Florida ACA Health Insurance
67 counties, 16 issuers, 410 plans
Premium Range
Premiums in Florida range from $231/mo to $2,502/mo (age 27 base rate).
Reading the Florida Marketplace
The ACA marketplace in Florida lists 410 plans from 16 issuers spread across 67 counties. The statewide average premium is $728/mo for a 27-year-old, $888/mo at age 40, and $1,885/mo at age 60 — reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $231 at the low end to $2,502 at the high end, before subsidies.
Geography drives most of the within-state variation: Monroe posts the highest Silver average at $1,318/mo, while Holmes sits at $615/mo — a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $4,963, the amount most enrollees must pay before non-preventive coverage begins.
Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice — confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.
Top 5 most-expensive counties — Florida (Silver avg)
Source: CMS Healthcare.gov + state-based exchange rate filings (PY 2025) Florida ACA marketplace premiums by county and metal tier (Plan Year 2025 Rate Filing) · 2025 CMS publishes Healthcare.gov rate filings annually for the federal exchange; state-based exchanges publish on their own schedules. Premiums shown are pre-subsidy and reflect age-27 Silver averages.
Most Expensive Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Monroe | $1,318/mo | 33 | 1 |
| 2 | Hamilton | $1,189/mo | 52 | 2 |
| 3 | Hardee | $913/mo | 126 | 6 |
| 4 | Union | $894/mo | 72 | 4 |
| 5 | Lafayette | $864/mo | 58 | 3 |
Most Affordable Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Holmes | $615/mo | 58 | 3 |
| 2 | Sumter | $623/mo | 91 | 3 |
| 3 | Franklin | $624/mo | 66 | 4 |
| 4 | Hernando | $627/mo | 106 | 4 |
| 5 | Calhoun | $631/mo | 83 | 5 |
All Counties in Florida
| County | Silver Avg | Bronze Avg | Gold Avg | Plans | Issuers | YoY |
|---|---|---|---|---|---|---|
| Alachua | $700 | $599 | $805 | 101 | 5 | +41.7% |
| Baker | $717 | $594 | $796 | 124 | 5 | +42.1% |
| Bay | $639 | $520 | $742 | 106 | 4 | +40.4% |
| Bradford | $713 | $600 | $784 | 105 | 5 | +37.3% |
| Brevard | $639 | $571 | $682 | 152 | 8 | +41.2% |
| Broward | $681 | $563 | $759 | 197 | 13 | +47.6% |
| Calhoun | $631 | $494 | $715 | 83 | 5 | +42.9% |
| Charlotte | $658 | $511 | $726 | 110 | 4 | +43.7% |
| Citrus | $644 | $497 | $726 | 106 | 4 | +44.4% |
| Clay | $699 | $575 | $797 | 146 | 7 | +48.1% |
| Collier | $711 | $572 | $777 | 131 | 7 | +39.1% |
| Columbia | $779 | $627 | $910 | 105 | 4 | +44.3% |
| Desoto | $742 | $605 | $791 | 115 | 6 | +43.0% |
| Dixie | $766 | $628 | $907 | 72 | 3 | +43.3% |
| Duval | $677 | $614 | $780 | 142 | 7 | +48.0% |
| Escambia | $639 | $503 | $738 | 123 | 5 | +36.1% |
| Flagler | $755 | $638 | $829 | 122 | 6 | +44.1% |
| Franklin | $624 | $488 | $706 | 66 | 4 | +37.9% |
| Gadsden | $685 | $527 | $770 | 83 | 5 | +40.5% |
| Gilchrist | $766 | $631 | $905 | 72 | 3 | +44.3% |
| Glades | $821 | $598 | $887 | 50 | 3 | +25.2% |
| Gulf | $649 | $520 | $750 | 77 | 3 | +43.3% |
| Hamilton | $1,189 | $901 | $1,270 | 52 | 2 | +53.5% |
| Hardee | $913 | $738 | $981 | 126 | 6 | +39.8% |
| Hendry | $740 | $547 | $808 | 96 | 5 | +38.5% |
| Hernando | $627 | $488 | $719 | 106 | 4 | +44.6% |
| Highlands | $766 | $636 | $878 | 94 | 4 | +51.3% |
| Hillsborough | $661 | $580 | $742 | 173 | 9 | +46.2% |
| Holmes | $615 | $503 | $709 | 58 | 3 | +44.0% |
| Indian River | $645 | $586 | $694 | 121 | 7 | +45.3% |
| Jackson | $704 | $548 | $794 | 58 | 3 | +42.3% |
| Jefferson | $704 | $538 | $771 | 83 | 5 | +46.3% |
| Lafayette | $864 | $620 | $947 | 58 | 3 | +46.8% |
| Lake | $655 | $506 | $699 | 196 | 11 | +38.7% |
| Lee | $764 | $579 | $865 | 132 | 6 | +46.7% |
| Leon | $644 | $495 | $712 | 98 | 6 | +46.5% |
| Levy | $740 | $614 | $881 | 72 | 3 | +45.3% |
| Liberty | $638 | $486 | $721 | 83 | 5 | +36.6% |
| Madison | $646 | $496 | $722 | 83 | 5 | +42.6% |
| Manatee | $667 | $526 | $754 | 136 | 6 | +47.2% |
| Marion | $674 | $541 | $723 | 173 | 8 | +43.3% |
| Martin | $689 | $583 | $762 | 134 | 7 | +43.4% |
| Miami-Dade | $709 | $590 | $797 | 189 | 12 | +42.8% |
| Monroe | $1,318 | $906 | $1,464 | 33 | 1 | +62.2% |
| Nassau | $812 | $681 | $960 | 86 | 4 | +42.9% |
| Okaloosa | $688 | $553 | $791 | 106 | 4 | +40.8% |
| Okeechobee | $780 | $663 | $933 | 72 | 3 | +49.5% |
| Orange | $679 | $584 | $745 | 208 | 12 | +40.3% |
| Osceola | $708 | $629 | $784 | 192 | 11 | +46.1% |
| Palm Beach | $672 | $561 | $740 | 195 | 12 | +43.3% |
| Pasco | $661 | $583 | $740 | 173 | 9 | +44.3% |
| Pinellas | $656 | $607 | $747 | 149 | 7 | +44.3% |
| Polk | $685 | $570 | $754 | 159 | 7 | +43.3% |
| Putnam | $736 | $627 | $862 | 58 | 3 | +44.1% |
| Saint Johns | $669 | $547 | $751 | 143 | 6 | +38.3% |
| Saint Lucie | $737 | $610 | $807 | 115 | 7 | +47.2% |
| Santa Rosa | $728 | $547 | $827 | 123 | 5 | +45.5% |
| Sarasota | $672 | $528 | $751 | 119 | 5 | +47.1% |
| Seminole | $726 | $607 | $803 | 215 | 12 | +45.9% |
| Sumter | $623 | $481 | $707 | 91 | 3 | +47.2% |
| Suwannee | $771 | $625 | $899 | 86 | 4 | +42.0% |
| Taylor | $751 | $543 | $877 | 64 | 4 | +41.5% |
| Union | $894 | $685 | $1,006 | 72 | 4 | +42.7% |
| Volusia | $707 | $614 | $763 | 154 | 8 | +45.0% |
| Wakulla | $692 | $523 | $759 | 83 | 5 | +40.6% |
| Walton | $692 | $579 | $813 | 106 | 4 | +40.4% |
| Washington | $785 | $565 | $861 | 58 | 3 | +39.3% |
Health Insurance Guides
Related Health & Cost Data
ACA Health Insurance in Florida
The Affordable Care Act marketplace in Florida offers 410 health insurance plans from 16 issuers across 67 counties. Premiums vary significantly by geography: the most expensive county (Monroe) averages $1,318/mo for a Silver plan, while the most affordable (Holmes) averages $615/mo.
Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $4,963, though lower-deductible options are available at higher monthly premiums.
Frequently Asked Questions
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What is the average deductible for health plans in Florida? ▼
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.
Read our methodology — how this data is sourced, computed, and verified.
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