Best Health Insurance in Florida - 2023

Compare personalized health insurance rates in Florida

Health Insurance in Florida

Buying health insurance in Florida may seem to be a complex process. The terminology can be confusing. There are deductibles to take into consideration as well as benefit limits to be aware of. The good news is that it may not be as complicated as it first seems. Once you become familiar with some common terms used in the industry, purchasing health insurance plans in Florida become much easier to understand and health insurance plans become easier to compare. In this article, we'll discuss what major health insurance companies offer in Florida and demonstrate ways you can compare health insurance plans to get cheap health insurance. It is said knowledge is power, so here are some important factors to consider before you buy health insurance in Florida.

Health Insurance Companies in Florida

Top health insurance companies in Florida offer a variety of health insurance programs. They include:

  • Health Maintenance Organizations (HMOs)
  • Preferred Provider Organizations (PPOs)
  • Exclusive Provider Organizations (EPOs)
  • Point-of-service (POS) plans
  • High-deductible Health Plans (HDHPs)

You should choose from a list of health insurance companies in Florida that are licensed to conduct business in the Sunshine State. The best health insurance companies in Florida will offer varying options when it comes to deductibles. This allows more flexibility in pricing, making high deductible plans more affordable.

How to Get the Best Rates for Health Insurance in Florida


Health insurance providers use a variety of factors in determining their rates, including the location where the insured lives. You can start a search for the best rates for health insurance in Florida by reviewing a list of health insurance companies in Florida by zip code.


<zipcode>Find The Cheapest Health Insurance In Florida</zipcode>


Cheap Health Insurance in Florida

One of the best ways to get cheap health insurance quotes in Florida is to compare. Online sites like Pretected make this easy. You can compare health insurance quotes in Florida starting just with your zip code. Keep in mind health and age will also affect health insurance rates so you can get the cheapest insurance by shopping when you are relatively young and healthy.

Average Health Insurance Cost in Florida

On a monthly basis, the average cost of healthcare in Florida is $285. This amounts to $3,420 annually. Rates will depend on a variety of factors and you could end up paying more or less. You can always find cheaper healthcare insurance in Florida by comparing online.


<twitter>On a monthly basis, the average cost of healthcare in Florida is $285. This amounts to $3,420 annually. </twitter>


Health Insurance for Low Income in Florida

There are some options for residents with low income to obtain health insurance in Florida. One option is Medicaid of Florida. To qualify for Medicaid of Florida, a person must have an annual income of $16,612 or less, and a household of two must not have a combined income that exceeds $22,491. To qualify one must be a resident of the State of Florida and:

  • Be over the age of 64; or
  • Be pregnant or have a child 18 or under; or
  • Be blind or disabled; or
  • Have a child, parent, or spouse in your household who is blind or disabled

Applications for Medicaid of Florida can be submitted through the Department of Children and Families (DCF).

Free Health Insurance in Florida

Depending on your specific situation some residents may qualify for very low cost of even free health insurance in Florida. Low-cost or free health insurance may be available through Medicaid or the Children's Health Insurance Program (CHIP).

Health Insurance Plans in Florida

The best type of health insurance policies in Florida for you will likely depend on your present situation. An individual, for example, will have different needs that of a family. You may find yourself laid off and in need of temporary health insurance. Here are some types of health insurance plans in Florida to help you decide which would be best for you.


<qa>1;Individual Health Insurance in Florida;This is a plan designed for an individual in the State of Florida. It is often the best choice for singles, self-employed and for those who can not obtain sufficient coverage through a plan from their employer.</qa> 

<qa>2;Family Health Insurance in Florida;Family health insurance in Florida covers the insured, their spouse and any eligible children under the age of 26. Adult children under the age of 26 can be covered under a family plan even if they not longer rely on the resources of parents and can even live on their own.</qa> 

<qa>3;Short Term Health insurance in Florida;Short term health insurance in Florida, sometimes referred to as temporary health insurance is designed to cover a person through a specific temporary situation. This short term coverage is often available when leaving one job and waiting for new health insurance coverage from the next employer to take effect. It can also be used to close gaps in coverage when laid off for example.</qa> 

<qa>4;Child Health Insurance in Florida;The Children's Health Insurance Program (CHIP) in Florida is designed to help provide health insurance coverage for those under 19 years of age. It was created to assist those with incomes too high to qualify for Medicaid, but who can't afford private coverage. To qualify for child health insurance in Florida, the child must be a Florida resident. CHIP helps provide basic health care coverage for immunizations, doctor's visits, health care check-ups and prescriptions.</qa> 

Public Health Issues in Florida

The overall health of the citizens of a state can greatly impact the health insurance rates in that state. Florida, for example, has higher than average instances of drug misuse, alcohol abuse, and suicide. While hypertension and obesity are higher than average for the country as a whole, obesity is less than average. Here is a closer look at some of the health issues affecting those who reside in the state.

Obesity in Florida

Obesity affects the general overall health of a population, and therefore its health care rates. The percentage of Floridians who are considered obese is 28.4% which is below the national average, but up from 18.4% in the year 2000. Florida has a high percentage of children who are considered obese. Of those ranging in age from 10-17, 36.6% are obese.

Diabetes in Florida

Diabetes is closely tied with obesity and in Florida, 10.5% of adults are said to have diabetes. This is higher than average when compared to other states, thus negatively impacting the quality of life and health care insurance rates in Florida.

Childhood Obesity in Florida

Childhood obesity is a significant problem in Florida with 36.6% of those between 10-17 years of age said to be overweight or obese. Since obese children tend to be less healthy, this reflects in higher healthcare costs in Florida.


<twitter>Childhood obesity is a significant problem in Florida with 36.6% of those between 10-17 years of age said to be overweight or obese. </twitter>

Florida Mental Health Statistics

The State of Florida has some troubling statistics when it comes to mental health, suicide, and alcohol and drug abuse. This negatively affects the costs of healthcare in the state. There are 15.2 suicides in Florida for every 100,000 people, for example, ranking Florida in the top 20 of all states.

Florida STD statistics

The number of STD cases is growing across the country and are becoming a more significant healthcare issue in the state of Florida. Florida now ranks 6th in rates of P&S syphilis all 50 states.


Conclusion: How to choose the best health insurance in Florida

While group statistics certainly affect healthcare costs and therefore impacts health insurance rates, individuals can also affect how much they may pay for healthcare coverage. Maintaining a healthy weight and quitting tobacco are two examples. Individuals can also impact what they pay by being more diligent in comparing rates and policies. This can be as easy as starting with a search of Florida health care providers using Pretected. Prevent overpaying for your Florida health insurance. Search Pretected.


<zipcode>Find The Cheapest Health Insurance In Florida</zipcode>