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Florida · 2026 plan year

Silver health insurance plans in Florida (2026)

There are 161 Silver plans on the Florida Marketplace from 15 insurers, and they are not interchangeable — premiums run from $434 to $902 a month for the same metal tier. Here is what separates them.

161
Silver plans
15
Insurers
67
Counties covered
$434
Cheapest premium
$6,000
Median 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 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.

Florida Silver premiums rank 23rd cheapest of 35.

Averaged across all 161 plans, Silver coverage in Florida costs $568 a month before subsidies — 23rd lowest of the 35 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.

Cost

What a Silver plan costs in Florida in 2026

Across all 161 Silver plans in Florida, monthly premiums run from $434 to $902, averaging $568. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Florida enrollees, often to a fraction of the sticker price.

Deductibles

Silver plan deductibles in Florida

Silver deductibles in Florida run from $400 to $9,500, with a median of $6,000 across the 146 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $5,700 because the spread is not symmetric. The other 15 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Silver out-of-pocket maximums in Florida

Individual out-of-pocket maximums on Florida Silver plans run from $7,150 to $10,350, with a median of $8,900. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Silver plans in Florida

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Clarity SilverAmbetter Health$434$8,000$8,400
Silver Value 1815 ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings)Health First Commercial Plans, Inc.$447$4,700 medical + $400 Rx (separate)$8,000
Silver Value 1815 + Enhanced Diabetes Benefits ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings)Health First Commercial Plans, Inc.$449$4,700 medical + $400 Rx (separate)$8,000
Silver Standard 1829Health First Commercial Plans, Inc.$458$6,000$8,900
Standard SilverAmbetter Health$463$6,000$8,900

Showing 5 of 161. See all Florida Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Florida Blue HMO (a BlueCross BlueShield FL company)40$501$563$2,800–$9,500
AvMed25$540$595$3,500–$6,250
Ambetter Health17$434$570$5,000–$8,000
Oscar Health Maintenance Organization of Florida15$505$517$5,000–$6,500
Cigna Healthcare9$609$678$3,500–$6,000
Florida Blue (BlueCross BlueShield FL)8$521$658$4,000–$6,000
Florida Health Care Plans8$484$533$3,500–$6,000
Health First Commercial Plans, Inc.8$447$469$6,000
Molina Healthcare8$521$543$5,750–$7,000
UnitedHealthcare7$558$587$2,700–$6,000
Wellpoint4$511$516$1,850–$6,000
22 Health3$568$580$4,000–$6,000
AmeriHealth Caritas Next3$519$541$400–$6,100
Capital Health Plan3$469$494$5,800–$7,000
Cigna HealthCare of Florida, Inc.3$598$606$5,000–$7,000
Other tiers in Florida

How Silver compares to the rest

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

All FloridaMarketplace plans →

Nearby on price

States with similar Silver premiums

Kansas
Avg $558
19 Silver plans
Oklahoma
Avg $580
64 Silver plans
Montana
Avg $580
28 Silver plans
Common questions

Florida Silver plans, answered

What are the copays on Florida Silver plans?
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. What the tier does bound is the rest of the cost-sharing: across the 161 Silver plans in Florida, out-of-pocket maximums run $7,150 to $10,350, and deductibles on the 146 plans with one combined deductible run $400 to $9,500. The other 15 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Silver plan in Florida?
Anyone eligible to buy Marketplace coverage in Florida can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($568 a month on average) is higher than Gold in some states.
What is the deductible on Florida Silver plans?
Silver deductibles in Florida run from $400 to $9,500 across the 146 plans with one combined deductible, with a median of $6,000 — that median is the figure closest to a typical plan. The other 15 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $7,150 to $10,350. The spread inside a single 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 Silver plans available in my Florida county?
Silver 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 Marketplace plan in Florida?
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 Silver premiums in Florida start at $434 a month before any subsidy.

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