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Florida Health Insurance Marketplace in 2023

Key Points:

  • An estimated 3.2 million Floridians secured their health insurance coverage for 2023
  • 12 insurance companies to choose from
  • $0 deductible Silver plans are available in 12 FL counties

Changes in the cheapest Silver plans on the Florida health insurance marketplace:

  • Monthly premium has gone up statewide, by an average of 3%,
  • Annual deductible amount has gone down by an average of $834,
  • Maximum out-of-pocket amount has gone up on average by $1,157.

Does Florida Have a HealthCare Marketplace?

Yes, Florida has a health marketplace. However, it does not have a State-Based Health Insurance Marketplace (SBM). Rather, Floridians utilize the federally-operated marketplace (HealthCare.gov) to conduct enrollment for private insurance coverage that complies with the Affordable Care Act (ACA) requirements.

Who Is Eligible for Coverage Through the Florida Health Marketplace?

All residents of Florida are eligible for coverage on the federal health marketplace, as long as they are not incarcerated or already enrolled or eligible for Medicare or Medicaid.

How Many People Have Enrolled Through Florida’s Health Insurance Marketplace in 2023

During the open enrollment period of 1 November, 2022 - 15 January, 2023 - 3.2 million Florida residents signed up for private individual and family health insurance coverage for 2023 through the federal marketplace.

Which Health Insurance Companies Offer Coverage on the Florida Marketplace in 2023?

In 2023, 12 insurers offer health insurance plans to the residents of Florida through the health marketplace:


  • Starting from 2023, Bright Healthcare and Oscar Insurance Company no longer offer health marketplace insurance to Florida residents.
  • Enrollees for Oscar Insurance Company before December 12, 2022 will continue receiving coverage for the remainder of 2023.

Cheapest Silver Health Insurance Plans in Florida in 2023

The cheapest silver plans on the Florida health insurance marketplace (PDF) have changed between 2022 and 2023:

  • Nine of the twelve insurers participating on the marketplace can be found as the cheapest insurance option in one or more counties.
  • Aetna CVS offers the cheapest Silver plan statewide in Charlotte County (at $405.41 per month - full/unsubsidized price).
  • Considering the full price of the plans, without accounting for possible discounts due to the amount of income: 70 percent of the cheapest Silver health plans in Florida in 2023 cost in the range of $400-$499 per month; 21 percent - $500-$599; 6 percent - $600-$699, and 3 percent - $700-$730.
Comparison of Cheapest Silver Plans Offerings by Company in Florida

between 2022 and 2023

Insurance Company 2022 2023
Counties Counties
Aetna CVS 1 9
Ambetter from Sunshine Health 29 24
Bright Healthcare 1 -
Capital Health 6 6
Cigna 1 1
Florida Blue Cross Blue Shield 15 22
Health First 2 4
Oscar 7 -
UnitedHealthcare 5 1

Note: Comparison is made using the cheapest Silver plan for a 35-year-old individual.

How Did Individual Health Insurance Premiums Change in Florida in 2023

In 2023, the price of the cheapest Silver plans went up across Florida by an average of $15.98 per month (or $191.76 per year). Meanwhile, in some counties access to health insurance became cheaper. The biggest price drop was recorded in Madison County where the cheapest possible Silver plan is now 9.5% less expensive, compared with the year earlier. On the other hand, the biggest price increase was in Hamilton County, where the cheapest available silver plan is now 20.7% more expensive.

  • Aetna has significantly lowered the price of their lowest-premium plans in 2023, increasing their market share in new counties,
  • Ambetter cheapest silver plans have gone up in price on average by 6.13%,
  • Capital Health increased the average annual cost of the cheapest silver plan by 1.47%,
  • Cigna raised the cost of the cheapest plans by 3.25%,
  • Florida Blue Cross Blue Shield also lowered the cost of the cheapest offered silver plans, which allowed them to expand into new territories. The premium decreased by an average of 1.84%,
  • Health First raised the prices by over 9%, which did not stop them from being the cheapest possible option in 4 counties,
  • UnitedHealthcare increased the average price of the cheapest plan by nearly 16%, which resulted in the loss of market share in 4 of the 5 counties.
Comparison of Cheapest Silver Plans in Florida

between 2022 and 2023

Insurance Company 2022 2023
Average monthly price Average monthly price
Aetna CVS - $445.64
Ambetter from Sunshine Health $486.12 $515.93
Bright Healthcare $410.77 -
Capital Health $462.60 $469.38
Cigna $440.02 $454.33
Florida Blue Cross Blue Shield $503.50 $494.26
Health First $415.01 $452.57
Oscar $426.35 -
UnitedHealthcare $434.32 $502.70

2023 Subsidies for Health Insurance in Florida

Since Florida uses the federal health insurance exchange, state’s residents receive subsidies and tax credits based on their expected earnings during the year. Individuals earning between 100% and 400% of the Federal Poverty Level (which translates to $14,580 - $58,320 for an individual or $30,000 - $120,000 for a family of four), can get discounts on the cost of health insurance.

Speak with a Florida-licensed health insurance agent for more details and possible ways to save money on health insurance.

How Did Health Insurance Annual Deductible Change in Florida in 2023

In 2023, the annual health insurance deductible on the cheapest Silver plan was decreased in 55 Florida counties (82 percent of the state), by an average of $834 (from $6,147 in 2022 to $5,313 in 2023). The largest decrease of a deductible is seen in Miami-Dade County, where the cheapest plan deductible was lowered by $4,650 (from $8,650 to $4,000). This type of an adjustment makes healthcare more affordable.

  • The lowest deductible on the cheapest silver plan in Florida comes from the UnitedHealthcare UHC Silver plan, at $3,800.
  • In 22 counties the cheapest Silver plan comes with a deducible in the range of $4,000-$4,500.
  • In 43 counties the cheapest silver plan comes with a deductible of $5,100-$5,800.
  • Meanwhile, Monroe County remains the only Florida county that pairs the most affordable Silver health plan with the highest deductible in the state - $6,000.

For those looking for the Florida health insurance with the lowest possible annual deductible in 2023:

  • Cigna offers a $0 deductible plan in 12 Florida counties through Cigna Connect 0B

In the 55 counties that do not offer zero-deductible plans in 2023:

  • UnitedHealthcare’s Silver Advantage plan has the lowest deductible at $1,500 (in 13 counties),
  • AvMed Entrust Silver - at $3,000 in 11 counties,
  • Florida Blue: Silver 2237 at $4,100 in 19 counties; Silver 2010 at $5,000 in 2 counties, and Silver 2303S at $5,800 in 1 county,
  • Aetna CVS Silver 1 - at $4,425 in 2 counties,
  • Ambetter Clear Silver - at $5,400 in 6 counties,
  • Capital Health Plan - at $5,800 in 1 county.

Health Insurance Maximum Out of Pocket (MOOP) Change

The federally-set maximum out-of-pocket amount for ACA-compliant plans has increased from $8,700 (in 2022) to $9,100 in 2023. Some FL health plans offer lower options:

Comparing the lowest-priced Silver plans across all Florida counties, individual MOOP has gone up by an average of $1,157 (from $7,524 to $8,681). Looking at the extremes:

  • MOOP has gone down by as much as 9.2% in some parts of Florida. Florida Blue Cross Blue Shield in Monroe County lowered the MOOP from $8,700 to $7,900 - which helps the insured limit the overall maximum out-of-pocket exposure)
  • Ambetter raised their MOOP by as much as 46% across their cheapest Silver plans. Their CMS Standard Silver plan has a MOOP of $8,900, which is still less than the federal limit, but it is a stark departure from the 2022 lowest offering of $6,100.

The cheapest health insurance MOOP remained unchanged in only two Florida counties in 2023: Brevard County and Seminole County kept the 2022 limit of $8,700.

Health Insurance Outside of the Florida Marketplace

Dental insurance can be commonly purchased along with the marketplace health plan, but other types of supplementary policies or alternative health policies, such as Short-Term health insurance, Medicare, Vision, Critical Illness insurance, Disability Income insurance, or Hospital Indemnity cannot be purchased on the health care exchange in Florida, because they typically do not meet the minimum requirements of the Affordable Care Act.

To shop for short-term health and any other type of health-related policy, contact a health insurance agent licensed in the state of Florida.