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Florida · 2026 plan year

Bronze health insurance plans in Florida

There are 125 Bronze plans on the Florida Marketplace from 14 insurers, and they are not interchangeable — premiums run from $334 to $730 a month for the same metal tier. Here is what separates them.

125
Bronze plans
14
Insurers
67
Counties covered
$334
Cheapest premium
$5,481
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

The priciest Bronze plan in Florida costs 2.2× the cheapest.

Bronze plans here run from $334 to $730 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 125 plans is right for you.

Florida Bronze deductibles run 18% below the national median.

The average Bronze deductible here is $5,481, against a $6,710 median across the 30 states in this tier. Deductibles here are comparatively low, so premium differences between plans matter proportionally more.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Lowest premiums

The cheapest Bronze plans in Florida

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Gym Access IND Bronze HMO 1340Florida Health Care Plans$334$10,150$10,150
Everyday BronzeAmbetter Health$342$8,450$10,150
Standard Expanded BronzeAmbetter Health$343$7,500$10,000
Bronze Value 1814 (High Value Network Savings, Open Access)Health First Commercial Plans, Inc.$348$9,800$10,000
Everyday Bronze + Vision + Adult DentalAmbetter Health$351$8,450$10,150

Showing 5 of 125. See all Florida Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier average
Florida Blue HMO (a BlueCross BlueShield FL company)23$382$514
AvMed15$431$469
Ambetter Health14$342$445
Oscar Health Maintenance Organization of Florida13$370$402
Florida Blue (BlueCross BlueShield FL)12$389$467
Cigna Healthcare10$407$453
Florida Health Care Plans8$334$408
Health First Commercial Plans, Inc.7$348$378
Molina Healthcare7$412$442
UnitedHealthcare6$421$445
Wellpoint4$395$402
AmeriHealth Caritas Next3$400$401
Capital Health Plan2$359$366
22 Health1$416$416
Other tiers in Florida

How Bronze compares to the rest

Bronze
Avg $449 · from $334
125 plans · you are here
Silver
Avg $568 · from $434
161 plans
Gold
Avg $603 · from $426
97 plans

All FloridaMarketplace plans →

Nearby on price

States with similar Bronze premiums

Oklahoma
Avg $447
60 Bronze plans
Arizona
Avg $462
65 Bronze plans
Delaware
Avg $463
13 Bronze plans
Common questions

Florida Bronze plans, answered

What are the copays on a Florida Bronze plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 125 Bronze plans in Florida, deductibles average $5,481 and the out-of-pocket maximum averages $10,034. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in Florida?
Any Florida Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on a Florida Bronze plan?
The average across all 125 Bronze plans in Florida is $5,481, with an average out-of-pocket maximum of $10,034. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my Florida county?
Bronze plans are sold in 67 Florida counties, from 14 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Florida Marketplace plan?
Florida uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in Florida start at $334 a month before any subsidy.

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