Health insurance plans in Florida
Florida uses the federal Marketplace, with 383 plans across the Bronze, Silver and Gold tiers from up to 15 insurers. Which tier suits you depends far more on how much care you expect to use than on the premium alone.
The priciest Silver plan in Florida costs 2.1× the cheapest.
Silver plans here run from $434 to $902 a month for the same actuarial tier. Metal level sets roughly what share of your care is covered, not what you pay for it — so the tier label alone tells you very little about which of these 161 plans is right for you.
The three tiers in Florida, compared
Catastrophic and other coverage
Some states also offer Catastrophic plans, which carry very low premiums and very high deductibles and are limited to people under 30 or those with a hardship exemption. They are a small share of the market and are not broken out into their own page here — you can find any available in Florida on the full Florida plan list. Platinum plans are rare on the federal Marketplace and are absent from most states.
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