Reviewed by a licensed health insurance agent. HealthPlusLife agents are licensed in all 50 states. Plan data sourced from Healthcare.gov, CMS.gov, and KFF Health Policy. Call 888-828-5064.
Individual Health Insurance Plans in Florida 2026
Florida has the most competitive U65 private health insurance market in the Southeast to and often the lowest premiums nationally. Compare all options with a licensed FL agent.
TTY 711 | Licensed in 50 states | Free, no-obligation quote
Quick Answer: Individual health insurance in Florida costs $155 to $450 per month for a U65 private plan and $230 to $660 per month for an unsubsidized ACA plan in 2026. Florida is one of the most competitive U65 private health insurance markets in the country. For healthy Florida residents above the ACA subsidy threshold, U65 private plans typically save $75 to $210 per month vs unsubsidized ACA. Call 888-828-5064 for a free multi-carrier Florida comparison.
📊 According to KFF Health Policy, Florida has one of the highest rates of ACA marketplace enrollment in the country to reflecting both the large non-employer-insured population and the strong premium competition among marketplace carriers in the state. Florida also has one of the country’s most active U65 private health insurance markets, driven by its large self-employed, early retiree, and contractor populations.
Individual Health Insurance Options in Florida
| Plan Type | Monthly Cost Range | Enrollment | Key Florida Carriers |
|---|---|---|---|
| U65 Private Plan | $155 to $450 | Year-round, any day | UnitedHealthcare, Aetna, Cigna, Humana |
| ACA Marketplace | $0 to $580 with subsidy | Open enrollment or SEP | Florida Blue, Molina, Ambetter Sunshine, Oscar |
| Medicaid (Florida) | Limited to not expanded | Qualifying groups only | Florida Medicaid (limited categories) |
| Short-Term Plan | $75 to $195 | Year-round | Multiple carriers |
Florida has not expanded Medicaid under the ACA. Florida Medicaid covers children, pregnant women, people with disabilities, and limited other qualifying groups. Working-age adults without dependents in Florida’s low-income bracket often fall into a coverage gap. Per CMS.gov, ACA subsidies are available for Florida residents earning between approximately $15,060 and $60,240 individually.
Compare Florida Health Insurance Plans Right Now
A licensed HealthPlusLife agent compares all available Florida plans from multiple carriers to U65 private, ACA marketplace, and off-exchange options to for your Florida region and income. Call 888-828-5064 | TTY 711 | Free quote.
Why Florida Is One of the Best U65 Private Insurance Markets
Florida’s large population, strong insurance carrier competition, and significant self-employed and contractor workforce have made it one of the country’s most active and competitive markets for U65 private health insurance. UnitedHealthcare, Aetna, and Cigna compete aggressively for Florida business, resulting in premiums that are often among the lowest nationally for comparable coverage levels.
| Age | U65 Private Monthly (Florida) | ACA Unsubsidized Monthly (Florida) | Annual Savings with U65 Private |
|---|---|---|---|
| 28 to 35 | $155 to $235 | $235 to $365 | Up to $1,560/yr |
| 36 to 45 | $210 to $340 | $305 to $455 | Up to $1,380/yr |
| 46 to 55 | $315 to $475 | $430 to $625 | Up to $1,800/yr |
| 56 to 64 | $430 to $620 | $630 to $920 | Up to $3,600/yr |
📊 HealthPlusLife enrollment data for Florida clients in 2024 and 2025 found that healthy Florida residents above the ACA subsidy threshold who compared U65 private plans against unsubsidized ACA options saved an average of $163 per month to making Florida one of the highest-savings states for private plan comparison due to its competitive carrier market.
Florida is one of our biggest markets and consistently one of the best for U65 private plan value. The carrier competition here is strong to UnitedHealthcare, Aetna, and Cigna all fight aggressively for Florida individual market business. We routinely find healthy Florida adults paying $520 to $600 per month on unsubsidized ACA plans who switch to comparable U65 private plans at $320 to $380 per month.
Licensed HealthPlusLife Agent, Fort Lauderdale, FL
Florida Cities and Counties We Serve
HealthPlusLife serves all 67 Florida counties. Our agents are most active in Miami-Dade, Broward, Palm Beach, Hillsborough (Tampa), Orange (Orlando), Duval (Jacksonville), Pinellas, Collier, Lee, and Sarasota counties to but we serve every Florida zip code with equal attention.
- Call 888-828-5064 to speak to a licensed Florida health insurance agent
- Share your Florida county or zip code, age, and income
- Compare U65 private and ACA marketplace options
- Verify your doctors are in-network
- Enroll in minutes with coverage starting as fast as tomorrow
Get Your Florida Health Insurance Quote Today
Speak to a licensed HealthPlusLife agent today. We compare U65, private, and ACA plans at no cost.
Licensed in all 50 states | Free quote | No obligation | Coverage as fast as tomorrow
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