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Find The Best Health Coverage For Your Budget in Florida Health Insurance

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How much is health insurance coverage in Florida?

Updated 11/3/2020 

With a population of almost 21,500,000, Florida is the 3rd most populated state in the United States of America. Florida uses the federally run exchange, so residents enroll through HealthCare.gov and Florida has the highest exchange enrollment of any state in the country. Florida’s exchange enrollment each year is the highest of any state compared in the country.  Astoundingly, almost 17 percent of the entire country’s exchange enrollees are in Florida. 1,913,975 people enrolled in plans through the Florida exchange during the open enrollment period for 2020 coverage. 

Notable updates from healthinsurance.org regarding Florida Blue:

“Oscar entered Florida’s individual market in Orlando in 2019, and expanded to several other cities in 2020. Soon after the start of open enrollment for 2019 coverage, Oscar filed a lawsuit in an effort to eliminate Florida Blue’s exclusive agent clause. In most markets, licensed insurance producers can be appointed with numerous insurers, offering their clients an array of plan options and helping them determine which one best fits their needs. But Florida Blue’s contract with insurance agents requires them to be captive—they cannot sell other insurers’ policies, and must only represent Florida Blue. And after Oscar entered the market in Orlando, Florida Blue required agents to sign new exclusivity contracts.

In describing this tactic, Oscar noted that “Florida Blue is using its monopoly power to make sure consumers do what’s best for Florida Blue” (as opposed to doing what’s best for the consumer).”

 

Keep in mind that private marketplace plans are plentiful and available as alternatives and many times more affordable alternatives to your health coverage needs. If you’re not sure what private marketplace plans are, read up on it here.

 

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Florida Health Insurance Premium by Age

There are many factors that go into calculating the rate you pay for your health insurance. Below is a breakdown of how much other people in Florida typically pay for coverage based on different factors. In Florida, the typical customer 26 and younger will pay $218.92 per month while a person over 56 years old will pay over $418.89 per month.

Age Range Premiums

Age Range Premium
< 26 $218.92
26 - 35 $257.86
36 - 45 $349.17
46 - 56 $414.83
> 56 $418.89

Florida Health Insurance Premium for Smokers vs. Non-Smokers

As with all states, customers in Florida who smoke may pay a higher premium for their health insurance than those customers who are non-smokers. In Florida, smokers pay $384.46 while non-smokers pay $377.07 on average.

Smoker vs. Non-Smoker

Smoker? Average of Health Premium
Non-Smoker $377.07
Smoker $384.46

The most affordable health insurance premiums, by city, in Florida

These cities had the most affordable health insurance premiums across Florida in 2019.

Most Affordable City Premiums in Florida Health Insurance

City Average of Health Premium
Rotonda West $152.02
Lake Mary $154.81
Pembroke Pines $156.04
Lakeworth $157.26
Nort Fort Meyers $157.26
Brooksville $157.26
New Smyrna Beach $172.58
Haverhill $172.58
Crestview $172.58
Crawfordville $172.58

The most expensive health insurance premiums, by city, in Florida

These cities had the most expensive health insurance premiums across Florida in 2019.

Most Expensive City Premiums in Florida Health Insurance

City Average of Health Premium
Green Acres $748.10
Lakewood Ranch $813.79
Spring Hill $817.36
Sebastian $825.71
Davie $829.93
Fleming Island $855.04
Williston $942.80
Saint Aguestin $992.97
Ft Lauderdale $1,042.56
Pinecrest $1,144.32

When is open enrollment 2021 in Florida?

Open enrollment periods do vary by state and insurance type. Florida relies on the federal exchange of the Affordable Care Act. Residents may enroll for health insurance on HealthCare.gov. Florida insurance companies that participate in the federal exchange include Ambetter, Molina, Health First Health Plans, Oscar Health, Blue Cross Blue Shield of Florida (Florida Blue), Bright Health Insurance Company, Cigna, Florida Blue HMO (Health Options, and Florida Health Care Plan INC. (A Subsidiary of Florida Blue)

When is Medicare open enrollment 2021 in Florida?

Medicare open enrollment dates also vary by state. Florida Medicare Open Enrollment is October 15, 2020-December 7, 2020. The General Enrollment Period begins January 1, 2021, and will end March 31, 2021. The Medicare Advantage Open Enrollment Period is from January 1, 2021 to March 31, 2021

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