SimpliveraCoverage Companion
Florida · 2026 plan year

Gold health insurance plans in Florida

There are 97 Gold plans on the Florida Marketplace from 15 insurers, and they are not interchangeable — premiums run from $426 to $1,062 a month for the same metal tier. Here is what separates them.

97
Gold plans
15
Insurers
67
Counties covered
$426
Cheapest premium
$1,580
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 Gold plan in Florida costs 2.5× the cheapest.

Gold plans here run from $426 to $1,062 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 97 plans is right for you.

Florida Gold premiums rank 23rd cheapest of 30.

Averaged across all 97 plans, Gold coverage in Florida costs $603 a month before subsidies — 23rd lowest of the 30 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

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 Gold plans in Florida

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)Health First Commercial Plans, Inc.$426$2,200$7,950
Gold Value 1819 + Enhanced Diabetes Benefits ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)Health First Commercial Plans, Inc.$427$2,200$7,950
Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access)Health First Commercial Plans, Inc.$440$3,050$8,100
Gold Value 1819 + Adult Dental + Adult Vision ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)Health First Commercial Plans, Inc.$446$2,200$7,950
Standard GoldAmbetter Health$453$2,000$8,200

Showing 5 of 97. See all Florida Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
AvMed15$588$640
Ambetter Health14$453$575
Florida Blue HMO (a BlueCross BlueShield FL company)11$635$772
Health First Commercial Plans, Inc.8$426$454
Cigna Healthcare7$527$587
Florida Blue (BlueCross BlueShield FL)7$586$731
Florida Health Care Plans7$502$569
Molina Healthcare7$551$560
Oscar Health Maintenance Organization of Florida6$460$477
UnitedHealthcare4$638$651
Wellpoint4$559$567
AmeriHealth Caritas Next2$585$594
Capital Health Plan2$483$506
Cigna HealthCare of Florida, Inc.2$524$531
22 Health1$565$565
Other tiers in Florida

How Gold compares to the rest

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

All FloridaMarketplace plans →

Nearby on price

States with similar Gold premiums

Oklahoma
Avg $598
54 Gold plans
Delaware
Avg $605
14 Gold plans
Nebraska
Avg $688
50 Gold plans
Common questions

Florida Gold plans, answered

What are the copays on a Florida Gold 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 97 Gold plans in Florida, deductibles average $1,580 and the out-of-pocket maximum averages $7,685. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Florida?
Any Florida Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,580 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a Florida Gold plan?
The average across all 97 Gold plans in Florida is $1,580, with an average out-of-pocket maximum of $7,685. 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 Gold plans available in my Florida county?
Gold plans are sold in 67 Florida counties, from 15 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 Gold premiums in Florida start at $426 a month before any subsidy.

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