

Average:$1,400

High End:$2,100

Health Insurance in Florida: Key Facts

Where to Buy

For ACA-compliant plans and subsidies, residents use HealthCare.gov.

Major Carriers

Common insurers in the state include:

Florida BlueOscarAmbetterUnitedHealthcare

Detailed Cost Breakdowns

Single Person Coverage

Monthly premiums range from $340 to $780

View details →

Couple Coverage

Monthly premiums range from $680 to $1,560

View details →

Family of 4 Coverage

Monthly premiums range from $1,020 to $2,100

View details →

Related Resources

ACA subsidy examples for Florida
See how subsidies can reduce your monthly premium
Income limits for ACA subsidies
Check if you qualify for financial assistance
Medical procedure costs in Florida
Understand out-of-pocket costs for common procedures

Information Sources

Sources & Disclaimer

Sources:

HealthCare.gov — Official ACA marketplace information and plan data
CMS Public Use Files — Federal marketplace enrollment and premium data
KFF Health Reform Analysis — Independent analysis of marketplace premium trends

Last Updated: January 2026

Disclaimer: The information provided is for educational purposes only. Actual costs vary based on individual circumstances, location, age, plan selection, and other factors. Always verify current information with official sources or licensed professionals. This site does not sell insurance or provide medical advice and is not affiliated with any insurance company or healthcare provider.